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Document and Entity Information - USD ($) $ in Millions	12 Months Ended
Document and Entity Information - USD ($) $ in Millions	Dec. 31, 2015	Feb. 08, 2016	Jun. 30, 2015
Document and Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2015
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2015
Entity Registrant Name	BankFinancial CORP
Entity Central Index Key	0001303942
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		20,200,000
Entity Well-known Seasoned Issuer	No
Entity Public Float			$ 208.1
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No

Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Assets
Cash and due from other financial institutions	$ 13,192	$ 9,693
Interest-bearing deposits in other financial institutions	46,185	49,888
Cash and cash equivalents	59,377	59,581
Securities, at fair value	114,753	121,174
Loans receivable, net of allowance for loan losses	1,232,257	1,172,356
Other Real Estate Owned At Carrying Value	7,011	6,358
Stock in Federal Home Loan Bank, at cost	6,257	6,257
Premises and equipment, net	32,726	34,286
Accrued interest receivable	4,226	3,926
Core deposit intangible	1,305	1,855
Bank owned life insurance	22,387	22,193
Deferred Tax Assets, Net	26,695	31,643
Other assets	5,449	5,781
Total assets	1,512,443	1,465,410
Deposits
Noninterest-bearing	254,830	134,129
Interest-bearing	958,089	1,077,584
Total deposits	1,212,919	1,211,713
Borrowings	64,318	12,921
Advance payments by borrowers taxes and insurance	11,528	11,489
Accrued interest payable and other liabilities	11,314	13,166
Total liabilities	1,300,079	1,249,289
Commitments and contingent liabilities
Stockholders' equity:
Preferred Stock, $0.01 par value, 25,000,000 shares authorized, none issued or outstanding	0	0
Common Stock, $0.01 par value, 100,000,000 shares authorized; 20,297,317 shares issued at December 31, 2015 and 21,101,966 shares issued at December 31, 2014	203	211
Additional paid-in capital	184,797	193,845
Retained earnings	36,114	31,584
Unearned Employee Stock Ownership Plan shares	(9,297)	(10,276)
Accumulated other comprehensive income	547	757
Total stockholders' equity	212,364	216,121
Total liabilities and stockholders' equity	$ 1,512,443	$ 1,465,410

Consolidated Statements of Financial Condition (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Statement of Financial Position [Abstract]
Allowance for loan losses	$ 9,691	$ 11,990
Preferred Stock, par value (usd per share)	$ 0.01	$ 0.01
Preferred Stock, shares authorized	25,000,000	25,000,000
Preferred Stock, shares issued	0	0
Preferred Stock, shares outstanding	0	0
Common Stock, par value (usd per share)	$ 0.01	$ 0.01
Common Stock, shares authorized	100,000,000	100,000,000
Common Stock, shares issued	20,297,317	21,101,966

Consolidated Statements of Operations - USD ($)	12 Months Ended
Consolidated Statements of Operations - USD ($)	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Interest and dividend income
Loans, including fees	$ 47,488,000	$ 47,802,000	$ 47,691,000
Securities	1,141,000	1,154,000	981,000
Other	333,000	393,000	720,000
Total interest income	48,962,000	49,349,000	49,392,000
Interest expense
Deposits	2,794,000	3,038,000	3,639,000
Borrowings	20,000	8,000	14,000
Total interest expense	2,814,000	3,046,000	3,653,000
Net interest income	46,148,000	46,303,000	45,739,000
Provision for (recovery of) loan losses	(3,206,000)	(736,000)	(687,000)
Net interest income	49,354,000	47,039,000	46,426,000
Noninterest income
Deposit service charges and fees	2,248,000	1,977,000	2,005,000
Other fee income	2,143,000	2,238,000	2,250,000
Insurance commissions and annuities income	386,000	431,000	474,000
Gain on sale of loans, net	102,000	158,000	1,469,000
Gain (Loss) on Sale of Securities, Net	0	(7,000)
Loss on disposition of premises and equipment, net	(1,000)	5,000	(43,000)
Loan servicing fees	354,000	418,000	461,000
Amortization and impairment of servicing assets	(140,000)	(143,000)	(168,000)
Earnings on bank owned life insurance	194,000	235,000	313,000
Trust	712,000	683,000	711,000
Other	693,000	714,000	662,000
Total noninterest income	6,691,000	6,709,000	8,134,000
Noninterest expense
Compensation and benefits	22,222,000	22,874,000	26,195,000
Office occupancy and equipment	6,522,000	6,878,000	7,547,000
Advertising and public relations	991,000	1,107,000	925,000
Information technology	2,669,000	2,676,000	3,091,000
Supplies, telephone, and postage	1,586,000	1,579,000	1,697,000
Amortization of intangibles	550,000	578,000	605,000
Nonperforming asset management	681,000	838,000	2,638,000
Operations of other real estate owned	1,063,000	1,408,000	1,613,000
FDIC insurance premiums	904,000	1,416,000	1,913,000
Other	4,757,000	5,097,000	5,038,000
Total noninterest expense	41,945,000	44,451,000	51,262,000
Income (loss) before income taxes	14,100,000	9,297,000	3,298,000
Income tax expense (benefit)	5,425,000	(31,317,000)	0
Net income (loss)	$ 8,675,000	$ 40,614,000	$ 3,298,000
Basic earnings (loss) per common share (usd per share)	$ 0.44	$ 2.01	$ 0.16
Diluted earnings (loss) per common share (usd per share)	$ 0.44	$ 2.01	$ 0.16
Weighted average common shares outstanding (shares)	19,918,003	20,177,271	20,020,838
Diluted weighted average common shares outstanding (shares)	19,921,519	20,186,376	20,025,321

Consolidated Statements Comprehensive Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Statement of Comprehensive Income [Abstract]
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax	$ 0	$ 7	$ 0
Net income (loss)	8,675	40,614	3,298
Unrealized holding gain (loss) arising during the period	(339)	118	(699)
Tax effect	129	213	0
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, before Tax	210	(331)	699
Other comprehensive income (loss)	(210)	338	(699)
Comprehensive income (loss)	$ 8,465	$ 40,952	$ 2,599

Consolidated Statements of Changes In Stockholders' Equity - USD ($) $ in Thousands	Total	Common Stock	Additional Paid-in Capital	Retained Earnings	Unearned Employee Stock Ownership Plan Shares	Accumulated Other Comprehensive Income (Loss)
Beginning Balance at Dec. 31, 2012	$ 172,890	$ 211	$ 193,590	$ (9,796)	$ (12,233)	$ 1,118
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)	3,298	0	0	3,298	0	0
Other comprehensive loss, net of tax effect	(699)	0	0	0	0	(699)
Nonvested stock awards-stock-based compensation expense	86	0	86	0	0	0
Cash dividends declared on common stock	(844)	0	0	(844)	0	0
ESOP shares earned	(896)	0	(82)	0	(978)	0
Ending Balance at Dec. 31, 2013	175,627	211	193,594	(7,342)	(11,255)	419
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)	40,614	0	0	40,614	0	0
Other comprehensive loss, net of tax effect	338	0	0	0	0	338
Nonvested stock awards-stock-based compensation expense	70	0	70	0	0	0
Cash dividends declared on common stock	(1,688)	0	0	(1,688)	0	0
ESOP shares earned	(1,160)	0	(181)	0	(979)	0
Ending Balance at Dec. 31, 2014	216,121	211	193,845	31,584	(10,276)	757
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)	8,675	0	0	8,675	0	0
Other comprehensive loss, net of tax effect	(210)	0	0	0	0	(210)
Stock Repurchased During Period, Value	(9,970)	(8)	(9,962)
Nonvested stock awards-stock-based compensation expense	657	0	657	0	0	0
Cash dividends declared on common stock	(4,145)	0	0	(4,145)	0	0
ESOP shares earned	(1,236)	0	(257)	0	(979)	0
Ending Balance at Dec. 31, 2015	$ 212,364	$ 203	$ 184,797	$ 36,114	$ (9,297)	$ 547

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Purchase and retirement of common stock (shares)	805	0	0
Cash dividends declared on common stock (usd per share)	$ 0.2	$ 0.08	$ 0.04

Consolidated Statements of Cash Flow - USD ($)	12 Months Ended
Consolidated Statements of Cash Flow - USD ($)	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Cash flows from operating activities
Net income (loss)	$ 8,675,000	$ 40,614,000	$ 3,298,000
Adjustments to reconcile to net loss to net cash from operating activities
Provision for (recovery of) loan losses	(3,206,000)	(736,000)	(687,000)
ESOP shares earned	1,236,000	1,160,000	896,000
Stock-based compensation expense	657,000	70,000	86,000
Depreciation and amortization	3,682,000	3,811,000	4,453,000
Other Comprehensive Income (Loss), Tax, Portion Attributable to Parent	129,000	213,000	0
Amortization of premiums and discounts on securities and loans	(312,000)	(438,000)	(736,000)
Amortization Of Intangibles	550,000	578,000	605,000
Amortization and impairment of servicing assets	140,000	143,000	168,000
Net change in net deferred loan origination costs	(422,000)	(229,000)	(225,000)
Net loss on sale of other real estate owned	(59,000)	35,000	148,000
Net gain on sale of loans	(102,000)	(158,000)	(1,469,000)
Gain (Loss) on Sale of Securities, Net	0	7,000
Net loss disposition of premises and equipment	1,000	(5,000)	43,000
Loans originated for sale	(3,838,000)	(5,323,000)	(10,771,000)
Proceeds from sale of loans	3,940,000	5,481,000	11,670,000
Other real estate owned valuation adjustments	548,000	438,000	550,000
Net change in:
Deferred income tax	5,079,000	(31,643,000)	0
Accrued interest receivable	(300,000)	7,000	213,000
Earnings on bank owned life insurance	(194,000)	(235,000)	(313,000)
Other assets	659,000	2,874,000	(243,000)
Accrued interest payable and other liabilities	(1,852,000)	1,394,000	2,093,000
Net Cash Provided by (Used in) Operating Activities	14,882,000	17,845,000	9,779,000
Securities
Proceeds from maturities	59,804,000	52,103,000	26,813,000
Proceeds from principal repayments	6,984,000	7,179,000	13,492,000
Proceeds from sales of securities	0	3,663,000	0
Purchases of securities	(60,744,000)	(73,142,000)	(74,220,000)
Increase (Decrease) in Participation Liabilities	3,350,000
Loans receivable
Principal payments on loans receivable	441,820,000	432,571,000	453,153,000
Originated for investment	(509,018,000)	(513,384,000)	(524,592,000)
Proceeds from sale of loans	0	0	2,868,000
Proceeds of redemption of Federal Home Loan Bank of Chicago stock	0	0	2,344,000
Payments to Acquire Federal Home Loan Bank Stock	0	(189,000)
Proceeds from sale of other real estate owned	4,733,000	4,914,000	8,838,000
Purchases of premises and equipment, net	(542,000)	(1,176,000)	(10,000)
Net cash from (used in) investing activities	(53,613,000)	(87,461,000)	(91,314,000)
Cash flows from financing activities
Net change in deposits	1,206,000	(40,995,000)	(29,643,000)
Net change in borrowings	51,397,000	9,866,000	(2,512,000)
Net change in advance payments by borrowers for taxes and insurance	39,000	1,057,000	(273,000)
Cash dividends paid on common stock	(4,145,000)	(1,688,000)	(844,000)
Net cash used in financing activities	38,527,000	(31,760,000)	(33,272,000)
Net change in cash and cash equivalents	(204,000)	(101,376,000)	(114,807,000)
Beginning cash and cash equivalents	59,581,000	160,957,000	275,764,000
Ending cash and cash equivalents	59,377,000	59,581,000	160,957,000
Supplemental disclosures of cash flow information:
Interest paid	2,844,000	3,070,000	3,697,000
Income taxes paid	363,000	114,000	0
Income taxes refunded	7,000	0	461,000
Loans transferred to other real estate owned	$ 5,875,000	$ 5,449,000	$ 5,512,000

Summary of Significant Accounting Policies (Notes)

12 Months Ended

Dec. 31, 2015

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Summary of Significant Accounting Policies

Basis of Presentation: BankFinancial Corporation, a Maryland corporation headquartered in Burr Ridge, Illinois (the “Company”), is the owner of all of the issued and outstanding capital stock of BankFinancial, F.S.B. (the “Bank”).

Principles of Consolidation: The consolidated financial statements include the accounts of and transactions of BankFinancial Corporation, the Bank, and the Bank’s wholly-owned subsidiaries, Financial Assurance Services, Inc. and BF Asset Recovery Corporation (collectively, “the Company”). All significant intercompany accounts and transactions have been eliminated.

Nature of Business: The Company’s revenues, operating income, and assets are primarily from the banking industry. Loan origination customers are mainly located in the greater Chicago metropolitan area. To supplement loan originations, the Company purchases mortgage loans. The loan portfolio is concentrated in loans that are primarily secured by real estate.

Use of Estimates: To prepare financial statements in conformity with accounting principles generally accepted in the United States of America (“GAAP”), management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and actual results could differ.

Interest-bearing Deposits in Other Financial Institutions: Interest-bearing deposits in other financial institutions maturing in less than 90 days are carried at cost.

Cash Flows: Cash and cash equivalents include cash, deposits with other financial institutions maturing in less than 90 days, and daily federal funds sold. Net cash flows are reported for customer loan and deposit transactions, interest bearing deposits in other financial institutions, borrowings, and advance payments by borrowers for taxes and insurance.

Securities: Debt securities are classified as available-for-sale when they might be sold before maturity. Equity securities with readily determinable fair values are classified as available-for-sale. Securities available-for-sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income (loss), net of tax. Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level-yield method without anticipating prepayments, except for mortgage-backed securities where prepayments are anticipated. Gains and losses on sales are based on the amortized cost of the security sold. Declines in the fair value of securities below their cost that are other-than-temporary are reflected as realized losses. In determining if losses are other-than-temporary, management considers: (1) the length of time and extent that fair value has been less than cost or adjusted cost, as applicable, (2) the financial condition and near term prospects of the issuer, and (3) whether the Company has the intent to sell the debt security or it is more likely than not that the Company will be required to sell the debt security before the anticipated recovery.

Securities also include investments in certificates of deposit with maturities of greater than 90 days. These certificates of deposit are placed with insured institutions for varying maturities and amounts that are fully insured by the Federal Deposit Insurance Corporation (“FDIC”).

Federal Home Loan Bank Stock: The Bank is a member of the Federal Home Loan Bank system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. Federal Home Loan Bank of Chicago (“FHLBC”) stock is carried at cost and classified as a restricted security. Accounting guidance for FHLBC stock provides that, for impairment testing purposes, the value of long term investments such as our FHLBC common stock is based on the “ultimate recoverability” of the par value of the security without regard to temporary declines in value. Both cash and stock dividends are reported as income.

Loans Held–for–Sale: Mortgage loans originated and intended for sale in the secondary market are carried at the lower of aggregate cost or estimated fair market value, as determined by outstanding commitments from investors. Net unrealized losses, if any, are recorded as a valuation allowance and charged to earnings. Mortgage loans held–for–sale are generally sold with servicing rights retained. The carrying value of mortgage loans sold is reduced by the fair value of the servicing right. Gains and losses on sales of mortgage loans are based on the difference between the selling price and the carrying value of the related loan sold.

Held for investment loans that have been transferred to held-for-sale are carried at the lower of cost or fair value. For held-for-sale loans, any decreases in value below cost after transfer are recognized in mortgage banking revenue in the Consolidated Statements of Operations and increases in fair value above cost are not recognized until the loans are sold. The credit component of any write down upon transfer to held-for-sale is reflected in charge-offs to the allowance for loan losses.

Fair market value is determined based on quoted market rates and our judgment of relevant market conditions. Gains and losses on the disposition of loans held-for-sale are determined on the specific identification method. Transferred mortgage loans sold in the secondary market are sold without retaining servicing rights.

Loans and Loan Income: Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of the allowance for loan losses, premiums and discounts on loans purchased, and net deferred loan costs. Interest income on loans is recognized in income over the term of the loan based on the amount of principal outstanding.

Premiums and discounts associated with loans purchased are amortized over the contractual term of the loan using the level–yield method. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level‑yield method without anticipating prepayments.

Interest income is reported on the interest method. Interest income is discontinued at the time a loan is 90 days past due or when we do not expect to receive full payment of interest or principal. Past due status is based on the contractual terms of the loan.

All interest accrued but not received for loans that have been placed on nonaccrual status is reversed against interest income. Interest received on such loans is accounted for on the cash–basis or cost–recovery method until qualifying for return to accrual status. Once a loan is placed on non-accrual status, the borrower must generally demonstrate at least six months of payment performance before the loan is eligible to return to accrual status. Generally, the Company utilizes the “90 days delinquent, still accruing” category of loan classification when: (1) the loan is repaid in full shortly after the period end date; (2) the loan is well secured and there are no asserted or pending legal barriers to its collection; or (3) the borrower has remitted all scheduled payments and is otherwise in substantial compliance with the terms of the loan, but the processing of payments actually received or the renewal of a loan has not occurred for administrative reasons.

Impaired Loans: Impaired loans consist of nonaccrual loans and troubled debt restructurings (“TDRs”). A loan is considered impaired when, based on current information and events, management believes that it is probable that we will be unable to collect all amounts due (both principal and interest) according to the original contractual terms of the loan agreement. Once a loan is determined to be impaired, the amount of impairment is measured based on the loan's observable fair value, the fair value of the underlying collateral less selling costs if the loan is collateral-dependent, or the present value of expected future cash flows discounted at the loan's effective interest rate. If the measurement of the impaired loan is less than the recorded investment in the loan, the bank's allowance for the impaired collateral dependent loan under ASC 310-10-35 is based on fair value (less costs to sell), but the charge-off (the confirmed “loss”) is based on the higher appraised value. The remaining recorded investment in the loan after the charge-off will have a loan loss allowance for the amount by which the estimated fair value of the collateral (less costs to sell) is less than its appraised value.

Impaired loans with specific reserves are reviewed quarterly for any changes that would affect the specific reserve. Any impaired loan for which a determination has been made that the economic value is permanently reduced is charged-off against the allowance for loan losses to reflect its current economic value in the period in which the determination has been made.

At the time a collateral-dependent loan is initially determined to be impaired, we review the existing collateral appraisal. If the most recent appraisal is greater than a year old, a new appraisal is obtained on the underlying collateral. Appraisals are updated with a new independent appraisal at least annually and are formally reviewed by our internal appraisal department upon receipt of a new appraisal. All impaired loans and their related reserves are reviewed and updated each quarter. With an immaterial number of exceptions, all appraisals and internal reviews are current under this methodology at December 31, 2015.

Purchased Impaired Loans: Purchased impaired loans are recorded at their estimated fair values on the respective purchase dates and are accounted for prospectively based on expected cash flows. No allowance for credit losses is recorded on these loans at the acquisition date. In determining the acquisition date fair value of purchased impaired loans, and in subsequent accounting, the Company reviews these loans on an individual basis. Expected future cash flows in excess of the fair value of loans at the purchase date (''accretable yield'') are recorded as interest income over the life of the loans if the timing and amount of the future cash flows can be reasonably estimated. The non-accretable yield represents estimated losses in the portfolio and is equal to the difference between contractually required payments and the cash flows expected to be collected at acquisition.

Subsequent to the purchase date, increases in cash flows over those expected at the purchase date are recognized as interest income prospectively. The present value of any decreases in expected cash flows after the purchase date is recognized by recording a charge-off through the allowance for loan losses.

Troubled Debt Restructurings: A loan is classified as a troubled debt restructuring when a borrower is experiencing financial difficulties that leads to a restructuring of the loan, and the Company grants concessions to the borrower in the restructuring that it would not otherwise consider. These concessions may include rate reductions, principal forgiveness, extension of maturity date and other actions intended to minimize potential losses.

In determining whether a debtor is experiencing financial difficulties, the Company considers if the debtor is in payment default or would be in payment default in the foreseeable future without the modification, the debtor declared or is in the process of declaring bankruptcy, there is substantial doubt that the debtor will continue as a going concern, the debtor has securities that have been or are in the process of being delisted, the debtor's entity-specific projected cash flows will not be sufficient to service any of its debt, or the debtor cannot obtain funds from sources other than the existing creditors at a market rate for debt with similar risk characteristics.

In determining whether the Company has granted a concession, the Company assesses, if it does not expect to collect all amounts due, whether the current value of the collateral will satisfy the amounts owed, whether additional collateral or guarantees from the debtor will serve as adequate compensation for other terms of the restructuring, and whether the debtor otherwise has access to funds at a market rate for debt with similar risk characteristics.

A loan that is modified at a market rate of interest will not be classified as troubled debt restructuring in the calendar year subsequent to the restructuring if it is in compliance with the modified terms. Payment performance prior and subsequent to the restructuring is taken into account in assessing whether it is likely that the borrower can meet the new terms. This may result in the loan being returned to accrual at the time of restructuring. A period of sustained repayment for at least six months generally is required for return to accrual status.

Periodically, the Company will restructure a note into two separate notes (A/B structure), charging off the entire B portion of the note. The A note is structured with appropriate loan-to-value and cash flow coverage ratios that provide for a high likelihood of repayment. The A note is classified as a non-performing note until the borrower has displayed a historical payment performance for a reasonable time prior to and subsequent to the restructuring. A period of sustained repayment for at least six months generally is required to return the note to accrual status provided that management has determined that the performance is reasonably expected to continue. The A note will be classified as a restructured note (either performing or nonperforming) through the calendar year of the restructuring that the historical payment performance has been established.

Allowance for Loan Losses: The Company establishes provisions for loan losses, which are charged to the Company’s results of operations to maintain the allowance for loan losses to absorb probable incurred credit losses in the loan portfolio. In determining the level of the allowance for loan losses, the Company considers past and current loss experience, trends in classified loans, evaluations of real estate collateral, current economic conditions, volume and type of lending, adverse situations that may affect a borrower’s ability to repay a loan and the levels of nonperforming and other classified loans. The amount of the allowance is based on estimates and the ultimate losses may vary from the estimates as more information becomes available or events change.

The Company provides for loan losses based on the allowance method. Accordingly, all loan losses are charged to the related allowance and all recoveries are credited to it. Additions to the allowance for loan losses are provided by charges to income based on various factors that, in our judgment, deserve current recognition in estimating probable incurred credit losses. The Company reviews the loan portfolio on an ongoing basis and makes provisions for loan losses on a quarterly basis to maintain the allowance for loan losses in accordance with GAAP. The allowance for loan losses consists of two components:


•	specific allowances established for any impaired residential non-owner occupied mortgage, multi-family mortgage, nonresidential real estate, construction and land, commercial, and commercial lease loans for which the recorded investment in the loan exceeds the measured value of the loan; and

•

general allowances for loan losses for each loan class based on historical loan loss experience; and adjustments to historical loss experience (general allowances), maintained to cover uncertainties that affect our estimate of probable incurred credit losses for each loan class. If the remaining unamortized discount related to a specific pool of purchased performing loans exceeds the estimated credit losses associated with these loans, no general valuation allowance is recorded against the loans.

The adjustments to historical loss experience are based on our evaluation of several factors, including levels of, and trends in, past due and classified loans; levels of, and trends in, charge–offs and recoveries; trends in volume and terms of loans, including any credit concentrations in the loan portfolio; experience and ability of lending management and other relevant staff; and national and local economic trends and conditions.

The Company evaluates the allowance for loan losses based upon the combined total of the specific and general components. Generally, when the loan portfolio increases, absent other factors, the allowance for loan loss methodology results in a higher dollar amount of estimated probable incurred credit losses than would be the case without the increase. Conversely, when the loan portfolio decreases, absent other factors, the allowance for loan loss methodology generally results in a lower dollar amount of estimated probable losses than would be the case without the decrease.

The loss ratio used in computing the required general loan loss reserve allowance for a given class of loan consists of (i) the actual loss ratio (measured on a weighted, rolling twelve-quarter basis), (ii) the change in credit quality within the specific loan class during the period, (iii) the actual inherent risk factor assigned to the specific loan class and (iv) the actual concentration of risk factor assigned to the specific loan class (collectively, “the Specific Loan Class Risk Factors”). The Specific Loan Class Risk Factors are weighted equally in the calculation. In addition, two additional quantitative factors, the National Economic risk factor and the Local Economic risk factor, are also components of the computation but are given different weightings in their computation due to their relative applicability to the specific loan class in the context of the effect of national and local economic conditions on their risk profile and performance.

Mortgage Servicing Rights: Mortgage servicing rights are recognized separately when they are acquired through sales of loans. When mortgage loans are sold, servicing rights are initially recorded at fair value and gains on sales of loans are recorded in the statement of operations. Fair value is based on market prices for comparable mortgage servicing contracts, when available, or alternatively, is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the servicing cost per loan, the discount rate, the escrow float rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. The Company compares the valuation model inputs and results to published industry data in order to validate the model results and assumptions. All classes of servicing assets are subsequently measured using the amortization method which requires servicing rights to be amortized into noninterest income in proportion to, and over the period of, the estimated future net servicing income of the underlying loans.

Servicing assets are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. Impairment is determined by stratifying rights into groupings based on predominant risk characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual grouping, to the extent that fair value is less than the carrying amount. If the Company later determines that all or a portion of the impairment no longer exists for a particular grouping, a reduction of the allowance may be recorded as an increase to income. Changes in valuation allowances are reported with amortization and impairment of servicing assets on the statement of operations. The fair values of servicing rights are subject to significant fluctuations as a result of changes in estimated and actual prepayment speeds and default rates and losses.

Servicing fee income that is reported on the statement of operations as loan servicing fees is recorded for fees earned for servicing loans. The fees are based on a contractual percentage of the outstanding principal; or a fixed amount per loan and are recorded as income when earned. Late fees and ancillary fees related to loan servicing are not material.

Other Real Estate Owned: Foreclosed assets are initially recorded at fair value less cost to sell when acquired, establishing a new cost basis. Physical possession of residential real estate property collateralizing a consumer mortgage loan occurs when the legal title is obtained upon completion of foreclosure or when the borrower conveys all interest in the property to satisfy the loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. These assets are subsequently accounted for at a lower of cost or fair value less estimated cost to sell. If fair value declines subsequent to foreclosure, a valuation allowance is recorded through expense. Operating expenses, gains and losses on disposition, and changes in the valuation allowance are reported in noninterest expense as operations of other real estate owned ("OREO").

Premises and Equipment: Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Depreciation is included in noninterest expense and is computed on the straight-line method over the estimated useful lives of the assets. Useful lives are estimated to be 25 to 40 years for buildings and improvements that extend the life of the original building, ten to 20 years for routine building improvements, five to 15 years for furniture and equipment, two to five years for computer hardware and software and no greater than four years on automobiles. The cost of maintenance and repairs is charged to expense as incurred and significant repairs are capitalized.

Other Intangible Assets: Intangible assets acquired in a purchase business combination with definite useful lives are amortized over their estimated useful lives to their estimated residual values. Core deposit intangible assets (“CDI”), are recognized at the time of acquisition based on valuations prepared by independent third parties or other estimates of fair value. In preparing such valuations, variables such as deposit servicing costs, attrition rates, and market discount rates are considered. CDI assets are amortized to expense over their useful lives.

Bank Owned Life Insurance: The Company has purchased life insurance policies on certain key executives. The Company owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.

Long-Term Assets: Premises and equipment, core deposit and other intangible assets, and other long-term assets are reviewed for impairment when events indicate that their carrying amount may not be recoverable from future undiscounted cash flows. If impaired, the assets are recorded at fair value.

Loan Commitments and Related Financial Instruments: Financial instruments include off-balance-sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded.

Income Taxes: Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Under GAAP, a deferred tax asset valuation allowance is required to be recognized if it is “more likely than not” that the deferred tax asset will not be realized. The determination of the realizability of the deferred tax assets is highly subjective and dependent upon judgment concerning management’s evaluation of both positive and negative evidence, the forecasts of future taxable income, applicable tax planning strategies, and assessments of current and future economic and business conditions. The Company considers both positive and negative evidence regarding the ultimate realizability of our deferred tax assets. Examples of positive evidence may include the existence, if any, of taxes paid in available carry-back years and the likelihood that taxable income will be generated in future periods. Examples of negative evidence may include a cumulative loss in the current year and prior two years and negative general business and economic trends. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period of the enactment date.

This analysis is updated quarterly and adjusted as necessary. At December 31, 2015, the Company had a net deferred tax asset of $26.7 million, after recording a full recovery of the valuation allowance in 2014.

A tax position is recognized as a benefit only if it "more likely than not" that the tax position would be sustained in a tax examination, presuming that a tax examination will occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely to be realized on examination. For tax positions not meeting the more likely than not" test, no tax benefit is recorded.

Retirement Plans: Employee 401(k) and profit sharing plan expense is the amount of matching contributions and any annual discretionary contribution made at the discretion of the Company’s Board of Directors. Deferred compensation expense allocates the benefits over years of service.

Employee Stock Ownership Plan (“ESOP”): The cost of shares issued to the ESOP, but not yet allocated to participants, is shown as a reduction of stockholders’ equity. Compensation expense is based on the market price of shares as they are committed to be released to participant accounts. Dividends on allocated ESOP shares reduce retained earnings; dividends on unearned ESOP shares reduce debt and accrued interest.

Earnings (Loss) Per Common Share: Basic earnings (loss) per common share is net income (loss) divided by the weighted average number of common shares outstanding during the period. ESOP shares are considered outstanding for this calculation unless unearned. Diluted earnings (loss) per common share is net income (loss) divided by the weighted average number of common shares outstanding during the period plus the dilutive effect of restricted stock shares and the additional potential shares issuable under stock options.

Loss Contingencies: Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. Management does not believe that there are such matters that will have a material effect on the financial statements as of December 31, 2015.

Restrictions on Cash: Cash on hand or on deposit with the Federal Reserve Bank which is required to meet regulatory reserve and clearing requirements.

Fair Values of Financial Instruments: Fair values of financial instruments are estimated using relevant market value information and other assumptions, as more fully disclosed in a separate note. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates.

Comprehensive Income (Loss): Comprehensive income (loss) consists of net income (loss) and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized gains and losses on securities, net of tax, which are also recognized as separate components of stockholders’ equity.

Stock-based Compensation: Compensation cost is recognized for stock options and restricted stock awards issued to employees, based on the fair value of these awards at the date of grant. The Black-Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company’s common stock at the date of grant is used for restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period.

Transfers of Financial Assets: Transfers of financial assets are accounted for as sales when control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Company, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.

Operating Segments: While management monitors the revenue streams of the various products and services, operations are managed and financial performance is evaluated on a Company-wide basis. Operating results are not reviewed by senior management to make resource allocation or performance decisions. Accordingly, all of the financial service operations are considered by management to be aggregated in one reportable operating segment.

Reclassifications: Certain reclassifications have been made in the prior year’s financial statements to conform to the current year’s presentation.

Recent Accounting Pronouncements

In January 2014, the FASB amended existing guidance to clarify when a creditor should derecognize a loan receivable and recognized collateral asset. An in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendment requires interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. This amendment is effective for interim and annual reporting periods beginning after December 15, 2014. The adoption of this standard did not have a material impact on the Company’s results of operation or financial position but did require expansion of the Company’s disclosures.

In May 2014, the FASB issued an update (ASU No. 2014-09, Revenue from Contracts with Customers) creating FASB Topic 606, Revenue from Contracts with Customers. The guidance in this update affects any entity that either enters into contracts with customers to transfer goods or services or enters into contracts for the transfer of nonfinancial assets unless those contracts are within the scope of other standards (for example, insurance contracts or lease contracts). The core principle of the guidance is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. The guidance provides steps to follow to achieve the core principle. An entity should disclose sufficient information to enable users of financial statements to understand the nature, amount, timing and uncertainty of revenue and cash flows arising from contracts with customers. Qualitative and quantitative information is required about contracts with customers, significant judgments and changes in judgments, and assets recognized from the costs to obtain or fulfill a contract. The amendments in this update originally were to become effective for annual periods and interim periods within those annual periods beginning after December 15, 2016. During 2015, FASB delayed the effectiveness by one year to annual periods and interim periods beginning after December 15, 2017. We are currently evaluating the impact of adopting the new guidance on the consolidated financial statements.

On January 5, 2016, the FASB issued an update (ASU No. 2016-01, Financial Instruments - Recognition and Measurement of Financial Assets and Liabilities). The new guidance is intended to improve the recognition and measurement of financial instruments by requiring: equity investments (other than equity method or consolidation) to be measured at fair value with changes in fair value recognized in net income; public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; separate presentation of financial assets and financial liabilities by measurement category and form of financial assets (i.e. securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements; eliminating the requirement to disclose the fair value of financial instruments measured at amortized cost for organizations that are not public business entities; eliminating the requirement for non-public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is to be required to be disclosed for financial instruments measured at amortized cost on the balance sheet; and requiring a reporting organization to present separately in other comprehensive income the portion of the total change in fair value of a liability resulting from the change in the instrument-specific credit risk (also referred to as “own credit”) when the organization has elected to measure the liability at fair value in accordance with the fair value option for financial instruments. The new guidance is effective for public business entities for fiscal years beginning after December 15, 2017. We are currently evaluating the impact of adopting the new guidance on the consolidated financial statements.

Earnings (Loss) Per Share (Notes)

12 Months Ended

Dec. 31, 2015

Earnings Per Share [Abstract]

Loss per Share

Amounts reported in earnings per share reflect net income available to common stockholders for the period divided by the weighted average number of shares of common stock outstanding during the period, exclusive of unearned ESOP shares and unvested restricted stock shares. Stock options and restricted stock are regarded as potential common stock and are considered in the diluted earnings per share calculations to the extent that they would have a dilutive effect if converted to common stock.



	For the years ended December 31,
	2015			2014			2013
Net income available to common stockholders	$	8,675		$	40,614		$	3,298
Average common shares outstanding	20,708,775			21,101,966			21,091,399
Less:
Unearned ESOP shares	(780,227		)	(905,235		)	(1,054,140		)
Unvested restricted stock shares	(10,545		)	(19,460		)	(16,421		)
Weighted average common shares outstanding	19,918,003			20,177,271			20,020,838
Add - Net effect of dilutive stock options and unvested restricted stock	3,516			9,105			4,483
Weighted average dilutive common shares outstanding	19,921,519			20,186,376			20,025,321
Basic earnings per common share	$	0.44		$	2.01		$	0.16
Diluted earnings per common share	$	0.44		$	2.01		$	0.16
Number of antidilutive stock options excluded from the diluted earnings per share calculation	536,459			—			—
Weighted average exercise price of anti-dilutive option shares	$	12.99		$	—		$	—

Securities (Notes)

12 Months Ended

Dec. 31, 2015

Investments, Debt and Equity Securities [Abstract]

SECURITIES

The fair value of securities and the related gross unrealized gains and losses recognized in accumulated other comprehensive income is as follows:



	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Fair Value
December 31, 2015
Certificates of deposit	$	87,901	$	—	$	—		$	87,901
Equity mutual fund	500		7		—			507
Mortgage-backed securities - residential	18,330		880		(30		)	19,180
Collateralized mortgage obligations - residential	7,111		41		(10		)	7,142
SBA-guaranteed loan participation certificates	23		—		—			23
	$	113,865	$	928	$	(40	)	$	114,753
December 31, 2014
Certificates of deposit	$	86,049	$	—	$	—		$	86,049
Equity mutual fund	500		9		—			509
Mortgage-backed securities - residential	23,433		1,218		(40		)	24,611
Collateralized mortgage obligations - residential	9,936		53		(13		)	9,976
SBA-guaranteed loan participation certificates	29		—		—			29
	$	119,947	$	1,280	$	(53	)	$	121,174

Mortgage-backed securities and collateralized mortgage obligations reflected in the preceding table were issued by U.S. government-sponsored entities and agencies, Freddie Mac, Fannie Mae and Ginnie Mae, and are obligations which the government has affirmed its commitment to support. All securities reflected in the preceding table were classified as available-for-sale at December 31, 2015 and 2014.

The amortized cost and fair values of securities at December 31, 2015 by contractual maturity are shown below. Securities not due at a single maturity date are shown separately. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.



	December 31, 2015
	Amortized Cost		Fair Value
Due in one year or less	$	87,901	$	87,901
Equity mutual fund	500		507
Mortgage-backed securities - residential	18,330		19,180
Collateralized mortgage obligations - residential	7,111		7,142
SBA-guaranteed loan participation certificates	23		23
	$	113,865	$	114,753

Investment securities available for sale with carrying amounts of $6.0 million and $6.8 million at December 31, 2015 and 2014, respectively, were pledged as collateral on customer repurchase agreements and for other purposes as required or permitted by law.

Sales of securities were as follows:



	For the years ended December 31,
	2015		2014		2013
Proceeds	$	—	$	3,663	$	—
Gross gains	—		—		—
Gross losses	—		7		—

Securities with unrealized losses at December 31, 2015 and 2014 not recognized in income are as follows:



	Less than 12 Months				12 Months or More					Total
	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss			Fair Value		Unrealized Loss
December 31, 2015
Mortgage-backed securities - residential	$	—	$	—	$	1,724	$	(30	)	$	1,724	$	(30	)
Collateralized mortgage obligations - residential	—		—		1,299		(10		)	1,299		(10		)
	$	—	$	—	$	3,023	$	(40	)	$	3,023	$	(40	)

December 31, 2014
Mortgage-backed securities - residential	—		—		2,126		(40		)	2,126		(40		)
Collateralized mortgage obligations - residential	—		—		1,847		(13		)	1,847		(13		)
	$	—	$	—	$	3,973	$	(53	)	$	3,973	$	(53	)

The Company evaluates marketable investment securities with significant declines in fair value on a quarterly basis to determine whether they should be considered other-than-temporarily impaired under current accounting guidance, which generally provides that if a marketable security is in an unrealized loss position, whether due to general market conditions or industry or issuer-specific factors, the holder of the securities must assess whether the impairment is other-than-temporary.

Certain residential mortgage-backed securities and collateralized mortgage obligations that the Company holds in its investment portfolio were in an unrealized loss position at December 31, 2015, but the unrealized loss was not considered significant under the Company’s impairment testing methodology. In addition, the Company does not intend to sell these securities, and it is not likely that the Company will be required to sell the securities before their anticipated recovery occurs.

- Definition

The entire disclosure for investments in certain debt and equity securities.

+ References + Details

Loans Receivable (Notes)

12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Receivables [Abstract]

Loans Receivable

Loans receivable are as follows:



	December 31,
	2015			2014
One-to-four family residential real estate	$	159,501		$	180,337
Multi-family mortgage	506,026			480,349
Nonresidential real estate	226,735			234,500
Construction and land	1,313			1,885
Commercial loans	79,516			66,882
Commercial leases	265,405			217,143
Consumer	1,831			2,051
	1,240,327			1,183,147
Net deferred loan origination costs	1,621			1,199
Allowance for loan losses	(9,691		)	(11,990		)
Loans, net	$	1,232,257		$	1,172,356

Loan Origination/Risk Management. The Company has certain lending policies and procedures in place that are designed to maximize loan income within an acceptable level of risk. The Company reviews and approves these policies and procedures on a periodic basis. A reporting system supplements the review process by providing management with frequent reports related to loan production, loan quality, concentrations of credit, loan delinquencies and nonperforming and potential problem loans via trend and risk rating migration. The Company requires title insurance insuring the priority of our lien, fire and extended coverage casualty insurance, and, if appropriate, flood insurance, in order to protect our security interest in the underlying property.

The majority of the loans the Company originates are investment and business loans (multi-family, nonresidential real estate, commercial, construction and land loans, and commercial leases). In addition, we originate one-to-four family residential mortgage loans and consumer loans, and purchase and sell loan participations from time-to-time. The following briefly describes our principal loan products.

The Company originates real estate loans principally secured by first liens on nonresidential real estate. The nonresidential real estate properties are predominantly office buildings, light industrial buildings, shopping centers and mixed-use developments and, to a lesser extent, more specialized properties such as nursing homes and other healthcare facilities. The Company may, from time to time, purchase commercial real estate loan participations.

Multi-family mortgage loans generally are secured by multi-family rental properties such as apartment buildings, including subsidized apartment units. In general, loan amounts range between $250,000 and $3.0 million. Approximately 38.7% of the collateral is located outside of our primary market area; however, we do not have a concentration in any single market outside of our primary market territory. In underwriting multi-family mortgage loans, the Company considers a number of factors, which include the projected net cash flow to the loan’s debt service requirement (generally requiring a minimum ratio of 120%), the age and condition of the collateral, the financial resources and income level of the borrower and the borrower’s experience in owning or managing similar properties and, proximity to diverse employment opportunities. Multi-family mortgage loans are generally originated in amounts up to 80% of the appraised value of the property securing the loan. Personal guarantees are usually obtained from multi-family mortgage borrowers.

Loans secured by multi-family mortgages generally involve a greater degree of credit risk than one- to four-family residential mortgage loans and carry larger loan balances. This increased credit risk is a result of several factors, including the concentration of principal in a limited number of loans and borrowers, the effects of general economic conditions on income producing properties, and the increased difficulty of evaluating and monitoring these types of loans. Furthermore, the repayment of loans secured by multi-family mortgages typically depends upon the successful operation of the related real estate property. If the cash flow from the project is reduced below acceptable thresholds, the borrower’s ability to repay the loan may be impaired.

The Company emphasizes nonresidential real estate loans with initial principal balances between $250,000 and $3.0 million. Substantially all of our nonresidential real estate loans are secured by properties located in our primary market area. The Company’s nonresidential real estate loans are generally written as three- or five-year adjustable-rate mortgages or mortgages with balloon maturities of three or five years. Amortization on these loans is typically based on 20- to 30-year schedules. The Company also originates some 15-year fixed-rate, fully amortizing loans.

In the underwriting of nonresidential real estate loans, the Company generally lends up to 80% of the property’s appraised value. Decisions to lend are based on the economic viability of the property as the primary source of repayment and the creditworthiness of the borrower. In evaluating a proposed commercial real estate loan, we emphasize the ratio of the property’s projected net cash flow to the loan’s debt service requirement (generally requiring a minimum ratio of 120%), computed after deduction for a vacancy factor and property expenses we deem appropriate. Personal guarantees are pursued and usually obtained from nonresidential real estate borrowers.

Nonresidential real estate loans generally carry higher interest rates and have shorter terms than those on one- to four-family residential mortgage loans. Nonresidential real estate loans, however, entail significant additional credit risks compared to one- to four-family residential mortgage loans, as they typically involve larger loan balances concentrated with single borrowers or groups of related borrowers. In addition, the payment of loans secured by income-producing properties typically depends on the successful operation of the related real estate project and thus may be subject to a greater extent to adverse conditions in the real estate market and in the general economy.

The Company makes various types of secured and unsecured commercial loans to customers in our market area for the purpose of financing equipment acquisition, expansion, working capital and other general business purposes. The terms of these loans generally range from less than one year to five years. The loans are either negotiated on a fixed-rate basis or carry adjustable interest rates indexed to (i) a lending rate that is determined internally, or (ii) a short-term market rate index.

Commercial credit decisions are based upon our credit assessment of the loan applicant. The Company determines the applicant’s ability to repay in accordance with the proposed terms of the loans and we assess the risks involved. An evaluation is made of the applicant to determine character and capacity to manage. Personal guarantees of the principals are pursued and usually obtained. In addition to evaluating the loan applicant’s financial statements, we consider the adequacy of the primary and secondary sources of repayment for the loan. Credit agency reports of the applicant’s credit history supplement our analysis of the applicant’s creditworthiness and at times are supplemented with inquiries to other banks and trade investigations. Moreover, assets listed on personal financial statements are verified. Collateral supporting a secured transaction also is analyzed to determine its marketability. Commercial business loans generally have higher interest rates than residential loans of like duration because they have a higher risk of default since their repayment generally depends on the successful operation of the borrower’s business and the sufficiency of any collateral. Pricing of commercial loans is based primarily on the credit risk of the borrower, with due consideration given to borrowers with appropriate deposit relationships.

The Company also lends money to small and mid-size leasing companies for equipment financing leases. Generally, commercial leases are secured by an assignment by the leasing company of the lease payments and by a secured interest in the equipment being leased. In most cases, the lessee acknowledges our security interest in the leased equipment and agrees to send lease payments directly to us. Consequently, the Company underwrites lease loans by examining the creditworthiness of the lessee rather than the lessor. Lease loans generally are non-recourse to the leasing company.

The Company’s commercial leases are secured primarily by technology equipment, medical equipment, material handling equipment and other capital equipment. Lessees tend to be publicly-traded companies with investment-grade rated debt or companies that have not issued public debt and therefore do not have a public debt rating. The Company requires that a minimum of 50% of our commercial lessees have an investment grade public debt rating by Moody’s or Standard & Poors, or the equivalent. Commercial leases to these entities have a maximum maturity of seven years and a maximum outstanding credit exposure of $15.0 million to any single entity. If the lessee does not have a public debt rating, they are subject to the same internal credit analysis as any other customer. Typically, commercial leases to these lessees have a maximum maturity of five years and a maximum outstanding credit exposure of $5.0 million to any single entity. In addition, the Company will originate commercial leases to lessees with below-investment grade public debt ratings and have a maximum outstanding credit exposure of $10.0 million to any single entity. Lease loans are almost always fully amortizing, with fixed interest rates.

Although the Company does not actively originate construction and land loans presently, construction and land loans generally consist of land acquisition loans to help finance the purchase of land intended for further development, including single-family homes, multi-family housing and commercial income property, development loans to builders in our market area to finance improvements to real estate, consisting mostly of single-family subdivisions, typically to finance the cost of utilities, roads, sewers and other development costs. These builders generally rely on the sale of single-family homes to repay development loans, although in some cases the improved building lots may be sold to another builder, often in conjunction with development loans. Construction and land loans typically involve a higher degree of credit risk than financing on improved, owner-occupied real estate. The risk of loss on construction and land loans is largely dependent upon the accuracy of the initial appraisal of the property’s value upon completion of construction or development; the estimated cost of construction, including interest; and the estimated time to complete and/or sell or lease such property. The Company seeks to minimize these risks by maintaining consistent lending policies and underwriting standards. However, if the estimate of value proves to be inaccurate, the cost of completion is greater than expected, the length of time to complete and/or sell or lease the collateral property is greater than anticipated, or if there is a downturn in the local economy or real estate market, the property could have a value upon completion that is insufficient to assure full repayment of the loan. This could have a material adverse effect on the quality of the construction and land loan portfolio, and could result in significant losses or delinquencies.

The Company offers conforming and non-conforming, fixed-rate and adjustable-rate residential mortgage loans with maturities of up to 30 years and maximum loan amounts generally of up to $2.5 million. The Company currently offers fixed-rate conventional mortgage loans with terms of 10 to 30 years that are fully amortizing with monthly payments, and adjustable-rate conventional mortgage loans with initial terms of between one and five years that amortize up to 30 years. One- to four-family residential mortgage loans are generally underwritten according to Fannie Mae guidelines, and loans that conform to such guidelines are referred to as “conforming loans.” The Company generally originates both fixed- and adjustable-rate loans in amounts up to the maximum conforming loan limits as established by Fannie Mae, which is currently $417,000 for single-family homes. Private mortgage insurance is required for first mortgage loans with loan-to-value ratios in excess of 80%.

The Company also originates loans above conforming limits, sometimes referred to as “jumbo loans,” that have been underwritten to the credit standards of Fannie Mae. These loans are generally eligible for sale to various firms that specialize in the purchase of such non-conforming loans. In the Chicago metropolitan area, larger residential loans are not uncommon. The Company also originates loans at higher rates that do not fully meet the credit standards of Fannie Mae but are deemed to be acceptable risks.

The primary markets served by the Company have seen gradually broadening signs of stability amid widespread economic weakness and high unemployment. The ability of the Company’s borrowers to repay their loans, and the value of the collateral securing such loans, could be adversely impacted by a return to economic weakness in its local markets as a result of unemployment, declining real estate values, or increased residential and office vacancies. This not only could result in the Company experiencing charge-offs and/or nonperforming assets, but also could necessitate an increase in the provision for loan losses. These events, if they were to recur, would have an adverse impact on the Company’s results of operations and its capital.

The following tables present the balance in the allowance for loan losses and the loans receivable by portfolio segment and based on impairment method:



	Allowance for loan losses						Loan Balances
	Individually evaluated for impairment		Collectively evaluated for impairment		Total		Individually evaluated for impairment		Collectively evaluated for impairment		Total
December 31, 2015
One-to-four family residential real estate	$	—	$	1,704	$	1,704	$	2,672	$	156,829	$	159,501
Multi-family mortgage	41		3,569		3,610		2,879		503,147		506,026
Nonresidential real estate	3		2,579		2,582		2,099		224,636		226,735
Construction and land	—		43		43		—		1,313		1,313
Commercial loans	—		654		654		—		79,516		79,516
Commercial leases	—		1,073		1,073		—		265,405		265,405
Consumer	—		25		25		—		1,831		1,831
	$	44	$	9,647	$	9,691	$	7,650	$	1,232,677	1,240,327
Net deferred loan origination costs											1,621
Allowance for loan losses											(9,691		)
Loans, net											$	1,232,257



	Allowance for loan losses						Loan Balances
	Individually evaluated for impairment		Collectively evaluated for impairment		Total		Individually evaluated for impairment		Collectively evaluated for impairment		Total
December 31, 2014
One-to-four family residential real estate	$	8	$	2,140	$	2,148	$	4,174	$	176,163	$	180,337
Multi-family mortgage	226		4,979		5,205		5,282		475,067		480,349
Nonresidential real estate	236		2,704		2,940		4,690		229,810		234,500
Construction and land	—		80		80		—		1,885		1,885
Commercial loans	—		554		554		76		66,806		66,882
Commercial leases	—		1,009		1,009		—		217,143		217,143
Consumer	—		54		54		—		2,051		2,051
	$	470	$	11,520	$	11,990	$	14,222	$	1,168,925	1,183,147
Net deferred loan origination costs											1,199
Allowance for loan losses											(11,990		)
Loans, net											$	1,172,356

Activity in the allowance for loan losses is as follows:



	For the years ended December 31,
	2015			2014			2013
Beginning balance	$	11,990		$	14,154		$	18,035
Loans charged off:
One-to-four family residential real estate	(386		)	(873		)	(1,505		)
Multi-family mortgage	(198		)	(1,230		)	(1,832		)
Nonresidential real estate	(391		)	(1,727		)	(577		)
Construction and land	—			(1		)	(943		)
Commercial loans	(152		)	(123		)	(425		)
Commercial leases	—			(8		)	—
Consumer	(16		)	(12		)	(55		)
	(1,143		)	(3,974		)	(5,337		)
Recoveries:
One-to-four family residential real estate	702			418			447
Multi-family mortgage	182			100			236
Nonresidential real estate	509			423			519
Construction and land	44			377			463
Commercial loans	611			1,225			470
Commercial leases	1			—			—
Consumer	1			3			8
	2,050			2,546			2,143
Net recoveries (charge-off)	907			(1,428		)	(3,194		)
Recovery of loan losses	(3,206		)	(736		)	(687		)
Ending balance	$	9,691		$	11,990		$	14,154

Impaired loans

Several of the following disclosures are presented by “recorded investment,” which the FASB defines as “the amount of the investment in a loan, which is not net of a valuation allowance, but which does reflect any direct write-down of the investment.” The following represents the components of recorded investment:

Loan principal balance

Less unapplied payments

Plus negative unapplied balance

Less escrow balance

Plus negative escrow balance

Plus unamortized net deferred loan costs

Less unamortized net deferred loan fees

Plus unamortized premium

Less unamortized discount

Less previous charge-offs

Plus recorded accrued interest

Less reserve for uncollected interest

= Recorded investment

The following tables present loans individually evaluated for impairment by class of loans:



	Loan Balance		Recorded Investment		Partial Charge-off		Allowance for Loan Losses Allocated		Average Investment in Impaired Loans		Interest Income Recognized
December 31, 2015
With no related allowance recorded
One-to-four family residential real estate	$	3,203	$	2,637	$	637	$	—	$	2,708	$	24
One-to-four family residential real estate - non-owner occupied	23		21		2		—		859		—
Multi-family mortgage	1,863		1,837		—		—		1,962		78
Wholesale commercial lending	511		507		—		—		514		34
Nonresidential real estate	2,066		2,049		—		—		1,877		102
	7,666		7,051		639		—		7,920		238
With an allowance recorded
Multi-family mortgage	518		518		—		41		1,181		—
Nonresidential real estate	62		39		27		3		1,439		—
	580		557		27		44		2,620		—
	$	8,246	$	7,608	$	666	$	44	$	10,540	$	238



	Loan Balance		Recorded Investment		Partial Charge-off		Allowance for Loan Losses Allocated		Average Investment in Impaired Loans		Interest Income Recognized
December 31, 2014
With no related allowance recorded
One-to-four family residential real estate	$	3,246	$	2,656	$	649	$	—	$	2,777	$	44
One-to-four family residential real estate - non-owner occupied	1,481		1,425		57		—		745		76
Multi-family mortgage	3,174		2,593		481		—		3,419		120
Wholesale commercial lending	519		513		—		—		401		—
Nonresidential real estate	2,118		2,068		6		—		4,175		72
Commercial loans - secured	76		76		—		—		93		3
	10,614		9,331		1,193		—		11,610		315
With an allowance recorded
One-to-four family residential real estate - non-owner occupied	115		78		37		8		202		—
Multi-family mortgage	2,713		2,131		624		226		2,343		48
Nonresidential real estate	2,950		2,605		326		236		1,718		67
	5,778		4,814		987		470		4,263		115
	$	16,392	$	14,145	$	2,180	$	470	$	15,873	$	430

Purchased Impaired Loans

As a result of its acquisition of Downers Grove National Bank, the Company holds purchased loans for which there was evidence of deterioration of credit quality since origination and for which it was probable that all contractually required payments would not be collected as of the date of the acquisition. The carrying amount of these purchased impaired loans is as follows:



	December 31,
	2015		2014
One–to–four family residential real estate	$	—	$	52
Nonresidential real estate	—		—
Commercial loans	—		—
Outstanding balance	$	—	$	52
Carrying amount, net of allowance (None at December 31, 2014, $5 at December 31, 2013)	$	—	$	—

Accretable yield, or income expected to be collected, related to purchased impaired loans is as follows:



	For the years ended December 31,
	2015			2014
Beginning balance	$	37		$	196
Disposals	—			—
Reclassifications from nonaccretable difference	(1		)	35
Accretion of income	36			194
Ending balance	$	—		$	37

For the above purchased impaired loans, the Company decreased the allowance for loan losses by $5,000 for the year ended December 31, 2015 and decreased the allowance for loan losses by $105,000 for the year ended December 31, 2014.

Purchased impaired loans for which it was probable at the date of acquisition that all contractually required payments would not be collected are as follows:



	December 31,
	2015		2014
Contractually required payments receivable of loans purchased
One-to-four family residential real estate	$	82	$	832
Nonresidential real estate	—		1,999
Commercial loans	—		222
	$	82	$	3,053

At acquisition, cash flows expected to be collected were $18.8 million, compared to the fair value of purchased impaired loans of $15.4 million.

The Company’s reserve for uncollected loan interest was $181,000 and $464,000 at December 31, 2015 and 2014, respectively. Except for purchased impaired loans, when a loan is on non-accrual status and the ultimate collectability of the total principal of an impaired loan is in doubt, all payments are applied to principal under the cost recovery method. Alternatively, when a loan is on non-accrual status but there is doubt concerning only the ultimate collectability of interest, contractual interest is credited to interest income only when received, under the cash basis method pursuant to the provisions of FASB ASC 310–10, as applicable. In all cases, the average balances are calculated based on the month–end balances of the financing receivables within the period reported pursuant to the provisions of FASB ASC 310–10, as applicable.

Troubled Debt Restructurings

The Company evaluates loan extensions or modifications in accordance with FASB ASC 310–40 with respect to the classification of the loan as a TDR. In general, if the Company grants a loan extension or modification to a borrower for other than an insignificant period of time that includes a below–market interest rate, principal forgiveness, payment forbearance or other concession intended to minimize the economic loss to the Company, the loan extension or loan modification is classified as a TDR. In cases where borrowers are granted new terms that provide for a reduction of either interest or principal then due and payable, management measures any impairment on the restructured loan in the same manner as for impaired loans as noted above.

The Company had $2.7 million of TDRs at December 31, 2015, compared to $3.0 million at December 31, 2014, with zero and $38,000 in specific valuation reserves allocated at December 31, 2015 and 2014, respectively. The Company had no outstanding commitments to borrowers whose loans are classified as TDRs.

The following table presents loans classified as TDRs:



	December 31,
	2015		2014
One-to-four family residential real estate	$	1,385	$	1,917
Multi-family mortgage	1,119		510
Accrual troubled debt restructured loans	2,504		2,427
One-to-four family residential real estate	174		230
Multi-family mortgage	—		346
Nonaccrual troubled debt restructured loans	174		576
	$	2,678	$	3,003

During the years ending December 31, 2015 and 2014, the terms of certain loans were modified and classified as TDRs. The modification of the terms of such loans included one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; or a permanent reduction of the recorded investment in the loan.

The following tables present TDRs that occurred during the year:



	For the years ended December 31,
	2015					2014
	Number of loans	Pre- Modification outstanding recorded investment		Post- Modification outstanding recorded investment		Number of loans	Pre- Modification outstanding recorded investment		Post- Modification outstanding recorded investment
One-to-four family residential real estate	6	$	401	$	274	4	$	485	$	444
Multi-family mortgage	1	615		615		—	—		—
Commercial loans - secured	—	—		—		1	210		5
	7	$	1,016	$	889	5	$	695	$	449



	Due to reduction in interest rate		Due to extension of maturity date		Due to permanent reduction in recorded investment		Total
For the year ended December 31, 2015
One-to-four family residential real estate	$	—	$	142	$	132	$	274
Multi-family mortgage	—		615		—		615
	$	—	$	757	$	132	$	889
For the year ended December 31, 2014
One-to-four family residential real estate	$	19	$	373	$	52	$	444
Commercial loans - secured	—		—		5		5
	$	19	$	373	$	57	$	449

The TDRs described had no material impact on interest income, resulted in no change to the allowance for loan losses allocated and resulted in charge offs of $127,000 for the year ended December 31, 2015. The TDRs described above decreased interest income by $2,000, resulted in no change to the allowance for loan losses and resulted in charge offs of $248,000 for the year ended December 31, 2014.

The following table presents TDRs for which there was a payment default within twelve months following the modification:



	For the years ended December 31,
	2015			2014
	Number of loans	Recorded investment		Number of loans	Recorded investment
One-to-four family residential real estate	2	$	43	2	$	78

A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms.

The TDRs that subsequently defaulted described above had no material impact on the allowance for loans losses during the years ending December 31, 2015 and 2014.

The terms of certain other loans were modified during the year ending December 31, 2015 that did not meet the definition of a TDR. These loans have a total recorded investment of $1.9 million and $1.0 million at December 31, 2015 and 2014. The modification of these loans involved either a modification of the terms of a loan to borrowers who were not experiencing financial difficulties or a delay in a payment that was considered to be insignificant.

In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s internal underwriting policy.

Credit Quality Indicators:

The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt, including current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans based on credit risk. This analysis includes non-homogeneous loans, such as commercial and commercial real estate loans. This analysis is performed on a monthly basis. The Company uses the following definitions for risk ratings:

Special Mention. A Special Mention asset has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution’s credit position at some future date. Special Mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification.

Substandard. Loans categorized as substandard continue to accrue interest, but exhibit a well-defined weakness or weaknesses that may jeopardize the liquidation of the debt. The loans continue to accrue interest because they are well secured and collection of principal and interest is expected within a reasonable time. The risk rating guidance published by the Office of the Comptroller of the Currency clarifies that a loan with a well-defined weakness does not have to present a probability of default for the loan to be rated Substandard, and that an individual loan’s loss potential does not have to be distinct for the loan to be rated Substandard.

Nonaccrual. An asset classified Nonaccrual has all the weaknesses inherent in one classified substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The loans were placed on nonaccrual status.

Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered “Pass” rated loans.

As of December 31, 2015, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:



	Pass		Special Mention		Substandard		Nonaccrual		Total
One-to-four family residential real estate	$	112,449	$	—	$	576	$	1,936	$	114,961
One-to-four family residential real estate - non-owner occupied	43,858		219		271		192		44,540
Multi-family mortgage - Illinois	312,329		344		4,656		828		318,157
Multi-family mortgage - Other	187,358		—		511		—		187,869
Nonresidential real estate	219,859		1,600		4,981		295		226,735
Construction	21		—		—		—		21
Land	450		—		842		—		1,292
Commercial loans:
Regional commercial banking	29,377		—		614		—		29,991
Health care	31,809		—		—		—		31,809
Direct commercial lessor	17,716		—		—		—		17,716
Commercial leases:
Investment rated commercial leases	170,100		—		—		—		170,100
Other commercial leases	95,305		—		—		—		95,305
Consumer	1,831		—		—		—		1,831
	$	1,222,462	$	2,163	$	12,451	$	3,251	$	1,240,327

As of December 31, 2014, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:



	Pass		Special Mention		Substandard		Nonaccrual		Total
One-to-four family residential real estate	$	126,102	$	615	$	1,046	$	4,228	$	131,991
One-to-four family residential real estate - non-owner occupied	46,253		931		964		198		48,346
Multi-family mortgage - Illinois	330,878		609		3,430		4,515		339,432
Multi-family mortgage - Other	140,398		—		519		—		140,917
Nonresidential real estate	223,385		1,170		6,698		3,247		234,500
Construction	60		—		—		—		60
Land	1,212		—		613		—		1,825
Commercial loans:
Regional commercial banking	23,978		40		705		76		24,799
Health care	24,770		—		—		—		24,770
Direct commercial lessor	17,313		—		—		—		17,313
Commercial leases:
Investment rated commercial leases	160,208		—		—		—		160,208
Other commercial leases	56,935		—		—		—		56,935
Consumer	2,048		—		—		3		2,051
	$	1,153,540	$	3,365	$	13,975	$	12,267	$	1,183,147

Past Due Loans

The following tables present the aging of the recorded investment in past due loans at December 31, 2015 by class of loans:



	30-59 Days Past Due		60-89 Days Past Due		90 Days or Greater Past Due		Total Past Due		Loans Not Past Due		Total
One-to-four family residential real estate	$	2,000	$	572	$	1,997	$	4,569	$	109,893	$	114,462
One-to-four family residential real estate - non-owner occupied	299		164		192		655		43,557		44,212
Multi-family mortgage - Illinois	651		283		821		1,755		312,620		314,375
Multi-family mortgage - Other	—		—		—		—		188,178		188,178
Nonresidential real estate	—		—		296		296		223,018		223,314
Construction	—		—		—		—		21		21
Land	—		—		—		—		1,279		1,279
Commercial loans:
Regional Commercial Banking	4		150		—		154		29,890		30,044
Health Care	—		—		—		—		31,862		31,862
Direct Commercial Lessor	—		—		—		—		17,873		17,873
Commercial leases:					—
Investment rated commercial leases	50		363		—		413		170,859		171,272
Other commercial leases	—		—		—		—		95,800		95,800
Consumer	21		—		—		21		1,819		1,840
Total	$	3,025	$	1,532	$	3,306	$	7,863	$	1,226,669	$	1,234,532

The following tables present the aging of the recorded investment in past due loans as December 31, 2014 by class of loans:



	30-59 Days Past Due		60-89 Days Past Due		Greater than 90 Days Past Due		Total Past Due		Loans Not Past Due		Total
One-to-four family residential real estate	$	1,415	$	276	$	3,844	$	5,535	$	126,054	$	131,589
One-to-four family residential real estate - non-owner occupied	320		165		198		683		47,350		48,033
Multi-family mortgage	2,314		1,187		3,363		6,864		328,516		335,380
Wholesale commercial lending	—		—		—		—		141,052		141,052
Nonresidential real estate	376		444		3,245		4,065		227,078		231,143
Construction	—		—		—		—		63		63
Land	—		—		—		—		1,814		1,814
Commercial loans:
Regional Commercial Banking	—		1		76		77		24,777		24,854
Health Care	—		—		—		—		24,799		24,799
Direct Commercial Lessor	—		—		—		—		17,380		17,380
Commercial leases:					—
Investment rated commercial leases	426		—		—		426		160,830		161,256
Other commercial leases	144		—		—		144		57,098		57,242
Consumer	18		1		3		22		2,038		2,060
	$	5,013	$	2,074	$	10,729	$	17,816	$	1,158,849	$	1,176,665

- Definition

The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses.

+ References + Details

Other Real Estate (Notes)

12 Months Ended

Dec. 31, 2015

Other Real Estate Owned [Abstract]

Real Estate Owned [Text Block]

OTHER REAL ESTATE OWNED

Real estate that is acquired through foreclosure or a deed in lieu of foreclosure is classified as OREO until it is sold. When real estate is acquired through foreclosure or by deed in lieu of foreclosure, it is recorded at its fair value, less the estimated costs of disposal. If the fair value of the property is less than the loan balance, the difference is charged against the allowance for loan losses.

The following represents the roll forward of OREO and the composition of OREO properties.



	At and For the Years Ended December 31,
	2015			2014
	(Dollars in thousands)
Beginning balance	$	6,358		$	6,306
New foreclosed properties	5,875			5,449
Valuation adjustments	(548		)	(448		)
Sales	(4,674		)	(4,949		)
Ending balance	$	7,011		$	6,358



	December 31, 2015							December 31, 2014
	Balance		Valuation Allowance			Net OREO Balance		Balance		Valuation Allowance			Net OREO Balance
	(Dollars in thousands)
One–to–four family residential	$	2,684	$	(63	)	$	2,621	$	1,318	$	(55	)	$	1,263
Multi-family mortgage	1,025		(74		)	951		2,530		(223		)	2,307
Nonresidential real estate	1,986		(239		)	1,747		964		(79		)	885
Land	2,358		(666		)	1,692		2,442		(539		)	1,903
	8,053		(1,042		)	7,011		7,254		(896		)	6,358

Activity in the valuation allowance is as follows:



	At and For the Years Ended December 31,
	2015			2014
	(Dollars in thousands)
Beginning of year	$	896		$	902
Additions charged to expense	548			438
Reductions from sales of other real estate owned	(402		)	(444		)
End of year	$	1,042		$	896

- Definition

The entire disclosure for real estate owned (as defined). Generally, the largest component of real estate owned by lenders is assets taken in settlement of troubled loans through surrender or foreclosure. Real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 40
-Section 40
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6905009&loc=d3e18551-111553

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 40
-Section 40
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6905009&loc=d3e18511-111553

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 45
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4437-111522

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 360
-SubTopic 10
-Section 35
-Paragraph 17
-URI http://asc.fasb.org/extlink&oid=29634951&loc=d3e1424-110224

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.10(4))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 360
-SubTopic 10
-Section 35
-Paragraph 43
-URI http://asc.fasb.org/extlink&oid=29634951&loc=d3e1739-110224

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 10
-Subparagraph 4
-Article 9

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 11
-Article 9

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph c
-Subparagraph Schedule III
-Article 5

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 28
-Article 12

+ Details

Secondary Mortgage Market Activities (Notes)

12 Months Ended

Dec. 31, 2015

Mortgage Banking [Abstract]

Secondary Mortgage Market Activities

First mortgage loans serviced for others are not included in the accompanying consolidated statements of financial condition. The unpaid principal balances of these loans were $132.4 million and $148.3 million at December 31, 2015, and 2014, respectively. Custodial escrow balances maintained in connection with the foregoing loan servicing activities were $3.4 million at December 31, 2015, and 2014.

Capitalized mortgage servicing rights are included in other assets in the accompanying consolidated statements of financial condition. Activity for capitalized mortgage servicing rights and the related valuation allowance was as follows.



	December 31,
	2015			2014
Servicing rights
Beginning of year	$	834		$	931
Additions	27			38
Amortized to expense	(137		)	(135		)
End of year	$	724		$	834
Valuation allowance
Beginning of year	$	13		$	5
Additions expensed	3			8
Reductions credited to expense	—			—
End of year	$	16		$	13
Carrying value of mortgage servicing rights	$	708		$	821
Fair value of mortgage servicing rights	$	815		$	1,190

The estimated fair value of mortgage servicing rights is the present value of the expected future cash flows over the projected life of the loan. Assumptions used in the present value calculation are based on actual performance of the underlying servicing along with general market consensus. The expected cash flow is the net amount of all mortgage servicing income and expense items. The expected cash flows are discounted at an interest rate appropriate for the associated risk given the current market conditions. Significant assumptions are as follows:



	December 31,
	2015		2014
Prepayment speed	13.92	%	13.69	%
Discount rate	12.00	%	12.00	%
Average servicing cost per loan	$60.00		$63.00
Escrow float rate	0.25	%	1.83	%

Key economic assumptions used in measuring the fair value of the Company’s mortgage servicing rights as of December 31, 2015 and the effect on the fair value of our mortgage servicing rights from adverse changes in those assumptions, are as follows:



Fair value of mortgage servicing rights	$	815
Weighted average annual prepayment speed	13.92		%
Decrease in fair value from 10% adverse change	(22		)
Decrease in fair value from 20% adverse change	(41		)
Weighted-average annual discount rate	12.00		%
Decrease in fair value from 10% adverse change	(28		)
Decrease in fair value from 20% adverse change	(54		)

These sensitivities are hypothetical and should be used with caution. As the above table indicates, changes in fair value based on variations in individual assumptions generally cannot be used to predict changes in fair value based upon further variations of the same assumptions. Also, the effect of a variation in a particular assumption on the fair value of the retained interest is calculated in the above table independently, without changing any other assumption. In reality, changes in one factor may result in changes in another factor, which might magnify or counteract the sensitivities.

The weighted average amortization period is 62 months. The estimated amortization expense for each of the next five years is as follows:



2016	$	142
2017	115
2018	92
2019	72
2020	58

- Definition

The entire disclosure for a transferor's continuing involvement in financial assets that it has transferred in a securitization or asset-backed financing arrangement, the nature of any restrictions on assets reported by an entity in its statement of financial position that relate to a transferred financial asset (including the carrying amounts of such assets), how servicing assets and servicing liabilities are reported, and (for securitization or asset-backed financing arrangements accounted for as sales) when a transferor has continuing involvement with the transferred financial assets and transfers of financial assets accounted for as secured borrowings, how the transfer of financial assets affects an entity's financial position, financial performance, and cash flows.

+ References + Details

Premises and Equipment (Notes)

12 Months Ended

Dec. 31, 2015

Property, Plant, Equipment And Leases [Abstract]

Premises and Equipment

Year end premises and equipment are as follows:



	December 31,
	2015			2014
Land and land improvements	$	13,594		$	13,569
Buildings and improvements	37,316			37,181
Furniture and equipment	9,693			9,487
Computer equipment	7,224			7,232
	67,827			67,469
Accumulated depreciation	(35,101		)	(33,183		)
	$	32,726		$	34,286

Depreciation of premises and equipment was $2.1 million, $2.2 million and $2.9 million for the years ended December 31, 2015, 2014 and 2013, respectively.

The Company leases certain branch facilities under non-cancelable operating lease agreements expiring in various years through 2032. Rent expense, net of sublease income, for facilities was $393,000, $387,000, and $476,000 in 2015, 2014, and 2013, respectively, excluding taxes, insurance, and maintenance. The projected minimum rental expense under existing leases, not including taxes, insurance, and maintenance, as of December 31, 2015 is as follows:



2016	$	448
2017	469
2018	479
2019	471
2020	459
Thereafter	4,708
	$	7,034

The Company has subleased some of its branch facilities and currently is entitled to receive income as follows:



2016	$	43
2017	7
	$	50

Goodwill and Core Intangible (Notes)

12 Months Ended

Dec. 31, 2015

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill and Core Deposit Intangible

The following table presents the changes in the carrying amount of core deposit intangible, gross carrying amount, accumulated amortization, and net book value:



	December 31,
	2015			2014
Balance at the beginning of the year	$	1,855		$	2,433
Amortization	(550		)	(578		)
Additions	—			—
Net Carrying Value	$	1,305		$	1,855
Gross carrying amount	$	5,932		$	5,932
Accumulated amortization	(4,627		)	(4,077		)
Net Carrying Value	$	1,305		$	1,855

Aggregate amortization expense was $550,000, $578,000 and $605,000 for 2015, 2014 and 2013, respectively.

Estimated amortization expense for each of the next five years is as follows:



2016	$	523
2017	496
2018	184
2019	61
2020	34

- Definition

The entire disclosure for the aggregate amount of goodwill and a description of intangible assets, which may include (a) for amortizable intangible assets (also referred to as finite-lived intangible assets), the carrying amount, the amount of any significant residual value, and the weighted-average amortization period, (b) for intangible assets not subject to amortization (also referred to as indefinite-lived intangible assets), the carrying amount, and (c) the amount of research and development assets acquired and written off in the period, including the line item in the income statement in which the amounts written off are aggregated, if not readily apparent from the income statement. Also discloses (a) for amortizable intangibles assets in total and by major class, the gross carrying amount and accumulated amortization, the total amortization expense for the period, and the estimated aggregate amortization expense for each of the five succeeding fiscal years, (b) for intangible assets not subject to amortization the carrying amount in total and by major class, and (c) for goodwill, in total and for each reportable segment, the changes in the carrying amount of goodwill during the period (including the aggregate amount of goodwill acquired, the aggregate amount of impairment losses recognized, and the amount of goodwill included in the gain (loss) on disposal of a reporting unit). If any part of goodwill has not been allocated to a reportable segment, discloses the unallocated amount and the reasons for not allocating. For each impairment loss recognized related to an intangible asset (excluding goodwill), discloses: (a) a description of the impaired intangible asset and the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method for determining fair value, (c) the caption in the income statement or the statement of activities in which the impairment loss is aggregated, and (d) the segment in which the impaired intangible asset is reported. For each goodwill impairment loss recognized, discloses: (a) a description of the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method of determining the fair value of the associated reporting unit, and (c) if a recognized impairment loss is an estimate not finalized and the reasons why the estimate is not final. May also disclose the nature and amount of any significant adjustments made to a previous estimate of an impairment loss.

+ References + Details

Deposits (Notes)

12 Months Ended

Dec. 31, 2015

Deposits [Abstract]

Deposits

omposition of deposits are as follows:



	December 31,
	2015		2014
Noninterest-bearing demand deposits	$	254,830	$	134,129
Savings deposits	156,752		154,532
Money market accounts	329,654		338,246
Interest-bearing NOW accounts	248,982		351,947
Certificates of deposit	222,701		232,859
	$	1,212,919	$	1,211,713

Time deposits that meet or exceed the FDIC Insurance limit of $250,000 were $15.2 million and $13.1 million at December 31, 2015 and 2014, respectively.

Scheduled maturities of certificates of deposit for the next five years are as follows:



2016	$	151,545
2017	44,515
2018	15,716
2019	3,650
2020	7,275

Borrowings (Notes)

12 Months Ended

Dec. 31, 2015

Debt Disclosure [Abstract]

Borrowings

Year-end borrowed funds are as follows:



	December 31,
	2015				2014
	Contractual Rate		Amount		Contractual Rate		Amount
Fixed-rate advance from FHLBC, due within 1 year	0.29	%	$	62,000	0.13	%	$	10,000
Securities sold under agreements to repurchase	0.25		2,318		0.25		2,921
	0.28	%	$	64,318	0.16	%	$	12,921

The Company maintains a collateral pledge agreement covering secured advances whereby the Company has agreed to keep on hand, free of all other pledges, liens, and encumbrances, specifically identified whole first mortgages on improved residential property not more than 90-days delinquent to secure advances from the FHLBC. All of the Bank’s FHLBC common stock is pledged as additional collateral for these advances. At December 31, 2015, $94.3 million and $303.0 million of first mortgage and multi-family mortgage loans, respectively, collateralized potential advances. At December 31, 2015, we had the ability to borrow an additional $307.8 million under our credit facilities with the FHLBC. The Company also had available pre-approved overnight federal funds borrowing. At December 31, 2015 and 2014, there was no outstanding balance on these lines.

Income Taxes (Notes)

12 Months Ended

Dec. 31, 2015

Income Tax Disclosure [Abstract]

Income Taxes

he income tax expense (benefit) is as follows:



	For the years ended December 31,
	2015		2014			2013
Current	$	346	$	363		$	—
Deferred expense (benefit)	5,079		3,437			(1,310		)
Deferred tax valuation allowance	—		(35,117		)	1,310
Total income tax expense (benefit)	$	5,425	$	(31,317	)	$	—

A reconciliation of the provision for income taxes computed at the statutory federal corporate tax rate of 34% for 2015, 2014 and 2013 to the income tax expense (benefit) in the consolidated statements of operations follows:



	For the years ended December 31,
	2015			2014			2013
Expense computed at the statutory federal tax rate	$	4,794		$	3,161		$	1,121
State taxes and other, net	626			664			92
Tax adjustments	—			—			(2,390		)
Bank owned life insurance	(66		)	(80		)	(106		)
ESOP/Share based compensation	71			55			(27		)
Deferred tax valuation allowance	—			(35,117		)	1,310
	$	5,425		$	(31,317	)	$	—
Effective income tax rate	38.48		%	N.M.			—		%

N.M. Not Meaningful

Retained earnings at December 31, 2015 and 2014 include $14.9 million for which no deferred federal income tax liability has been recorded. This amount represents an allocation of income to bad debt deductions for tax purposes alone.

The net deferred tax asset is as follows:



	December 31,
	2015			2014
Gross Deferred tax assets
Allowance for loan losses	$	3,716		$	4,598
Alternative minimum tax, general business credit and net operating loss carryforwards	24,799			28,842
Tax deductible goodwill and core deposit intangible	1,783			2,091
Other	2,237			1,703
	32,535			37,234
Gross Deferred tax liabilities
Net deferred loan origination costs	(1,811		)	(1,587		)
Purchase accounting adjustments	(2,801		)	(2,728		)
Other	(888		)	(805		)
Unrealized gain on securities	(340		)	(471		)
	(5,840		)	(5,591		)
	$	26,695		$	31,643

As of December 31, 2015 and 2014, the Company’s net deferred tax asset (“DTA”) was $26.7 million and $31.6 million, respectively. The Company previously established a full valuation allowance against the DTA effective December 31, 2011, based on the Company’s cumulative pre-tax operating losses for the previous three years and other factors, including then existing local and national economic conditions and the Company’s then elevated level of nonperforming assets and corresponding credit costs (i.e., charge-offs, loan loss provisions, non-performing asset and other real estate owned management expenses, and gains and losses on sales of other real estate owned and bulk loan sales).

A DTA valuation allowance is required under ASC 740 when the realization of a DTA is assessed and the assessment indicates that it is “more likely than not” (i.e. more than 50% likely) that all or a portion of the DTA will not be realized. All available evidence, both positive and negative must be considered to determine whether, based on the weight of that evidence, a valuation allowance against the net DTA is required. Objectively verifiable evidence is assigned greater weight than evidence that is not objectively verifiable. The valuation allowance is analyzed quarterly for changes affecting the DTA.

The Company reversed its DTA valuation allowance as of December 31, 2014 based on management’s determination that it is more likely than not that the Company will be able to utilize the entire DTA and that maintaining a valuation allowance for the DTA was no longer warranted under ASC 740. Accordingly, the valuation allowance for the DTA was reversed and the Company recorded an associated tax benefit of $35.1 million in 2014.

The recovery of the DTA valuation allowance was supported by numerous positive factors, including eight consecutive quarters of sustained pre-tax income, strengthened asset quality trends, the absence of other previously-existing negative factors, the length of the Company’s net operating loss carryforward periods and financial projections indicating that the DTA will be realized before the underlying tax attributes begin to expire. The Company’s ability to realize the DTA is dependent upon the generation of future taxable income during the periods in which the tax attributes underlying the DTA become deductible. The amount of the DTA that will ultimately be realized will be impacted by the Company’s future taxable income and any changes to the many variables that could impact future taxable income.

As of December 31, 2015, management determined that it is more likely than not that the Company will be able to utilize the entire DTA.

At December 31, 2015, the Company had a federal net operating loss carryforward of $45.2 million, which will begin to expire in 2032, a federal tax credit carryforward of $1.3 million which will begin to expire in 2022, a $2.9 million alternative minimum tax credit carryforward that can be carried forward indefinitely, and a $39.7 million federal alternative minimum tax net operating loss carryforward which will begin to expire in 2032. In addition, at December 31, 2015 the Company had a federal net operating loss carryforward relating to its acquisition of Downers Grove National Bank, which is subject to utilization limitations under Section 382 of the Internal Revenue Code, of $7.9 million which will begin to expire in 2030. At December 31, 2015, the Company had a state net operating loss carryforward for the State of Illinois of $85.2 million, which will begin to expire in 2022.

Unrecognized Tax Benefits

A reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows:



	December 31,
	2015		2014
Beginning of year	$	79	$	65
Additions based on tax positions related to the current year	—		63
Additions for tax positions of prior years	29		1
Reductions due to the statute of limitations and reductions for tax positions of prior years	—		(50		)
End of year	$	108	$	79

The Company does not expect the total amount of unrecognized tax benefits to significantly increase or decrease in the next twelve months. The Company recognizes interest and/or penalties related to income tax matters in income tax expense. At December 31, 2015 and 2014, the Company has immaterial amounts accrued for potential interest and penalties.

The Company and its subsidiary are subject to U.S. federal income tax as well as income tax of the States of Illinois, Indiana, Wisconsin, New Jersey, Colorado, Minnesota, Florida and Texas. The Company is no longer subject to examination by the federal taxing authorities for years before 2012 and the Illinois taxing authorities for years before 2012.

Regulatory Matters (Notes)

12 Months Ended

Dec. 31, 2015

Banking and Thrift [Abstract]

Regulatory Capital Requirements under Banking Regulations [Text Block]

Actual and required capital amounts and ratios were:



	Actual				Required for Capital Adequacy Purposes				To be Well-Capitalized under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
December 31, 2015
Total capital (to risk-weighted assets):
Consolidated	$	198,738	17.89	%	$	88,898	8.00	%	N/A		N/A
BankFinancial, F.S.B.	171,239		15.41		88,881		8.00		$	111,102	10.00	%
Tier 1 (core) capital (to risk-weighted assets):
Consolidated	189,044		17.01		66,674		6.00		N/A		N/A
BankFinancial, F.S.B.	161,545		14.54		66,661		6.00		88,881		8.00
Common Tier 1 (CET1)
Consolidated	189,044		17.01		50,005		4.50		N/A		N/A
BankFinancial, F.S.B.	161,545		14.54		49,996		4.50		72,216		6.50
Tier 1 (core) capital (to adjusted average total assets):
Consolidated	189,044		13.26		57,043		4.00		N/A		N/A
BankFinancial, F.S.B.	161,545		11.33		57,039		4.00		71,299		5.00
December 31, 2014
Total capital (to risk-weighted assets):
Consolidated	$	199,284	18.31	%	$	87,084	8.00	%	N/A		N/A
BankFinancial, F.S.B.	176,414		16.21		87,058		8.00		$	108,822	10.00	%
Tier 1 (core) capital (to risk-weighted assets):
Consolidated	187,290		17.21		43,542		4.00		N/A		N/A
BankFinancial, F.S.B.	164,420		15.11		43,529		4.00		65,293		6.00
Tier 1 (core) capital (to adjusted average total assets):
Consolidated	187,290		13.04		57,363		4.00		N/A		N/A
BankFinancial, F.S.B.	164,420		11.45		57,431		4.00		71,789		5.00

The Company and the Bank have adopted Capital Plans that requires the Bank to maintain a Tier 1 leverage ratio of at least 8% and a total risk-based capital ratio of at least 12%. The minimum capital ratios set forth in the Capital Plans will be increased and other minimum capital requirements will be established if and as necessary to comply with the Basel III requirements as such requirements become applicable to the Company and the Bank. In accordance with the Capital Plans, neither the Company nor the Bank will pursue any acquisition or growth opportunity, declare any dividend or conduct any stock repurchase that would cause the Bank’s total risk-based capital ratio and/or its Tier 1 leverage ratio to fall below the established minimum capital levels. In addition, the Company will continue to maintain its ability to serve as a source of financial strength to the Bank by holding at least $5.0 million of cash or liquid assets for that purpose. At December 31, 2015, management believes the Company and the Bank's Basel III capital calculations exceed requirements.

Federal regulations require the Bank to comply with a Qualified Thrift Lender (“QTL”) test, which generally requires that 65% of assets be maintained in housing-related finance and other specified assets. If the QTL test is not met, limits are placed on growth, branching, new investment, FHLBC advances, and dividends or the institution must convert to a commercial bank charter. Management considers the QTL test to have been met as of December 31, 2015.

The Bank is subject to regulatory restrictions on the amount of dividends it may declare and pay to the Company without prior regulatory approval, and to regulatory notification requirements for dividends that do not require prior regulatory approval.

- Definition

The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable. The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1G
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958577-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1C
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958572-112826

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1E
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958574-112826

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1A
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958569-112826

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1B
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1F
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958575-112826

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1D
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958573-112826

+ Details

Employee Benefit Plans (Notes)

12 Months Ended

Dec. 31, 2015

Compensation and Retirement Disclosure [Abstract]

Employee Benefit Plans

Employee Stock Ownership Plan. Employees are eligible to participate in the ESOP after attainment of age 21 and completion of one year of service. In connection with the conversion and reorganization, the ESOP borrowed $19.6 million from the Company, and used the proceeds of the loan to purchase 1,957,300 shares of common stock issued in the subscription offering at $10.00 per share. The loan is secured by the shares and will be repaid by the ESOP with funds from the Bank’s discretionary contributions to the ESOP and earnings on ESOP assets. The Bank has committed to make discretionary contributions to the ESOP sufficient to service the loan over a period not to exceed 20 years. When loan payments are made, ESOP shares are allocated to participants based on relative compensation and expense is recorded. Participants receive their earned shares at the end of employment.

Contributions to the ESOP were $1.5 million for the years ended December 31, 2015 and 2014, including dividends and interest received on unallocated shares of $206,000 and $90,000 in 2015 and 2014, respectively.

Expense related to the ESOP, net of dividends and interest received on unallocated ESOP shares, was $1.0 million, $1.1 million and $847,000 for the years ended December 31, 2015, 2014 and 2013, respectively.

Shares held by the ESOP were as follows:



	December 31,
	2015			2014
Allocated to participants	1,027,583			929,718
Distributed to participants	(281,387		)	(202,235		)
Unearned	929,717			1,027,582
Total ESOP shares	1,675,913			1,755,065
Fair value of unearned shares	$	11,742		$	12,187

Profit Sharing Plan/401(k) Plan. The Company has a defined contribution plan (“profit sharing plan”) covering all of its eligible employees. Employees are eligible to participate in the profit sharing plan after attainment of age 21 and completion of one year of service. The Company provides a match of $0.50 on each $1.00 of contribution up to 6% of eligible compensation beginning April 1, 2007. The Company may also contribute an additional amount annually at the discretion of the Board of Directors. Contributions totaling $308,000, $348,000, and $346,000 were made for the years ended December 31, 2015, 2014 and 2013, respectively.

Equity Incentive Plans (Notes)

12 Months Ended

Dec. 31, 2015

Disclosure of Compensation Related Costs, Share-based Payments [Abstract]

Equity Incentive Plans

On June 27, 2006, the Company’s stockholders approved the BankFinancial Corporation 2006 Equity Incentive Plan, which authorized the Human Resources Committee of the Board of Directors of the Company to grant a variety of cash- and equity-based incentive awards, including stock options, stock appreciation rights, restricted stock, performance shares and other incentive awards, to employees and directors aggregating up to 3,425,275 shares of the Company’s common stock.

The Human Resources Committee may grant stock options to purchase shares of the Company’s common stock to certain employees and directors of the Company. The exercise price for the stock options is the fair market value of the common stock on the dates of the grants.

The fair value of each option award is estimated on the date of grant using a closed form option valuation (Black-Scholes) model that uses the assumptions noted in the table below. The risk-free interest rate was determined using the yield available on the option grant date for a zero-coupon U.S. Treasury security with a term equivalent to the expected life of the option. The expected life for options granted represents the period the option is expected to be outstanding and was determined by applying the simplified method as allowed by SAB 107. The expected volatility for options issued in 2015 was determined using the Company’s historical data. Estimated forfeitures were assumed to be zero due to the lack of historical experience for the Company. During 2015, the Company awarded a total of 1,752,156 stock options to officers and directors.

The Company estimated the grant date fair value of options awarded in 2015 using Black-Scholes Option-Pricing model with the following assumptions:



	2015 Assumptions
Risk-free interest rate	0.60	%
Expected option life (years)	1.27
Expected stock price volatility	17.28	%
Dividend yield	1.299	%

The stock options generally vest annually over a one year period; vesting is subject to acceleration in certain circumstances. The stock options will expire if not exercised within two years from the date of grant. The Company recognized $568,000 of stock-based compensation expenses relating to the granting of stock options for the year ended December 31, 2015. There was no expense for the years ended December 31, 2014 and 2013. As of December 31, 2014, there were no stock options outstanding. There are 694,469 stock options available for grant at December 31, 2015.

A summary of the activity in the stock option plan for 2015 follows:



Stock Options	Number of Shares	Weighted Average Exercise Price		Weighted Average Remaining Contractual Term (in years)	Aggregate Intrinsic Value ⁽¹⁾
Stock options outstanding at December 31, 2014	—	$	—		$	—
Stock options granted	1,752,156	12.30
Stock options exercised	—	—
Stock options expired	—	—
Stock options forfeited	—	—
Stock options outstanding at December 31, 2015	1,752,156	$	12.30	1.48	778
Stock options exercisable at December 31, 2015	607,849	12.30		1.48	389
Fully vested and expected to vest	607,849	12.30		1.48	389

(1) Stock option aggregate intrinsic value represents the number of shares subject to options multiplied by the difference (if positive) in the closing market price of the common stock underlying the options on the date shown and the weighted average exercise price.

The weighted average fair value of the options granted is $0.88 per option. As of December 31, 2015, there was $980,000 of total unrecognized compensation cost related to the nonvested stock options granted under the Plan. The cost is expected to be recognized in 2016.

The Human Resources Committee of the Board of Directors may grant shares of restricted stock to certain employees and directors of the Company. The awards generally vest annually over varying periods from three to five years and vesting is subject to acceleration in certain circumstances. The cost of such awards will be accrued ratably as compensation expense over such respective periods based on expected vesting dates. The Company recognized $70,000, $70,000, and $86,000 of expenses relating to the grant of shares of restricted stock during the years ended December 31, 2015, 2014 and 2013, respectively. As of December 31, 2015, the total unrecognized compensation cost related to unvested shares of restricted stock was $11,000. The cost is expected to be recognized over a weighted average period of 5.2 months. There are 103,800 shares of restricted stock available for grant at December 31, 2015.



Restricted Stock	Number of Shares ⁽¹⁾		Weighted Average Fair Value at Grant Date		Weighted Average Term to Vest (in years)	Aggregate Intrinsic Value ⁽²⁾
Shares outstanding at January 1, 2014	25,750		$	8.14	1.27	$	236
Shares granted	—		—
Shares vested	(8,928	)	—
Shares forfeited	—		—
Shares outstanding at December 31, 2014	16,822		$8.14		0.44	$	199
Shares granted	—		—
Shares vested	(8,888	)	—
Shares forfeited	—		—
Shares outstanding at December 31, 2015	7,934		$	8.14	0.31	$	100


(1)	The end of period balances consist only of unvested shares.


(2)	Restricted stock aggregate intrinsic value represents the number of shares of restricted stock multiplied by the market price of the common stock underlying the outstanding shares on the date shown.

Loan Commitments and Other Off-balance Sheet Activities (Notes)

12 Months Ended

Dec. 31, 2015

Commitments and Contingencies Disclosure [Abstract]

Loan Commitments and Other Off-Balance Sheet Activities

The Company is party to various financial instruments with off-balance-sheet risk. The Company uses these financial instruments in the normal course of business to meet the financing needs of customers and to effectively manage exposure to interest rate risk. These financial instruments include commitments to extend credit, standby letters of credit, unused lines of credit, and commitments to sell loans. When viewed in terms of the maximum exposure, those instruments may involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated statements of financial condition. Credit risk is the possibility that a counterparty to a financial instrument will be unable to perform its contractual obligations. Interest rate risk is the possibility that, due to changes in economic conditions, the Company’s net interest income will be adversely affected.

The following is a summary of the contractual or notional amount of each significant class of off-balance-sheet financial instruments outstanding. The Company’s exposure to credit loss in the event of nonperformance by the counterparty for commitments to extend credit, standby letters of credit, and unused lines of credit is represented by the contractual notional amount of these instruments.

The contractual or notional amounts are as follows:



	December 31,
	2015		2014
Financial instruments wherein contractual amounts represent credit risk
Commitments to extend credit	$	52,322	$	30,477
Standby letters of credit	1,075		1,095
Unused lines of credit	126,333		109,580
Commitments to sell mortgages	64		—

Commitments to extend credit are generally made for periods of 60 days or less. The fixed-rate loans commitment totaled $29.4 million with interest rates ranging from 2.25% to 6.65% and maturities ranging from 1.5 to 30 years.

Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if it is deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the customers.

The Bank, as a member of Visa USA, received 51,404 unrestricted shares of Visa, Inc. Class B common stock in connection with Visa, Inc.’s initial public offering in 2007, and 32,398 additional shares of Class B common stock, due to a stock split, that were deposited into a litigation escrow that Visa, Inc. established under its retrospective responsibility plan. The retroactive responsibility plan obligates all former Visa USA members to indemnify Visa USA, in proportion to their equity interests in Visa USA, for certain litigation losses and expenses, including settlement expenses, for the lawsuits covered by the retrospective responsibility plan. The primary method for discharging the indemnification obligations under the retrospective responsibility plan is a reduction of the ratio at which the Visa, Inc. Class B shares held in the litigation escrow can be converted into publicly traded Class A common shares of Visa, Inc. Due to the restrictions that the retrospective responsibility plan imposes on the Company’s Visa, Inc. Class B shares, the Company has not recorded the Class B shares as an asset.

Fair Value (Notes)

12 Months Ended

Dec. 31, 2015

Fair Value Disclosures [Abstract]

Fair Value

Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values:


•	Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.


•	Level 2 – Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.


•	Level 3 – Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.

The Company used the following methods and significant assumptions to estimate the fair value of each type of financial instrument:

Securities: The fair values of marketable equity securities are generally determined by quoted prices, in active markets, for each specific security (Level 1). If Level 1 measurement inputs are not available for a marketable equity security, we determine its fair value based on the quoted price of a similar security traded in an active market (Level 2). The fair values of debt securities are generally determined by matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities, but rather by relying on the securities’ relationship to other benchmark quoted securities (Level 2).

Impaired Loans: The fair value of impaired loans with specific allocations of the allowance for loan losses is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available for similar loans and collateral underlying such loans. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, resulting in a Level 3 fair value classification. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted in accordance with the allowance policy.

Other Real Estate Owned: Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals which are updated no less frequently than annually. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach with data from comparable properties. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Real estate owned properties are evaluated on a quarterly basis for additional impairment and adjusted accordingly.

Mortgage Servicing Rights: On a quarterly basis, loan servicing rights are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. The fair values of mortgage servicing rights are based on a valuation model that calculates the present value of estimated net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income. The Company is able to compare the valuation model inputs and results to widely available published industry data for reasonableness (Level 2).

The following table sets forth the Company’s financial assets that were accounted for at fair value and are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.



	Fair Value Measurements Using
	Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Fair Value
December 31, 2015
Securities:
Certificates of deposit	$	—	$	87,901	$	—	$	87,901
Equity mutual fund	507		—		—		507
Mortgage-backed securities – residential	—		19,180		—		19,180
Collateralized mortgage obligations – residential	—		7,142		—		7,142
SBA-guaranteed loan participation certificates	—		23		—		23
	$	507	$	114,246	$	—	$	114,753
December 31, 2014
Securities:
Certificates of deposit	$	—	$	86,049	$	—	$	86,049
Equity mutual fund	509		—		—		509
Mortgage-backed securities - residential	—		24,611		—		24,611
Collateralized mortgage obligations – residential	—		9,976		—		9,976
SBA-guaranteed loan participation certificates	—		29		—		29
	$	509	$	120,665	$	—	$	121,174

The following table sets forth the Company’s assets that were measured at fair value on a non-recurring basis:



	Fair Value Measurement Using
	Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Fair Value
December 31, 2015
Impaired loans:
Multi-family mortgage	$	—	$	—	$	477	$	477
Nonresidential real estate	—		—		36		36
Impaired loans	$	—	$	—	$	513	$	513
Other real estate owned:
One–to–four family residential real estate	$	—	$	—	$	42	$	42
Multi-family mortgage	—		—		354		354
Nonresidential real estate	—		—		474		474
Land	—		—		794		794
Other real estate owned	$	—	$	—	$	1,664	$	1,664

Mortgage servicing rights	$	—	$	281	$	—	$	281

December 31, 2014
Impaired loans:
One–to–four family residential real estate	$	—	$	—	$	70	$	70
Multi-family mortgage	—		—		1,905		1,905
Nonresidential real estate	—		—		2,369		2,369
Impaired loans	$	—	$	—	$	4,344	$	4,344
Other real estate owned:
One–to–four family residential real estate	$	—	$	—	$	55	$	55
Multi-family mortgage	—		—		1,265		1,265
Nonresidential real estate	—		—		126		126
Land	—		—		753		753
Other real estate owned	$	—	$	—	$	2,199	$	2,199

Mortgage servicing rights	$	—	$	160	$	—	$	160

Impaired loans, which are measured for impairment using the fair value of the collateral for collateral–dependent loans, had a carrying amount of $557,000, with a valuation allowance of $44,000 at December 31, 2015, compared to a carrying amount of $4.8 million and a valuation allowance of $470,000 at December 31, 2014, resulting in a decrease in the provision for loan losses of $426,000 for the year ended December 31, 2015, compared to an increase in the provision for loan losses of $95,000 for the year ended December 31, 2014.

OREO is carried at the lower of cost or fair value less costs to sell, had a carrying value of $2.5 million less a valuation allowance of $881,000, or $1.7 million, at December 31, 2015, compared to $3.0 million less a valuation allowance of $803,000, or $2.2 million at December 31, 2014. There were $548,000 and $438,000 of valuation allowance additions charged to expense of other real estate owned recorded for the years ended December 31, 2015 and 2014, respectively.

Mortgage servicing rights, which are carried at lower of cost or fair value, had a carrying amount of $281,000 at December 31, 2015, and $160,000 at December 31, 2014. A pretax impairment of $3,000 on our mortgage servicing rights portfolio was included in noninterest income for the year ended December 31, 2015, compared to an $8,000 impairment for the same period in 2014.

The following table presents quantitative information, based on certain empirical data with respect to Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at December 31, 2015:



	Fair Value		Valuation Technique	Unobservable Input	Range (Weighted Average)
Impaired loans
Multi-family mortgage	$	477	Sales comparison	Comparison between sales and income approaches	39.3%
			Income approach	Cap Rate	8.75%
Nonresidential real estate	36		Sales comparison	Comparison between sales and income approaches	1.2%
	$	513
Other real estate owned
One-to-four family residential real estate	42		Sales comparison	Discount applied to valuation	-0.35% to 2.8% (0.03%)
Multi-family mortgage	354		Sales comparison	Comparison between sales and income approaches	-67.74% to 10.37% (-13%)
Nonresidential real estate	474		Sales comparison	Comparison between sales and income approaches	-15.6% to 1.46% (-5%)
Land	794		Sales comparison	Discount applied to valuation	-7.7%-17.24% (6%)
	$	1,664



	Fair Value		Valuation Technique	Unobservable Input	Range (Weighted Average)
Impaired loans
One-to-four family residential real estate	$	70	Sales comparison	Discount applied to valuation	4.8%
Multi-family mortgage	1,905		Sales comparison	Comparison between sales and income approaches	-2.1%-43.7% (41%)
			Income approach	Cap Rate	9.6% to 13.8% (10%)
Nonresidential real estate	2,369		Sales comparison	Comparison between sales and income approaches	-2.1%-33.9% (24%)
			Income approach	Cap Rate	10%-11% (10%)
	$	4,344
Other real estate owned
One-to-four family residential real estate	$	55	Sales comparison	Discount applied to valuation	6.3%-7.7% (7%)
Multi-family mortgage	1,265		Sales comparison	Comparison between sales and income approaches	-6.6%-13.5% (0.4%)
Nonresidential real estate	126		Sales comparison	Comparison between sales and income approaches	32.3%
Land	753		Sales comparison	Discount applied to valuation	-21.9%-4.2% (-10%)
	$	2,199

The carrying amount and estimated fair value of financial instruments is as follows:



			Fair Value Measurements at December 31, 2015 Using:
	Carrying Amount		Level 1		Level 2		Level 3		Total
Financial assets
Cash and cash equivalents	$	59,377	$	13,192	$	46,185	$	—	$	59,377
Securities	114,753		507		114,246		—		114,753
Loans receivable, net of allowance for loan losses	1,232,257		—		1,240,791		513		1,241,304
FHLBC stock	6,257		—		—		—		N/A
Accrued interest receivable	4,226		—		4,226		—		4,226
Financial liabilities
Noninterest-bearing demand deposits	$	254,830	$	—	$	254,830	$	—	$	254,830
Savings deposits	156,752		—		156,752		—		156,752
NOW and money market accounts	578,636		—		578,636		—		578,636
Certificates of deposit	222,701		—		222,026		—		222,026
Borrowings	64,318		—		64,318		—		64,318
Accrued interest payable	39		—		39		—		39



			Fair Value Measurements at December 31, 2014 Using:
	Carrying Amount		Level 1		Level 2		Level 3		Total
Financial assets
Cash and cash equivalents	$	59,581	$	9,693	$	49,888	$	—	$	59,581
Securities	121,174		509		120,665		—		121,174
Loans receivable, net of allowance for loan losses	1,172,356		—		1,166,181		4,344		1,170,525
FHLBC stock	6,257		—		—		—		N/A
Accrued interest receivable	3,926		—		3,926		—		3,926
Financial liabilities
Noninterest-bearing demand deposits	$	134,129	$	—	$	134,129	$	—	$	134,129
Savings deposits	154,532		—		154,532		—		154,532
NOW and money market accounts	690,193		—		690,193		—		690,193
Certificates of deposit	232,859		—		232,588		—		232,588
Borrowings	12,921		—		12,908		—		12,908
Accrued interest payable	89		—		89		—		89

For purposes of the above, the following assumptions were used:

Cash and Cash Equivalents: The estimated fair values for cash and cash equivalents are based on their carrying value due to the short-term nature of these assets.

Loans: The estimated fair value for loans has been determined by calculating the present value of future cash flows based on the current rate the Company would charge for similar loans with similar maturities, applied for an estimated time period until the loan is assumed to be repriced or repaid. The methods utilized to estimate fair value of loans do not necessarily represent an exit price. The estimated fair values of loans held-for-sale are based on outstanding commitments from third party investors.

FHLBC Stock: It is not practicable to determine the fair value of FHLBC stock due to the restrictions placed on its transferability.

Deposit Liabilities: The estimated fair value for certificates of deposit has been determined by calculating the present value of future cash flows based on estimates of rates the Company would pay on such deposits, applied for the time period until maturity. The estimated fair values of noninterest-bearing demand, NOW, money market, and savings deposits are assumed to approximate their carrying values as management establishes rates on these deposits at a level that approximates the local market area. Additionally, these deposits can be withdrawn on demand.

Borrowings: The estimated fair values of advances from the FHLBC and notes payable are based on current market rates for similar financing. The estimated fair value of securities sold under agreements to repurchase is assumed to equal its carrying value due to the short-term nature of the liability.

Accrued Interest: The estimated fair values of accrued interest receivable and payable are assumed to equal their carrying value.

Off-Balance-Sheet Instruments: Off-balance-sheet items consist principally of unfunded loan commitments, standby letters of credit, and unused lines of credit. The estimated fair values of unfunded loan commitments, standby letters of credit, and unused lines of credit are not material.

While the above estimates are based on management’s judgment of the most appropriate factors, as of the balance sheet date, there is no assurance that the estimated fair values would have been realized if the assets were disposed of or the liabilities settled at that date, since market values may differ depending on the various circumstances. The estimated fair values would also not apply to subsequent dates.

In addition, other assets and liabilities that are not financial instruments, such as premises and equipment, are not included in the above disclosures.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References + Details

Company Only Condensed Financial Information (Notes)

12 Months Ended

Dec. 31, 2015

Condensed Financial Information of Parent Company Only Disclosure [Abstract]

Company Only Condensed Financial Information

Condensed financial information of BankFinancial Corporation as of December 31, 2015 and 2014 and for the three years ended December 31, 2015 follows:

Condensed Statements of Financial Condition



	December 31,
	2015		2014
Assets
Cash in subsidiary	$	15,309	$	9,724
Loan receivable from ESOP	11,799		12,791
Investment in subsidiary	183,039		192,182
Deferred tax asset	1,865		1,082
Other assets	352		342
	$	212,364	$	216,121
Liabilities and Stockholders' Equity
Total stockholders’ equity	$	212,364	$	216,121

Condensed Statements of Operations



	For the years ended December 31,
	2015			2014			2013
Interest income	$	544		$	584		$	623
Dividends from subsidiary	19,710			—			—
Other expense	1,536			1,451			1,473
Income (loss) before income tax and undistributed subsidiary income	18,718			(867		)	(850		)
Income tax benefit	(783		)	(1,082		)	—
Income (loss) before equity in undistributed subsidiary income	19,501			215			(850		)
Equity in undistributed subsidiary excess distributions	(10,826		)	40,399			4,148
Net income	$	8,675		$	40,614		$	3,298

Condensed Statements of Cash Flows



	For the years ended December 31,
	2015			2014			2013
Cash flows from operating activities
Net income	$	8,675		$	40,614		$	3,298
Adjustments:
Equity in undistributed subsidiary excess distributions	10,826			(40,399		)	(4,148		)
Change in other assets	(793		)	(1,172		)	373
Change in accrued expenses and other liabilities	—			(23		)	2
Net cash from (used in) operating activities	18,708			(980		)	(475		)
Cash flows from investing activities
Principal payments received on ESOP loan	992			951			912
Net cash from investing activities	992			951			912
Cash flows from financing activities
Repurchase and retirement of common stock	(9,970		)	—			—
Cash dividends paid on common stock	(4,145		)	(1,688		)	(844		)
Net cash used in financing activities	(14,115		)	(1,688		)	(844		)
Net change in cash in subsidiary	5,585			(1,717		)	(407		)
Beginning cash in subsidiary	9,724			11,441			11,848
Ending cash in subsidiary	$	15,309		$	9,724		$	11,441

Selected Quarterly Financial Data (unaudited) (Notes)

12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Quarterly Financial Information Disclosure [Abstract]

Selected Quarterly Financial Data (unaudited)

The Company recorded net income of $2.1 million, or $0.11 per common share, for the fourth quarter of 2015. The Company’s net interest income before provision for loan losses increased to $11.7 million due to stronger loan originations and improved asset quality. The Company’s fourth quarter 2015 operating results included a $1.0 million recovery of loan losses. The primary reasons for this decrease was the growth in our loan portfolio focused on loan types with lower loss ratios based on our historical loss experience, and improvements in the historical loan loss factors that occurred as the losses incurred in earlier periods aged and thus were either eliminated from the calculation or assigned a lower weight. Noninterest expense included $522,000 of nonperforming asset management and OREO expense.



	For the year ended December 31, 2015
	First Quarter			Second Quarter			Third Quarter			Fourth Quarter
Interest income	$	12,211		$	12,193		$	12,147		$	12,411
Interest expense	686			691			699			738
Net interest income	11,525			11,502			11,448			11,673
Recovery of loan losses	(724		)	(488		)	(956		)	(1,038		)
Net interest income	12,249			11,990			12,404			12,711
Noninterest income	1,536			1,689			1,709			1,757
Noninterest expense	10,513			10,031			10,232			11,169
Income before income taxes	3,272			3,648			3,881			3,299
Income tax expense	1,286			1,424			1,532			1,183
Net income	$	1,986		$	2,224		$	2,349		$	2,116
Basic earnings per common share	$	0.10		$	0.11		$	0.12		$	0.11
Diluted earnings per common share	$	0.10		$	0.11		$	0.12		$	0.11



	For the year ended December 31, 2014
	First Quarter		Second Quarter		Third Quarter			Fourth Quarter
Interest income	$	12,086	$	12,482	$	12,368		$	12,413
Interest expense	812		774		746			714
Net interest income	11,274		11,708		11,622			11,699
Provision for (recovery of) loan losses	476		957		(1,413		)	(756		)
Net interest income	10,798		10,751		13,035			12,455
Noninterest income	1,532		1,660		1,748			1,769
Noninterest expense	11,371		10,982		11,157			10,941
Income before income taxes	959		1,429		3,626			3,283
Income tax expense (benefit)	17		25		36			(31,395		)
Net income	$	942	$	1,404	$	3,590		$	34,678
Basic earnings per common share	$	0.05	$	0.07	$	0.17		$	1.72
Diluted earnings per common share	$	0.05	$	0.07	$	0.17		$	1.72

The Company recorded net income of $34.7 million, or $1.72 per common share, for the fourth quarter of 2014. The Company’s fourth quarter 2014 operating results include a full recovery of the deferred tax valuation allowance of $35.1 million. The Company’s net interest income before provision for loan losses increased to $11.7 million due to stronger loan originations and improved asset quality. The Company’s fourth quarter 2014 operating results included a $756,000 recovery of loan losses. Noninterest expense included $467,000 of nonperforming asset management and OREO expense.

Summary of Significant Accounting Policies (Policies)

12 Months Ended

Dec. 31, 2015

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Basis of Presentation

Principles of Consolidation

Use of Estimates

Cash Flows

Interest-bearing Deposits in Other Financial Institutions: Interest-bearing deposits in other financial institutions maturing in less than 90 days are carried at cost.

Securities

Federal Home Loan Bank Stock

Loans Held-for-Sale

Loans And Loan Income

Impaired Loans

Purchased Impaired Loans

Troubled Debt Restructurings

Allowance for Loan Losses


•	specific allowances established for any impaired residential non-owner occupied mortgage, multi-family mortgage, nonresidential real estate, construction and land, commercial, and commercial lease loans for which the recorded investment in the loan exceeds the measured value of the loan; and

•

Uncollected Interest, Policy [Policy Text Block]

Except for purchased impaired loans, when a loan is on non-accrual status and the ultimate collectability of the total principal of an impaired loan is in doubt, all payments are applied to principal under the cost recovery method. Alternatively, when a loan is on non-accrual status but there is doubt concerning only the ultimate collectability of interest, contractual interest is credited to interest income only when received, under the cash basis method pursuant to the provisions of FASB ASC 310–10, as applicable. In all cases, the average balances are calculated based on the month–end balances of the financing receivables within the period reported pursuant to the provisions of FASB ASC 310–10, as applicable.

Mortgage Servicing Rights

Other Real Estate Owned

Premises and Equipment

Goodwill and Other Intangible Assets

Bank Owned Life Insurance

Long-Term Assets

Loan Commitments and Related Financial Instruments

Income Taxes

Retirement Plans

Employee Stock Ownership Plan (ESOP)

Earnings (Loss) Per Common Share

Loss Contingencies

Restrictions on Cash

Restrictions on Cash: Cash on hand or on deposit with the Federal Reserve Bank which is required to meet regulatory reserve and clearing requirements.

Fair Value of Financial Instruments

Comprehensive Income (Loss)

Stock-based Compensation

Transfers of Financial Assets

Operating Segments

Reclassifications

Reclassifications: Certain reclassifications have been made in the prior year’s financial statements to conform to the current year’s presentation.

Recent Accounting Pronouncements

Summary of Significant Accounting Policies Uncollected interest policy (Policies)	12 Months Ended
	Dec. 31, 2015
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Uncollected Interest, Policy [Policy Text Block]	Except for purchased impaired loans, when a loan is on non-accrual status and the ultimate collectability of the total principal of an impaired loan is in doubt, all payments are applied to principal under the cost recovery method. Alternatively, when a loan is on non-accrual status but there is doubt concerning only the ultimate collectability of interest, contractual interest is credited to interest income only when received, under the cash basis method pursuant to the provisions of FASB ASC 310–10, as applicable. In all cases, the average balances are calculated based on the month–end balances of the financing receivables within the period reported pursuant to the provisions of FASB ASC 310–10, as applicable.

Earnings (Loss) Per Share (Tables)

12 Months Ended

Dec. 31, 2015

Earnings Per Share [Abstract]

Reconciliation of Basic and Diluted Earnings Per Share



	For the years ended December 31,
	2015			2014			2013
Net income available to common stockholders	$	8,675		$	40,614		$	3,298
Average common shares outstanding	20,708,775			21,101,966			21,091,399
Less:
Unearned ESOP shares	(780,227		)	(905,235		)	(1,054,140		)
Unvested restricted stock shares	(10,545		)	(19,460		)	(16,421		)
Weighted average common shares outstanding	19,918,003			20,177,271			20,020,838
Add - Net effect of dilutive stock options and unvested restricted stock	3,516			9,105			4,483
Weighted average dilutive common shares outstanding	19,921,519			20,186,376			20,025,321
Basic earnings per common share	$	0.44		$	2.01		$	0.16
Diluted earnings per common share	$	0.44		$	2.01		$	0.16
Number of antidilutive stock options excluded from the diluted earnings per share calculation	536,459			—			—
Weighted average exercise price of anti-dilutive option shares	$	12.99		$	—		$	—

Securities (Tables)

12 Months Ended

Dec. 31, 2015

Investments, Debt and Equity Securities [Abstract]

Unrealized gains and losses recognized in accumulated other comprehensive income (loss)

The fair value of securities and the related gross unrealized gains and losses recognized in accumulated other comprehensive income is as follows:



	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Fair Value
December 31, 2015
Certificates of deposit	$	87,901	$	—	$	—		$	87,901
Equity mutual fund	500		7		—			507
Mortgage-backed securities - residential	18,330		880		(30		)	19,180
Collateralized mortgage obligations - residential	7,111		41		(10		)	7,142
SBA-guaranteed loan participation certificates	23		—		—			23
	$	113,865	$	928	$	(40	)	$	114,753
December 31, 2014
Certificates of deposit	$	86,049	$	—	$	—		$	86,049
Equity mutual fund	500		9		—			509
Mortgage-backed securities - residential	23,433		1,218		(40		)	24,611
Collateralized mortgage obligations - residential	9,936		53		(13		)	9,976
SBA-guaranteed loan participation certificates	29		—		—			29
	$	119,947	$	1,280	$	(53	)	$	121,174

Amortized cost and fair values of securities

Sales of securities were as follows:



	For the years ended December 31,
	2015		2014		2013
Proceeds	$	—	$	3,663	$	—
Gross gains	—		—		—
Gross losses	—		7		—



	December 31, 2015
	Amortized Cost		Fair Value
Due in one year or less	$	87,901	$	87,901
Equity mutual fund	500		507
Mortgage-backed securities - residential	18,330		19,180
Collateralized mortgage obligations - residential	7,111		7,142
SBA-guaranteed loan participation certificates	23		23
	$	113,865	$	114,753

Securities with unrealized losses

Securities with unrealized losses at December 31, 2015 and 2014 not recognized in income are as follows:



	Less than 12 Months				12 Months or More					Total
	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss			Fair Value		Unrealized Loss
December 31, 2015
Mortgage-backed securities - residential	$	—	$	—	$	1,724	$	(30	)	$	1,724	$	(30	)
Collateralized mortgage obligations - residential	—		—		1,299		(10		)	1,299		(10		)
	$	—	$	—	$	3,023	$	(40	)	$	3,023	$	(40	)

December 31, 2014
Mortgage-backed securities - residential	—		—		2,126		(40		)	2,126		(40		)
Collateralized mortgage obligations - residential	—		—		1,847		(13		)	1,847		(13		)
	$	—	$	—	$	3,973	$	(53	)	$	3,973	$	(53	)

- Definition

Tabular disclosure of available-for-sale securities which includes, but is not limited to, changes in the cost basis and fair value, fair value and gross unrealized gain (loss), fair values by type of security, contractual maturity and classification, amortized cost basis, contracts to acquire securities to be accounted for as available-for-sale, debt maturities, transfers to trading, change in net unrealized holding gain (loss) net of tax, continuous unrealized loss position fair value, aggregate losses qualitative disclosures, other than temporary impairment (OTTI) losses or other disclosures related to available for sale securities.

+ References + Details

Loans Receivable (Tables)

12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Receivables [Abstract]

Loans receivable

Loans receivable are as follows:



	December 31,
	2015			2014
One-to-four family residential real estate	$	159,501		$	180,337
Multi-family mortgage	506,026			480,349
Nonresidential real estate	226,735			234,500
Construction and land	1,313			1,885
Commercial loans	79,516			66,882
Commercial leases	265,405			217,143
Consumer	1,831			2,051
	1,240,327			1,183,147
Net deferred loan origination costs	1,621			1,199
Allowance for loan losses	(9,691		)	(11,990		)
Loans, net	$	1,232,257		$	1,172,356

Allowance for loan losses and the loans receivable by portfolio segment

The following tables present the balance in the allowance for loan losses and the loans receivable by portfolio segment and based on impairment method:



	Allowance for loan losses						Loan Balances
	Individually evaluated for impairment		Collectively evaluated for impairment		Total		Individually evaluated for impairment		Collectively evaluated for impairment		Total
December 31, 2015
One-to-four family residential real estate	$	—	$	1,704	$	1,704	$	2,672	$	156,829	$	159,501
Multi-family mortgage	41		3,569		3,610		2,879		503,147		506,026
Nonresidential real estate	3		2,579		2,582		2,099		224,636		226,735
Construction and land	—		43		43		—		1,313		1,313
Commercial loans	—		654		654		—		79,516		79,516
Commercial leases	—		1,073		1,073		—		265,405		265,405
Consumer	—		25		25		—		1,831		1,831
	$	44	$	9,647	$	9,691	$	7,650	$	1,232,677	1,240,327
Net deferred loan origination costs											1,621
Allowance for loan losses											(9,691		)
Loans, net											$	1,232,257



	Allowance for loan losses						Loan Balances
	Individually evaluated for impairment		Collectively evaluated for impairment		Total		Individually evaluated for impairment		Collectively evaluated for impairment		Total
December 31, 2014
One-to-four family residential real estate	$	8	$	2,140	$	2,148	$	4,174	$	176,163	$	180,337
Multi-family mortgage	226		4,979		5,205		5,282		475,067		480,349
Nonresidential real estate	236		2,704		2,940		4,690		229,810		234,500
Construction and land	—		80		80		—		1,885		1,885
Commercial loans	—		554		554		76		66,806		66,882
Commercial leases	—		1,009		1,009		—		217,143		217,143
Consumer	—		54		54		—		2,051		2,051
	$	470	$	11,520	$	11,990	$	14,222	$	1,168,925	1,183,147
Net deferred loan origination costs											1,199
Allowance for loan losses											(11,990		)
Loans, net											$	1,172,356

Allowance for loan losses

Activity in the allowance for loan losses is as follows:



	For the years ended December 31,
	2015			2014			2013
Beginning balance	$	11,990		$	14,154		$	18,035
Loans charged off:
One-to-four family residential real estate	(386		)	(873		)	(1,505		)
Multi-family mortgage	(198		)	(1,230		)	(1,832		)
Nonresidential real estate	(391		)	(1,727		)	(577		)
Construction and land	—			(1		)	(943		)
Commercial loans	(152		)	(123		)	(425		)
Commercial leases	—			(8		)	—
Consumer	(16		)	(12		)	(55		)
	(1,143		)	(3,974		)	(5,337		)
Recoveries:
One-to-four family residential real estate	702			418			447
Multi-family mortgage	182			100			236
Nonresidential real estate	509			423			519
Construction and land	44			377			463
Commercial loans	611			1,225			470
Commercial leases	1			—			—
Consumer	1			3			8
	2,050			2,546			2,143
Net recoveries (charge-off)	907			(1,428		)	(3,194		)
Recovery of loan losses	(3,206		)	(736		)	(687		)
Ending balance	$	9,691		$	11,990		$	14,154

Loans Individually Evaluated For Impairment By Class Loans

The following tables present loans individually evaluated for impairment by class of loans:



	Loan Balance		Recorded Investment		Partial Charge-off		Allowance for Loan Losses Allocated		Average Investment in Impaired Loans		Interest Income Recognized
December 31, 2015
With no related allowance recorded
One-to-four family residential real estate	$	3,203	$	2,637	$	637	$	—	$	2,708	$	24
One-to-four family residential real estate - non-owner occupied	23		21		2		—		859		—
Multi-family mortgage	1,863		1,837		—		—		1,962		78
Wholesale commercial lending	511		507		—		—		514		34
Nonresidential real estate	2,066		2,049		—		—		1,877		102
	7,666		7,051		639		—		7,920		238
With an allowance recorded
Multi-family mortgage	518		518		—		41		1,181		—
Nonresidential real estate	62		39		27		3		1,439		—
	580		557		27		44		2,620		—
	$	8,246	$	7,608	$	666	$	44	$	10,540	$	238



	Loan Balance		Recorded Investment		Partial Charge-off		Allowance for Loan Losses Allocated		Average Investment in Impaired Loans		Interest Income Recognized
December 31, 2014
With no related allowance recorded
One-to-four family residential real estate	$	3,246	$	2,656	$	649	$	—	$	2,777	$	44
One-to-four family residential real estate - non-owner occupied	1,481		1,425		57		—		745		76
Multi-family mortgage	3,174		2,593		481		—		3,419		120
Wholesale commercial lending	519		513		—		—		401		—
Nonresidential real estate	2,118		2,068		6		—		4,175		72
Commercial loans - secured	76		76		—		—		93		3
	10,614		9,331		1,193		—		11,610		315
With an allowance recorded
One-to-four family residential real estate - non-owner occupied	115		78		37		8		202		—
Multi-family mortgage	2,713		2,131		624		226		2,343		48
Nonresidential real estate	2,950		2,605		326		236		1,718		67
	5,778		4,814		987		470		4,263		115
	$	16,392	$	14,145	$	2,180	$	470	$	15,873	$	430

Carrying Amount Of Purchased Impaired Loans

The carrying amount of these purchased impaired loans is as follows:



	December 31,
	2015		2014
One–to–four family residential real estate	$	—	$	52
Nonresidential real estate	—		—
Commercial loans	—		—
Outstanding balance	$	—	$	52
Carrying amount, net of allowance (None at December 31, 2014, $5 at December 31, 2013)	$	—	$	—

Accretable Yield Or Income Expected To Be Collected Related To Purchased Impaired Loans

Accretable yield, or income expected to be collected, related to purchased impaired loans is as follows:



	For the years ended December 31,
	2015			2014
Beginning balance	$	37		$	196
Disposals	—			—
Reclassifications from nonaccretable difference	(1		)	35
Accretion of income	36			194
Ending balance	$	—		$	37

Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period

Purchased impaired loans for which it was probable at the date of acquisition that all contractually required payments would not be collected are as follows:



	December 31,
	2015		2014
Contractually required payments receivable of loans purchased
One-to-four family residential real estate	$	82	$	832
Nonresidential real estate	—		1,999
Commercial loans	—		222
	$	82	$	3,053

Schedule of Financing Receivables, Non Accrual Status

The following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans:



	Loan Balance		Recorded Investment		Loans Past Due Over 90 Days, still accruing
December 31, 2015
One-to-four family residential real estate	$	2,704	$	2,263	$	—
One-to-four family residential real estate – non owner occupied	92		192		—
Multi-family mortgage	829		821		—
Nonresidential real estate	324		296		—
	$	3,949	$	3,572	$	—
December 31, 2014
One-to-four family residential real estate	$	4,793	$	4,210	$	—
One-to-four family residential real estate – non owner occupied	291		198		—
Multi-family mortgage	5,638		4,481		—
Nonresidential real estate	4,023		3,245		—
Commercial loans – secured	76		76		—
Consumer loans	3		3		—
	$	14,824	$	12,213	$	—

Past Due Financing Receivables

The following tables present the aging of the recorded investment in past due loans at December 31, 2015 by class of loans:



	30-59 Days Past Due		60-89 Days Past Due		90 Days or Greater Past Due		Total Past Due		Loans Not Past Due		Total
One-to-four family residential real estate	$	2,000	$	572	$	1,997	$	4,569	$	109,893	$	114,462
One-to-four family residential real estate - non-owner occupied	299		164		192		655		43,557		44,212
Multi-family mortgage - Illinois	651		283		821		1,755		312,620		314,375
Multi-family mortgage - Other	—		—		—		—		188,178		188,178
Nonresidential real estate	—		—		296		296		223,018		223,314
Construction	—		—		—		—		21		21
Land	—		—		—		—		1,279		1,279
Commercial loans:
Regional Commercial Banking	4		150		—		154		29,890		30,044
Health Care	—		—		—		—		31,862		31,862
Direct Commercial Lessor	—		—		—		—		17,873		17,873
Commercial leases:					—
Investment rated commercial leases	50		363		—		413		170,859		171,272
Other commercial leases	—		—		—		—		95,800		95,800
Consumer	21		—		—		21		1,819		1,840
Total	$	3,025	$	1,532	$	3,306	$	7,863	$	1,226,669	$	1,234,532

The following tables present the aging of the recorded investment in past due loans as December 31, 2014 by class of loans:



	30-59 Days Past Due		60-89 Days Past Due		Greater than 90 Days Past Due		Total Past Due		Loans Not Past Due		Total
One-to-four family residential real estate	$	1,415	$	276	$	3,844	$	5,535	$	126,054	$	131,589
One-to-four family residential real estate - non-owner occupied	320		165		198		683		47,350		48,033
Multi-family mortgage	2,314		1,187		3,363		6,864		328,516		335,380
Wholesale commercial lending	—		—		—		—		141,052		141,052
Nonresidential real estate	376		444		3,245		4,065		227,078		231,143
Construction	—		—		—		—		63		63
Land	—		—		—		—		1,814		1,814
Commercial loans:
Regional Commercial Banking	—		1		76		77		24,777		24,854
Health Care	—		—		—		—		24,799		24,799
Direct Commercial Lessor	—		—		—		—		17,380		17,380
Commercial leases:					—
Investment rated commercial leases	426		—		—		426		160,830		161,256
Other commercial leases	144		—		—		144		57,098		57,242
Consumer	18		1		3		22		2,038		2,060
	$	5,013	$	2,074	$	10,729	$	17,816	$	1,158,849	$	1,176,665

Troubled Debt Restructurings on Financing Receivables

The following table presents loans classified as TDRs:



	December 31,
	2015		2014
One-to-four family residential real estate	$	1,385	$	1,917
Multi-family mortgage	1,119		510
Accrual troubled debt restructured loans	2,504		2,427
One-to-four family residential real estate	174		230
Multi-family mortgage	—		346
Nonaccrual troubled debt restructured loans	174		576
	$	2,678	$	3,003

Loans By Class Modified As Troubled Debt Restructuring On Financing Receivables

The following tables present TDRs that occurred during the year:



	For the years ended December 31,
	2015					2014
	Number of loans	Pre- Modification outstanding recorded investment		Post- Modification outstanding recorded investment		Number of loans	Pre- Modification outstanding recorded investment		Post- Modification outstanding recorded investment
One-to-four family residential real estate	6	$	401	$	274	4	$	485	$	444
Multi-family mortgage	1	615		615		—	—		—
Commercial loans - secured	—	—		—		1	210		5
	7	$	1,016	$	889	5	$	695	$	449



	Due to reduction in interest rate		Due to extension of maturity date		Due to permanent reduction in recorded investment		Total
For the year ended December 31, 2015
One-to-four family residential real estate	$	—	$	142	$	132	$	274
Multi-family mortgage	—		615		—		615
	$	—	$	757	$	132	$	889
For the year ended December 31, 2014
One-to-four family residential real estate	$	19	$	373	$	52	$	444
Commercial loans - secured	—		—		5		5
	$	19	$	373	$	57	$	449

Loans By Class Modified As Troubled Debt Restructurings With Payment Default

The following table presents TDRs for which there was a payment default within twelve months following the modification:



	For the years ended December 31,
	2015			2014
	Number of loans	Recorded investment		Number of loans	Recorded investment
One-to-four family residential real estate	2	$	43	2	$	78

Financing Receivable Credit Quality Indicators

As of December 31, 2015, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:



	Pass		Special Mention		Substandard		Nonaccrual		Total
One-to-four family residential real estate	$	112,449	$	—	$	576	$	1,936	$	114,961
One-to-four family residential real estate - non-owner occupied	43,858		219		271		192		44,540
Multi-family mortgage - Illinois	312,329		344		4,656		828		318,157
Multi-family mortgage - Other	187,358		—		511		—		187,869
Nonresidential real estate	219,859		1,600		4,981		295		226,735
Construction	21		—		—		—		21
Land	450		—		842		—		1,292
Commercial loans:
Regional commercial banking	29,377		—		614		—		29,991
Health care	31,809		—		—		—		31,809
Direct commercial lessor	17,716		—		—		—		17,716
Commercial leases:
Investment rated commercial leases	170,100		—		—		—		170,100
Other commercial leases	95,305		—		—		—		95,305
Consumer	1,831		—		—		—		1,831
	$	1,222,462	$	2,163	$	12,451	$	3,251	$	1,240,327

As of December 31, 2014, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:



	Pass		Special Mention		Substandard		Nonaccrual		Total
One-to-four family residential real estate	$	126,102	$	615	$	1,046	$	4,228	$	131,991
One-to-four family residential real estate - non-owner occupied	46,253		931		964		198		48,346
Multi-family mortgage - Illinois	330,878		609		3,430		4,515		339,432
Multi-family mortgage - Other	140,398		—		519		—		140,917
Nonresidential real estate	223,385		1,170		6,698		3,247		234,500
Construction	60		—		—		—		60
Land	1,212		—		613		—		1,825
Commercial loans:
Regional commercial banking	23,978		40		705		76		24,799
Health care	24,770		—		—		—		24,770
Direct commercial lessor	17,313		—		—		—		17,313
Commercial leases:
Investment rated commercial leases	160,208		—		—		—		160,208
Other commercial leases	56,935		—		—		—		56,935
Consumer	2,048		—		—		3		2,051
	$	1,153,540	$	3,365	$	13,975	$	12,267	$	1,183,147

Other Real Estate (Tables)

12 Months Ended

Dec. 31, 2015

Other Real Estate Owned [Abstract]

real estate owned, rollforward [Table Text Block]

The following represents the roll forward of OREO and the composition of OREO properties.



	At and For the Years Ended December 31,
	2015			2014
	(Dollars in thousands)
Beginning balance	$	6,358		$	6,306
New foreclosed properties	5,875			5,449
Valuation adjustments	(548		)	(448		)
Sales	(4,674		)	(4,949		)
Ending balance	$	7,011		$	6,358

Schedule of Real Estate Properties [Table Text Block]



	December 31, 2015							December 31, 2014
	Balance		Valuation Allowance			Net OREO Balance		Balance		Valuation Allowance			Net OREO Balance
	(Dollars in thousands)
One–to–four family residential	$	2,684	$	(63	)	$	2,621	$	1,318	$	(55	)	$	1,263
Multi-family mortgage	1,025		(74		)	951		2,530		(223		)	2,307
Nonresidential real estate	1,986		(239		)	1,747		964		(79		)	885
Land	2,358		(666		)	1,692		2,442		(539		)	1,903
	8,053		(1,042		)	7,011		7,254		(896		)	6,358

other real estate owned valuation allowance rollforward [Table Text Block]

Activity in the valuation allowance is as follows:



	At and For the Years Ended December 31,
	2015			2014
	(Dollars in thousands)
Beginning of year	$	896		$	902
Additions charged to expense	548			438
Reductions from sales of other real estate owned	(402		)	(444		)
End of year	$	1,042		$	896

Secondary Mortgage Market Activities (Tables)

12 Months Ended

Dec. 31, 2015

Mortgage Banking [Abstract]

Schedule of Servicing Assets at Amortized Value

Activity for capitalized mortgage servicing rights and the related valuation allowance was as follows.



	December 31,
	2015			2014
Servicing rights
Beginning of year	$	834		$	931
Additions	27			38
Amortized to expense	(137		)	(135		)
End of year	$	724		$	834
Valuation allowance
Beginning of year	$	13		$	5
Additions expensed	3			8
Reductions credited to expense	—			—
End of year	$	16		$	13
Carrying value of mortgage servicing rights	$	708		$	821
Fair value of mortgage servicing rights	$	815		$	1,190

Schedule of Fair Value Assumptions

Significant assumptions are as follows:



	December 31,
	2015		2014
Prepayment speed	13.92	%	13.69	%
Discount rate	12.00	%	12.00	%
Average servicing cost per loan	$60.00		$63.00
Escrow float rate	0.25	%	1.83	%

Schedule of Servicing Assets at Fair Value



Fair value of mortgage servicing rights	$	815
Weighted average annual prepayment speed	13.92		%
Decrease in fair value from 10% adverse change	(22		)
Decrease in fair value from 20% adverse change	(41		)
Weighted-average annual discount rate	12.00		%
Decrease in fair value from 10% adverse change	(28		)
Decrease in fair value from 20% adverse change	(54		)

Schedule of Finite-Lived Intangible Assets, Future Amortization Expense

The weighted average amortization period is 62 months. The estimated amortization expense for each of the next five years is as follows:



2016	$	142
2017	115
2018	92
2019	72
2020	58

Estimated amortization expense for each of the next five years is as follows:



2016	$	523
2017	496
2018	184
2019	61
2020	34

Premises and Equipment (Tables)

12 Months Ended

Dec. 31, 2015

Property, Plant, Equipment And Leases [Abstract]

Property, Plant and Equipment

Year end premises and equipment are as follows:



	December 31,
	2015			2014
Land and land improvements	$	13,594		$	13,569
Buildings and improvements	37,316			37,181
Furniture and equipment	9,693			9,487
Computer equipment	7,224			7,232
	67,827			67,469
Accumulated depreciation	(35,101		)	(33,183		)
	$	32,726		$	34,286

Schedule of Future Minimum Rental Payments and Receipts for Operating Leases

The Company has subleased some of its branch facilities and currently is entitled to receive income as follows:



2016	$	43
2017	7
	$	50

The projected minimum rental expense under existing leases, not including taxes, insurance, and maintenance, as of December 31, 2015 is as follows:



2016	$	448
2017	469
2018	479
2019	471
2020	459
Thereafter	4,708
	$	7,034

Goodwill and Core Intangible (Tables)

12 Months Ended

Dec. 31, 2015

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of Goodwill

Schedule of Finite-Lived Intangible Assets

The following table presents the changes in the carrying amount of core deposit intangible, gross carrying amount, accumulated amortization, and net book value:



	December 31,
	2015			2014
Balance at the beginning of the year	$	1,855		$	2,433
Amortization	(550		)	(578		)
Additions	—			—
Net Carrying Value	$	1,305		$	1,855
Gross carrying amount	$	5,932		$	5,932
Accumulated amortization	(4,627		)	(4,077		)
Net Carrying Value	$	1,305		$	1,855

Schedule of Finite-Lived Intangible Assets, Future Amortization Expense

The weighted average amortization period is 62 months. The estimated amortization expense for each of the next five years is as follows:



2016	$	142
2017	115
2018	92
2019	72
2020	58

Estimated amortization expense for each of the next five years is as follows:



2016	$	523
2017	496
2018	184
2019	61
2020	34

Deposits (Tables)

12 Months Ended

Dec. 31, 2015

Deposits [Abstract]

Schedule Of Deposits By Type

omposition of deposits are as follows:



	December 31,
	2015		2014
Noninterest-bearing demand deposits	$	254,830	$	134,129
Savings deposits	156,752		154,532
Money market accounts	329,654		338,246
Interest-bearing NOW accounts	248,982		351,947
Certificates of deposit	222,701		232,859
	$	1,212,919	$	1,211,713

Schedule Of Maturities For Total Time Deposits

Scheduled maturities of certificates of deposit for the next five years are as follows:



2016	$	151,545
2017	44,515
2018	15,716
2019	3,650
2020	7,275

Borrowings (Tables)

12 Months Ended

Dec. 31, 2015

Debt Disclosure [Abstract]

Schedule of Long-term Debt Instruments

Year-end borrowed funds are as follows:



	December 31,
	2015				2014
	Contractual Rate		Amount		Contractual Rate		Amount
Fixed-rate advance from FHLBC, due within 1 year	0.29	%	$	62,000	0.13	%	$	10,000
Securities sold under agreements to repurchase	0.25		2,318		0.25		2,921
	0.28	%	$	64,318	0.16	%	$	12,921

Income Taxes (Tables)

12 Months Ended

Dec. 31, 2015

Income Tax Disclosure [Abstract]

Schedule of Income Tax Expense (Benefit)

he income tax expense (benefit) is as follows:



	For the years ended December 31,
	2015		2014			2013
Current	$	346	$	363		$	—
Deferred expense (benefit)	5,079		3,437			(1,310		)
Deferred tax valuation allowance	—		(35,117		)	1,310
Total income tax expense (benefit)	$	5,425	$	(31,317	)	$	—

Schedule of Effective Income Tax Rate



	For the years ended December 31,
	2015			2014			2013
Expense computed at the statutory federal tax rate	$	4,794		$	3,161		$	1,121
State taxes and other, net	626			664			92
Tax adjustments	—			—			(2,390		)
Bank owned life insurance	(66		)	(80		)	(106		)
ESOP/Share based compensation	71			55			(27		)
Deferred tax valuation allowance	—			(35,117		)	1,310
	$	5,425		$	(31,317	)	$	—
Effective income tax rate	38.48		%	N.M.			—		%

N.M. Not Meaningful

Schedule of Deferred Assets And Liabilities

The net deferred tax asset is as follows:



	December 31,
	2015			2014
Gross Deferred tax assets
Allowance for loan losses	$	3,716		$	4,598
Alternative minimum tax, general business credit and net operating loss carryforwards	24,799			28,842
Tax deductible goodwill and core deposit intangible	1,783			2,091
Other	2,237			1,703
	32,535			37,234
Gross Deferred tax liabilities
Net deferred loan origination costs	(1,811		)	(1,587		)
Purchase accounting adjustments	(2,801		)	(2,728		)
Other	(888		)	(805		)
Unrealized gain on securities	(340		)	(471		)
	(5,840		)	(5,591		)
	$	26,695		$	31,643

Schedule of Unrecognized Tax Benefits

A reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows:



	December 31,
	2015		2014
Beginning of year	$	79	$	65
Additions based on tax positions related to the current year	—		63
Additions for tax positions of prior years	29		1
Reductions due to the statute of limitations and reductions for tax positions of prior years	—		(50		)
End of year	$	108	$	79

Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2015

Banking and Thrift [Abstract]

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations

Actual and required capital amounts and ratios were:



	Actual				Required for Capital Adequacy Purposes				To be Well-Capitalized under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
December 31, 2015
Total capital (to risk-weighted assets):
Consolidated	$	198,738	17.89	%	$	88,898	8.00	%	N/A		N/A
BankFinancial, F.S.B.	171,239		15.41		88,881		8.00		$	111,102	10.00	%
Tier 1 (core) capital (to risk-weighted assets):
Consolidated	189,044		17.01		66,674		6.00		N/A		N/A
BankFinancial, F.S.B.	161,545		14.54		66,661		6.00		88,881		8.00
Common Tier 1 (CET1)
Consolidated	189,044		17.01		50,005		4.50		N/A		N/A
BankFinancial, F.S.B.	161,545		14.54		49,996		4.50		72,216		6.50
Tier 1 (core) capital (to adjusted average total assets):
Consolidated	189,044		13.26		57,043		4.00		N/A		N/A
BankFinancial, F.S.B.	161,545		11.33		57,039		4.00		71,299		5.00
December 31, 2014
Total capital (to risk-weighted assets):
Consolidated	$	199,284	18.31	%	$	87,084	8.00	%	N/A		N/A
BankFinancial, F.S.B.	176,414		16.21		87,058		8.00		$	108,822	10.00	%
Tier 1 (core) capital (to risk-weighted assets):
Consolidated	187,290		17.21		43,542		4.00		N/A		N/A
BankFinancial, F.S.B.	164,420		15.11		43,529		4.00		65,293		6.00
Tier 1 (core) capital (to adjusted average total assets):
Consolidated	187,290		13.04		57,363		4.00		N/A		N/A
BankFinancial, F.S.B.	164,420		11.45		57,431		4.00		71,789		5.00

Employee Benefit Plans (Tables)

12 Months Ended

Dec. 31, 2015

Compensation and Retirement Disclosure [Abstract]

Schedule of Employee Stock Ownership Plan (ESOP) Disclosures

Shares held by the ESOP were as follows:



	December 31,
	2015			2014
Allocated to participants	1,027,583			929,718
Distributed to participants	(281,387		)	(202,235		)
Unearned	929,717			1,027,582
Total ESOP shares	1,675,913			1,755,065
Fair value of unearned shares	$	11,742		$	12,187

Equity Incentive Plans (Tables)

12 Months Ended

Dec. 31, 2015

Disclosure of Compensation Related Costs, Share-based Payments [Abstract]

Schedule of Stock Option Activity

As of December 31, 2014, there were no stock options outstanding. There are 694,469 stock options available for grant at December 31, 2015.

A summary of the activity in the stock option plan for 2015 follows:



Stock Options	Number of Shares	Weighted Average Exercise Price		Weighted Average Remaining Contractual Term (in years)	Aggregate Intrinsic Value ⁽¹⁾
Stock options outstanding at December 31, 2014	—	$	—		$	—
Stock options granted	1,752,156	12.30
Stock options exercised	—	—
Stock options expired	—	—
Stock options forfeited	—	—
Stock options outstanding at December 31, 2015	1,752,156	$	12.30	1.48	778
Stock options exercisable at December 31, 2015	607,849	12.30		1.48	389
Fully vested and expected to vest	607,849	12.30		1.48	389

Schedule of Unvested Shares of Restricted Stock



Restricted Stock	Number of Shares ⁽¹⁾		Weighted Average Fair Value at Grant Date		Weighted Average Term to Vest (in years)	Aggregate Intrinsic Value ⁽²⁾
Shares outstanding at January 1, 2014	25,750		$	8.14	1.27	$	236
Shares granted	—		—
Shares vested	(8,928	)	—
Shares forfeited	—		—
Shares outstanding at December 31, 2014	16,822		$8.14		0.44	$	199
Shares granted	—		—
Shares vested	(8,888	)	—
Shares forfeited	—		—
Shares outstanding at December 31, 2015	7,934		$	8.14	0.31	$	100


(1)	The end of period balances consist only of unvested shares.


(2)	Restricted stock aggregate intrinsic value represents the number of shares of restricted stock multiplied by the market price of the common stock underlying the outstanding shares on the date shown.

Loan Commitments and Other Off-balance Sheet Activities (Tables)

12 Months Ended

Dec. 31, 2015

Commitments and Contingencies Disclosure [Abstract]

Schedule of Off-balance Sheet Instruments Outstanding

The contractual or notional amounts are as follows:



	December 31,
	2015		2014
Financial instruments wherein contractual amounts represent credit risk
Commitments to extend credit	$	52,322	$	30,477
Standby letters of credit	1,075		1,095
Unused lines of credit	126,333		109,580
Commitments to sell mortgages	64		—

Fair Value (Tables)

12 Months Ended

Dec. 31, 2015

Fair Value Disclosures [Abstract]

Schedule of Company's financial instruments measured at fair values



	Fair Value Measurements Using
	Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Fair Value
December 31, 2015
Securities:
Certificates of deposit	$	—	$	87,901	$	—	$	87,901
Equity mutual fund	507		—		—		507
Mortgage-backed securities – residential	—		19,180		—		19,180
Collateralized mortgage obligations – residential	—		7,142		—		7,142
SBA-guaranteed loan participation certificates	—		23		—		23
	$	507	$	114,246	$	—	$	114,753
December 31, 2014
Securities:
Certificates of deposit	$	—	$	86,049	$	—	$	86,049
Equity mutual fund	509		—		—		509
Mortgage-backed securities - residential	—		24,611		—		24,611
Collateralized mortgage obligations – residential	—		9,976		—		9,976
SBA-guaranteed loan participation certificates	—		29		—		29
	$	509	$	120,665	$	—	$	121,174

Schedule of Company's financial instruments measured on non recurring at fair values

The following table sets forth the Company’s assets that were measured at fair value on a non-recurring basis:



	Fair Value Measurement Using
	Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Fair Value
December 31, 2015
Impaired loans:
Multi-family mortgage	$	—	$	—	$	477	$	477
Nonresidential real estate	—		—		36		36
Impaired loans	$	—	$	—	$	513	$	513
Other real estate owned:
One–to–four family residential real estate	$	—	$	—	$	42	$	42
Multi-family mortgage	—		—		354		354
Nonresidential real estate	—		—		474		474
Land	—		—		794		794
Other real estate owned	$	—	$	—	$	1,664	$	1,664

Mortgage servicing rights	$	—	$	281	$	—	$	281

December 31, 2014
Impaired loans:
One–to–four family residential real estate	$	—	$	—	$	70	$	70
Multi-family mortgage	—		—		1,905		1,905
Nonresidential real estate	—		—		2,369		2,369
Impaired loans	$	—	$	—	$	4,344	$	4,344
Other real estate owned:
One–to–four family residential real estate	$	—	$	—	$	55	$	55
Multi-family mortgage	—		—		1,265		1,265
Nonresidential real estate	—		—		126		126
Land	—		—		753		753
Other real estate owned	$	—	$	—	$	2,199	$	2,199

Mortgage servicing rights	$	—	$	160	$	—	$	160

Schedule of fair value quantitative information



	Fair Value		Valuation Technique	Unobservable Input	Range (Weighted Average)
Impaired loans
Multi-family mortgage	$	477	Sales comparison	Comparison between sales and income approaches	39.3%
			Income approach	Cap Rate	8.75%
Nonresidential real estate	36		Sales comparison	Comparison between sales and income approaches	1.2%
	$	513
Other real estate owned
One-to-four family residential real estate	42		Sales comparison	Discount applied to valuation	-0.35% to 2.8% (0.03%)
Multi-family mortgage	354		Sales comparison	Comparison between sales and income approaches	-67.74% to 10.37% (-13%)
Nonresidential real estate	474		Sales comparison	Comparison between sales and income approaches	-15.6% to 1.46% (-5%)
Land	794		Sales comparison	Discount applied to valuation	-7.7%-17.24% (6%)
	$	1,664

Carrying amount and estimated fair value of financial instruments

The carrying amount and estimated fair value of financial instruments is as follows:



			Fair Value Measurements at December 31, 2015 Using:
	Carrying Amount		Level 1		Level 2		Level 3		Total
Financial assets
Cash and cash equivalents	$	59,377	$	13,192	$	46,185	$	—	$	59,377
Securities	114,753		507		114,246		—		114,753
Loans receivable, net of allowance for loan losses	1,232,257		—		1,240,791		513		1,241,304
FHLBC stock	6,257		—		—		—		N/A
Accrued interest receivable	4,226		—		4,226		—		4,226
Financial liabilities
Noninterest-bearing demand deposits	$	254,830	$	—	$	254,830	$	—	$	254,830
Savings deposits	156,752		—		156,752		—		156,752
NOW and money market accounts	578,636		—		578,636		—		578,636
Certificates of deposit	222,701		—		222,026		—		222,026
Borrowings	64,318		—		64,318		—		64,318
Accrued interest payable	39		—		39		—		39



			Fair Value Measurements at December 31, 2014 Using:
	Carrying Amount		Level 1		Level 2		Level 3		Total
Financial assets
Cash and cash equivalents	$	59,581	$	9,693	$	49,888	$	—	$	59,581
Securities	121,174		509		120,665		—		121,174
Loans receivable, net of allowance for loan losses	1,172,356		—		1,166,181		4,344		1,170,525
FHLBC stock	6,257		—		—		—		N/A
Accrued interest receivable	3,926		—		3,926		—		3,926
Financial liabilities
Noninterest-bearing demand deposits	$	134,129	$	—	$	134,129	$	—	$	134,129
Savings deposits	154,532		—		154,532		—		154,532
NOW and money market accounts	690,193		—		690,193		—		690,193
Certificates of deposit	232,859		—		232,588		—		232,588
Borrowings	12,921		—		12,908		—		12,908
Accrued interest payable	89		—		89		—		89

Company Only Condensed Financial Information (Tables)

12 Months Ended

Dec. 31, 2015

Condensed Financial Information of Parent Company Only Disclosure [Abstract]

Condensed Statements of Financial Condition



	December 31,
	2015		2014
Assets
Cash in subsidiary	$	15,309	$	9,724
Loan receivable from ESOP	11,799		12,791
Investment in subsidiary	183,039		192,182
Deferred tax asset	1,865		1,082
Other assets	352		342
	$	212,364	$	216,121
Liabilities and Stockholders' Equity
Total stockholders’ equity	$	212,364	$	216,121

Condensed Statements of Operations



	For the years ended December 31,
	2015			2014			2013
Interest income	$	544		$	584		$	623
Dividends from subsidiary	19,710			—			—
Other expense	1,536			1,451			1,473
Income (loss) before income tax and undistributed subsidiary income	18,718			(867		)	(850		)
Income tax benefit	(783		)	(1,082		)	—
Income (loss) before equity in undistributed subsidiary income	19,501			215			(850		)
Equity in undistributed subsidiary excess distributions	(10,826		)	40,399			4,148
Net income	$	8,675		$	40,614		$	3,298

Condensed Statements of Cash Flows



	For the years ended December 31,
	2015			2014			2013
Cash flows from operating activities
Net income	$	8,675		$	40,614		$	3,298
Adjustments:
Equity in undistributed subsidiary excess distributions	10,826			(40,399		)	(4,148		)
Change in other assets	(793		)	(1,172		)	373
Change in accrued expenses and other liabilities	—			(23		)	2
Net cash from (used in) operating activities	18,708			(980		)	(475		)
Cash flows from investing activities
Principal payments received on ESOP loan	992			951			912
Net cash from investing activities	992			951			912
Cash flows from financing activities
Repurchase and retirement of common stock	(9,970		)	—			—
Cash dividends paid on common stock	(4,145		)	(1,688		)	(844		)
Net cash used in financing activities	(14,115		)	(1,688		)	(844		)
Net change in cash in subsidiary	5,585			(1,717		)	(407		)
Beginning cash in subsidiary	9,724			11,441			11,848
Ending cash in subsidiary	$	15,309		$	9,724		$	11,441

Selected Quarterly Financial Data (unaudited) (Tables)

12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Quarterly Financial Information Disclosure [Abstract]

Selected Quarterly Financial Data



	For the year ended December 31, 2015
	First Quarter			Second Quarter			Third Quarter			Fourth Quarter
Interest income	$	12,211		$	12,193		$	12,147		$	12,411
Interest expense	686			691			699			738
Net interest income	11,525			11,502			11,448			11,673
Recovery of loan losses	(724		)	(488		)	(956		)	(1,038		)
Net interest income	12,249			11,990			12,404			12,711
Noninterest income	1,536			1,689			1,709			1,757
Noninterest expense	10,513			10,031			10,232			11,169
Income before income taxes	3,272			3,648			3,881			3,299
Income tax expense	1,286			1,424			1,532			1,183
Net income	$	1,986		$	2,224		$	2,349		$	2,116
Basic earnings per common share	$	0.10		$	0.11		$	0.12		$	0.11
Diluted earnings per common share	$	0.10		$	0.11		$	0.12		$	0.11



	For the year ended December 31, 2014
	First Quarter		Second Quarter		Third Quarter			Fourth Quarter
Interest income	$	12,086	$	12,482	$	12,368		$	12,413
Interest expense	812		774		746			714
Net interest income	11,274		11,708		11,622			11,699
Provision for (recovery of) loan losses	476		957		(1,413		)	(756		)
Net interest income	10,798		10,751		13,035			12,455
Noninterest income	1,532		1,660		1,748			1,769
Noninterest expense	11,371		10,982		11,157			10,941
Income before income taxes	959		1,429		3,626			3,283
Income tax expense (benefit)	17		25		36			(31,395		)
Net income	$	942	$	1,404	$	3,590		$	34,678
Basic earnings per common share	$	0.05	$	0.07	$	0.17		$	1.72
Diluted earnings per common share	$	0.05	$	0.07	$	0.17		$	1.72

Summary of Significant Accounting Policies - Premises and Equipment (Details)	12 Months Ended
	Dec. 31, 2015
Building and building improvements [Member] \| Minimum [Member]
Property, Plant and Equipment [Line Items]
Premises and Equipment, Useful life	25 years
Building and building improvements [Member] \| Maximum [Member]
Property, Plant and Equipment [Line Items]
Premises and Equipment, Useful life	40 years
Building Improvements [Member] \| Minimum [Member]
Property, Plant and Equipment [Line Items]
Premises and Equipment, Useful life	10 years
Building Improvements [Member] \| Maximum [Member]
Property, Plant and Equipment [Line Items]
Premises and Equipment, Useful life	20 years
Furniture and equipment [Member] \| Minimum [Member]
Property, Plant and Equipment [Line Items]
Premises and Equipment, Useful life	5 years
Furniture and equipment [Member] \| Maximum [Member]
Property, Plant and Equipment [Line Items]
Premises and Equipment, Useful life	15 years
Computer Equipment And Software [Member] \| Minimum [Member]
Property, Plant and Equipment [Line Items]
Premises and Equipment, Useful life	2 years
Computer Equipment And Software [Member] \| Maximum [Member]
Property, Plant and Equipment [Line Items]
Premises and Equipment, Useful life	5 years
Automobiles [Member] \| Maximum [Member]
Property, Plant and Equipment [Line Items]
Premises and Equipment, Useful life	4 years

Summary of Significant Accounting Policies - Income Taxes (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Deferred Tax Assets, Net	$ 26,695				$ 31,643				$ 26,695	$ 31,643
Total income tax expense (benefit)	1,183	$ 1,532	$ 1,424	$ 1,286	(31,395)	$ 36	$ 25	$ 17	5,425	(31,317)	$ 0
Unrecognized tax benefits	$ 108				$ 79				$ 108	$ 79	$ 65

Earnings (Loss) Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Earnings (Loss) Per Share, Basic and Diluted [Abstract]
Net income (loss) available to common stockholders	$ 2,116	$ 2,349	$ 2,224	$ 1,986	$ 34,678	$ 3,590	$ 1,404	$ 942	$ 8,675	$ 40,614	$ 3,298
Average common shares outstanding (shares)									20,708,775	21,101,966	21,091,399
Less:
Unearned ESOP shares (shares)									(780,227)	(905,235)	(1,054,140)
Unvested restricted stock shares (shares)									(10,545)	(19,460)	(16,421)
Weighted average common shares outstanding (shares)									19,918,003	20,177,271	20,020,838
Add - Net effect of dilutive stock options and unvested restricted stock									3,516	9,105	4,483
Weighted average diluted common shares outstanding (shares)									19,921,519	20,186,376	20,025,321
Basic earnings (loss) per common share (usd per share)	$ 0.11	$ 0.12	$ 0.11	$ 0.10	$ 1.72	$ 0.17	$ 0.07	$ 0.05	$ 0.44	$ 2.01	$ 0.16
Diluted earnings (loss) per common share (usd per share)	$ 0.11	$ 0.12	$ 0.11	$ 0.10	$ 1.72	$ 0.17	$ 0.07	$ 0.05	$ 0.44	$ 2.01	$ 0.16
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount									536,459	0	0
Weighted Average Exercise Price of Anti Dilutive Stock Options									$ 12.99	$ 0.00	$ 0.00

Securities - Fair Value of Securites (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Unrealized gains and losses recognized in accumulated other comprehensive income (loss)
Amortized Cost	$ 113,865	$ 119,947
Available-for-sale Securities, Gross Unrealized Gain	928	1,280
Available-for-sale Securities, Gross Unrealized Losses	(40)	(53)
Certificates of deposit [Member]
Unrealized gains and losses recognized in accumulated other comprehensive income (loss)
Amortized Cost	87,901	86,049
Available-for-sale Securities, Gross Unrealized Gain	0	0
Available-for-sale Securities, Gross Unrealized Losses	0	0
Equity mutual fund [Member]
Unrealized gains and losses recognized in accumulated other comprehensive income (loss)
Amortized Cost	500	500
Available-for-sale Securities, Gross Unrealized Gain	7	9
Available-for-sale Securities, Gross Unrealized Losses	0	0
Mortgage - backed securities - residential [Member]
Unrealized gains and losses recognized in accumulated other comprehensive income (loss)
Amortized Cost	18,330	23,433
Available-for-sale Securities, Gross Unrealized Gain	880	1,218
Available-for-sale Securities, Gross Unrealized Losses	(30)	(40)
Collateralized mortgage obligations - residential [Member]
Unrealized gains and losses recognized in accumulated other comprehensive income (loss)
Amortized Cost	7,111	9,936
Available-for-sale Securities, Gross Unrealized Gain	41	53
Available-for-sale Securities, Gross Unrealized Losses	(10)	(13)
SBA-guaranteed loan participation certificates [Member]
Unrealized gains and losses recognized in accumulated other comprehensive income (loss)
Amortized Cost	23	29
Available-for-sale Securities, Gross Unrealized Gain	0	0
Available-for-sale Securities, Gross Unrealized Losses	$ 0	$ 0

Securities - Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities Pledged as Collateral	$ 6,000	$ 6,800
Amortized cost and fair values of securities
Total amortized cost	113,865	119,947
Available-for-sale Securities, Debt Securities	114,753	121,174
Certificates of Deposit [Member]
Amortized cost and fair values of securities
Total amortized cost	87,901	86,049
Available-for-sale Securities, Debt Securities	87,901	86,049
Equity mutual fund [Member]
Amortized cost and fair values of securities
Total amortized cost	500	500
Available-for-sale Securities, Debt Securities	507	509
Mortgage - backed securities - residential [Member]
Amortized cost and fair values of securities
Total amortized cost	18,330	23,433
Available-for-sale Securities, Debt Securities	19,180	24,611
Collateralized mortgage obligations - residential [Member]
Amortized cost and fair values of securities
Total amortized cost	7,111	9,936
Available-for-sale Securities, Debt Securities	7,142	9,976
SBA-guaranteed loan participation certificates [Member]
Amortized cost and fair values of securities
Total amortized cost	23	29
Available-for-sale Securities, Debt Securities	$ 23	$ 29

Securities - Proceeds and Gross Gains (Losses) From Sale of Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Investments, Debt and Equity Securities [Abstract]
Proceeds	$ 0	$ 3,663	$ 0
Gross gains	0	0	0
Gross losses	$ 0	$ 7	$ 0

Securities - Unrealized Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Amortized cost and fair values of securities
Less than 12 Months, Fair Value	$ 0	$ 0
12 Months or More, Fair Value	3,023	3,973
Fair Value, Total	3,023	3,973
Unrealized loss of securities
Less than 12 Months, Unrealized Loss	0	0
12 Months or More, Unrealized Loss	(40)	(53)
Unrealized Loss, Total	(40)	(53)
Residential Mortgage Backed Securities [Member]
Amortized cost and fair values of securities
Less than 12 Months, Fair Value	0	0
Unrealized loss of securities
Less than 12 Months, Unrealized Loss	0	0
12 Months or More, Unrealized Loss	(30)	(40)
Unrealized Loss, Total	(30)	(40)
Mortgage Backed Securities Residential [Member]
Amortized cost and fair values of securities
12 Months or More, Fair Value	1,724	2,126
Fair Value, Total	1,724	2,126
Collateralized mortgage obligations - residential [Member]
Amortized cost and fair values of securities
Less than 12 Months, Fair Value	0	0
12 Months or More, Fair Value	1,299	1,847
Fair Value, Total	1,299	1,847
Unrealized loss of securities
Less than 12 Months, Unrealized Loss	0	0
12 Months or More, Unrealized Loss	(10)	(13)
Unrealized Loss, Total	$ (10)	$ (13)

Loans Receivable (Details) - USD ($)	12 Months Ended
Loans Receivable (Details) - USD ($)	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Loans receivable
Total loans	$ 1,240,327,000	$ 1,183,147,000
Net deferred loan origination costs	1,621,000	1,199,000
Allowance for loan losses	(9,691,000)	(11,990,000)	$ (14,154,000)	$ (18,035,000)
Loans, net	1,232,257,000	1,172,356,000
One-to-four family residential real estate loans [Member]
Loans receivable
Total loans	159,501,000	180,337,000
Allowance for loan losses	(1,704,000)	(2,148,000)
Multi-family mortgage loans [Member]
Loans receivable
Total loans	506,026,000	480,349,000
Allowance for loan losses	(3,610,000)	(5,205,000)
Nonresidential Real Estate [Member]
Loans receivable
Total loans	226,735,000	234,500,000
Allowance for loan losses	(2,582,000)	(2,940,000)
Construction and land loans [Member]
Loans receivable
Total loans	1,313,000	1,885,000
Allowance for loan losses	(43,000)	(80,000)
Commercial loans [Member]
Loans receivable
Total loans	79,516,000	66,882,000
Allowance for loan losses	(654,000)	(554,000)
Commercial leases [Member]
Loans receivable
Total loans	265,405,000	217,143,000
Allowance for loan losses	(1,073,000)	(1,009,000)
Consumer loans [Member]
Loans receivable
Total loans	1,831,000	2,051,000
Allowance for loan losses	(25,000)	(54,000)
Nonresidential real estate loans [Member]
Loans receivable
Total loans	$ 226,735,000	$ 234,500,000
No Public Rating [Member] \| Maximum [Member] \| Commercial leases [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial Leases, Maturity	5 years
Collateralized Loan [Member] \| Multi-family mortgage loans [Member]
Loans receivable
Collateralized Loan Receivable, Percentage Of Collateral Located Outside Primary Market Area	39.00%
Collateralized Loan [Member] \| Nonresidential real estate loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Projected Cash Flow To Loan Debt Service Requirement	120.00%
Collateralized Loan [Member] \| Maximum [Member] \| Multi-family mortgage loans [Member]
Loans receivable
Total loans	$ 3,000,000.0
Collateralized Loan [Member] \| Maximum [Member] \| Nonresidential real estate loans [Member]
Loans receivable
Total loans	3,000,000.0
Collateralized Loan [Member] \| Minimum [Member] \| Multi-family mortgage loans [Member]
Loans receivable
Total loans	250,000
Collateralized Loan [Member] \| Minimum [Member] \| Nonresidential real estate loans [Member]
Loans receivable
Total loans	$ 250,000
Mortgage loans above $400,000 [Member] \| Collateralized Loan [Member] \| Multi-family mortgage loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Projected Cash Flow To Loan Debt Service Requirement	120.00%
Conforming Loans [Member] \| $2,500,000 [Member] \| Maximum [Member] \| Residential Mortgage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage Loans on Real Estate, Face Amount of Mortgages	$ 417,000
Adjustable Rate And Fixed Rate Residential Mortgage [Member] \| $2,500,000 [Member] \| Maximum [Member] \| Residential Mortgage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage Loans on Real Estate, Face Amount of Mortgages	$ 2,500,000
First Mortgage [Member] \| Residential Mortgage [Member]
Loans receivable
Percent Threshold On Loan To Value Ratios Requiring Private Mortgage Insurance	80.00%

Loans Receivable - Loan Origination and Risk Management (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, amount	$ 1,240,327,000	$ 1,183,147,000
Maximum [Member] \| Finance Leases Financing Receivable [Member] \| Investment Grade [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding credit exposure	15,000,000
Multi-family mortgage loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, amount	$ 506,026,000	480,349,000
Multi-family mortgage loans [Member] \| Collateralized Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collateralized Loan Receivable, Percentage Of Collateral Located Outside Primary Market Area	39.00%
Multi-family mortgage loans [Member] \| Collateralized Loan [Member] \| Mortgage loans above $400,000 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Projected Cash Flow To Loan Debt Service Requirement	120.00%
Multi-family mortgage loans [Member] \| Minimum [Member] \| Collateralized Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, amount	$ 250,000
Multi-family mortgage loans [Member] \| Maximum [Member] \| Collateralized Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, amount	$ 3,000,000.0
Loan amount as a percentage to value of property collateralized	0.8
Nonresidential real estate loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, amount	$ 226,735,000	234,500,000
Nonresidential real estate loans [Member] \| Collateralized Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Projected Cash Flow To Loan Debt Service Requirement	120.00%
Nonresidential real estate loans [Member] \| Collateralized Loan [Member] \| Fixed Rate Nonresidential Mortgage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortization period	15 years
Nonresidential real estate loans [Member] \| Minimum [Member] \| Collateralized Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, amount	$ 250,000
Maturity period	3 years
Balloon maturity	3 years
Amortization period	20 years
Nonresidential real estate loans [Member] \| Maximum [Member] \| Collateralized Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, amount	$ 3,000,000.0
Loan amount as a percentage to value of property collateralized	0.8
Maturity period	5 years
Balloon maturity	5 years
Amortization period	30 years
Residential mortgage [Member] \| Minimum [Member] \| Fixed rate residential mortgage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Maturity period	10 years
Residential mortgage [Member] \| Minimum [Member] \| Adjustable rate residential mortgage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Maturity period	1 year
Residential mortgage [Member] \| Maximum [Member] \| Adjustable Rate And Fixed Rate Residential Mortgage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Maturity period	30 years
Residential mortgage [Member] \| Maximum [Member] \| Fixed rate residential mortgage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Maturity period	30 years
Residential mortgage [Member] \| Maximum [Member] \| Adjustable rate residential mortgage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortization period	30 years
Maturity period	5 years
Residential mortgage [Member] \| Maximum [Member] \| $2,500,000 [Member] \| Adjustable Rate And Fixed Rate Residential Mortgage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage Loans on Real Estate, Face Amount of Mortgages	$ 2,500,000
Residential mortgage [Member] \| Maximum [Member] \| $2,500,000 [Member] \| Conforming Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage Loans on Real Estate, Face Amount of Mortgages	417,000
Finance Leases Financing Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, amount	$ 265,405,000	$ 217,143,000
Finance Leases Financing Receivable [Member] \| Minimum [Member] \| Internal Credit Assessment [Domain]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of borrowers with credit rating	50.00%
Finance Leases Financing Receivable [Member] \| Maximum [Member] \| No Public Rating [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial Leases, Maturity	5 years
Outstanding credit exposure	$ 5,000,000.0
Finance Leases Financing Receivable [Member] \| Maximum [Member] \| Investment Grade [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial Leases, Maturity	7 years
Outstanding credit exposure	$ 10,000,000

Loans Receivable - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Allowance for loan losses and the loans receivable by portfolio segment
Individually evaluated for impairment	$ 44	$ 470
Collectively evaluated for impairment	9,647	11,520
Allowance for loan losses	9,691	11,990	$ 14,154	$ 18,035
Individually evaluated for impairment	7,650	14,222
Collectively evaluated for impairment	1,232,677	1,168,925
Total loans	1,240,327	1,183,147
Net deferred loan origination costs	1,621	1,199
Loans, net	1,232,257	1,172,356
One-to-four family residential real estate loans [Member]
Allowance for loan losses and the loans receivable by portfolio segment
Individually evaluated for impairment	0	8
Collectively evaluated for impairment	1,704	2,140
Allowance for loan losses	1,704	2,148
Individually evaluated for impairment	2,672	4,174
Collectively evaluated for impairment	156,829	176,163
Total loans	159,501	180,337
Multi-family mortgage loans [Member]
Allowance for loan losses and the loans receivable by portfolio segment
Individually evaluated for impairment	41	226
Collectively evaluated for impairment	3,569	4,979
Allowance for loan losses	3,610	5,205
Individually evaluated for impairment	2,879	5,282
Collectively evaluated for impairment	503,147	475,067
Total loans	506,026	480,349
Nonresidential Real Estate [Member]
Allowance for loan losses and the loans receivable by portfolio segment
Individually evaluated for impairment	3	236
Collectively evaluated for impairment	2,579	2,704
Allowance for loan losses	2,582	2,940
Individually evaluated for impairment	2,099	4,690
Collectively evaluated for impairment	224,636	229,810
Total loans	226,735	234,500
Construction and land loans [Member]
Allowance for loan losses and the loans receivable by portfolio segment
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	43	80
Allowance for loan losses	43	80
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	1,313	1,885
Total loans	1,313	1,885
Commercial loans [Member]
Allowance for loan losses and the loans receivable by portfolio segment
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	654	554
Allowance for loan losses	654	554
Individually evaluated for impairment	0	76
Collectively evaluated for impairment	79,516	66,806
Total loans	79,516	66,882
Commercial leases [Member]
Allowance for loan losses and the loans receivable by portfolio segment
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	1,073	1,009
Allowance for loan losses	1,073	1,009
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	265,405	217,143
Total loans	265,405	217,143
Consumer loans [Member]
Allowance for loan losses and the loans receivable by portfolio segment
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	25	54
Allowance for loan losses	25	54
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	1,831	2,051
Total loans	$ 1,831	$ 2,051

Loans Receivable - Activity in the Allowance for Loan Losses (Details) - USD ($)	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance				$ 11,990,000				$ 14,154,000	$ 11,990,000	$ 14,154,000	$ 18,035,000
Loans charged off									(1,143,000)	(3,974,000)	(5,337,000)
Recoveries									2,050,000	2,546,000	2,143,000
Net charge-off									(907,000)	1,428,000	3,194,000
Provision for (recovery of) loan losses	$ (1,038,000)	$ (956,000)	$ (488,000)	(724,000)	$ (756,000)	$ (1,413,000)	$ 957,000	$ 476,000	(3,206,000)	(736,000)	(687,000)
Ending balance	9,691,000				11,990,000				9,691,000	11,990,000	14,154,000
One-to-four family residential real estate loans [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance				2,148,000					2,148,000
Loans charged off									(386,000)	(873,000)	(1,505,000)
Recoveries									702,000	418,000	447,000
Ending balance	1,704,000				2,148,000				1,704,000	2,148,000
Multi-family mortgage loans [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance				5,205,000					5,205,000
Loans charged off									(198,000)	(1,230,000)	(1,832,000)
Recoveries									182,000	100,000	236,000
Ending balance	3,610,000				5,205,000				3,610,000	5,205,000
Nonresidential real estate loans [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Loans charged off									(391,000)	(1,727,000)	(577,000)
Recoveries									509,000	423,000	519,000
Construction and land loans [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance				80,000					80,000
Loans charged off									0	(1,000)	(943,000)
Recoveries									44,000	377,000	463,000
Ending balance	43,000				80,000				43,000	80,000
Commercial loans [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance				554,000					554,000
Loans charged off									(152,000)	(123,000)	(425,000)
Recoveries									611,000	1,225,000	470,000
Ending balance	654,000				554,000				654,000	554,000
Commercial leases [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance				1,009,000					1,009,000
Loans charged off									0	(8,000)	0
Recoveries									1,000	0	0
Ending balance	1,073,000				1,009,000				1,073,000	1,009,000
Consumer loans [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance				$ 54,000					54,000
Loans charged off									(16,000)	(12,000)	(55,000)
Recoveries									1,000	3,000	$ 8,000
Ending balance	$ 25,000				$ 54,000				$ 25,000	$ 54,000

Loans Receivable - Loans Individually Evaluated for Impairment (Details)	12 Months Ended
	Dec. 31, 2015 USD ($)	Dec. 31, 2014 USD ($)
Financing Receivable, Recorded Investment, Past Due [Line Items]
number of loans purchase impaired	0	1
Financing Receivable, Acquired with Deteriorated Credit Quality, net of allowance		$ 52,000
Loans individually evaluated for impairment by class loans
Loan Balance	$ 7,666,000	10,614,000
Recorded Investment	7,051,000	9,331,000
Partial Charge-off	639,000	1,193,000
Average Investment in Impaired Loans	7,920,000	11,610,000
Interest Income Recognized	238,000	315,000
Loan Balance (With an allowance recorded)	580,000	5,778,000
Recorded Investment (With an allowance recorded)	557,000	4,814,000
Partial Charge-offs (With an allowance recorded)	27,000	987,000
Allowance for loan losses (With an allowance recorded)	44,000	470,000
Average Investment in Impaired Loans (With an allowance recorded)	2,620,000	4,263,000
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method	0	115,000
Impaired Loan, Total	8,246,000	16,392,000
Recorded Investment, Total	7,608,000	14,145,000
Partial Charge-offs, Total	666,000	2,180,000
Average Investment in Impaired Loans, Total	10,540,000	15,873,000
Interest Income Recognized, Total	238,000	430,000
One-to-four family residential real estate loans [Member]
Loans individually evaluated for impairment by class loans
Loan Balance	3,203,000	3,246,000
Recorded Investment	2,637,000	2,656,000
Partial Charge-off	637,000	649,000
Average Investment in Impaired Loans	2,708,000	2,777,000
Interest Income Recognized	24,000	44,000
Allowance for loan losses (With an allowance recorded)	0	8,000
One-to-four family residential real estate loans - non-owner occupied loans [Member]
Loans individually evaluated for impairment by class loans
Loan Balance	23,000	1,481,000
Recorded Investment	21,000	1,425,000
Partial Charge-off	2,000	57,000
Average Investment in Impaired Loans	859,000	745,000
Interest Income Recognized	0	76,000
Loan Balance (With an allowance recorded)		115,000
Recorded Investment (With an allowance recorded)		78,000
Partial Charge-offs (With an allowance recorded)		37,000
Allowance for loan losses (With an allowance recorded)		8,000
Average Investment in Impaired Loans (With an allowance recorded)		202,000
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method		0
Multi-family mortgage loans [Member]
Loans individually evaluated for impairment by class loans
Loan Balance	1,863,000	3,174,000
Recorded Investment	1,837,000	2,593,000
Partial Charge-off	0	481,000
Average Investment in Impaired Loans	1,962,000	3,419,000
Interest Income Recognized	78,000	120,000
Loan Balance (With an allowance recorded)	518,000	2,713,000
Recorded Investment (With an allowance recorded)	518,000	2,131,000
Partial Charge-offs (With an allowance recorded)	0	624,000
Allowance for loan losses (With an allowance recorded)	41,000	226,000
Average Investment in Impaired Loans (With an allowance recorded)	1,181,000	2,343,000
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method	0	48,000
Wholesale commercial lending [Member]
Loans individually evaluated for impairment by class loans
Loan Balance	511,000	519,000
Recorded Investment	507,000	513,000
Partial Charge-off	0	0
Average Investment in Impaired Loans	514,000	401,000
Interest Income Recognized	34,000	0
Nonresidential real estate loans [Member]
Loans individually evaluated for impairment by class loans
Loan Balance	2,066,000	2,118,000
Recorded Investment	2,049,000	2,068,000
Partial Charge-off	0	6,000
Average Investment in Impaired Loans	1,877,000	4,175,000
Interest Income Recognized	102,000	72,000
Loan Balance (With an allowance recorded)	62,000	2,950,000
Recorded Investment (With an allowance recorded)	39,000	2,605,000
Partial Charge-offs (With an allowance recorded)	27,000	326,000
Allowance for loan losses (With an allowance recorded)	3,000	236,000
Average Investment in Impaired Loans (With an allowance recorded)	1,439,000	1,718,000
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method	0	67,000
Commercial loans - secured [Member]
Loans individually evaluated for impairment by class loans
Loan Balance		76,000
Recorded Investment		76,000
Partial Charge-off		0
Average Investment in Impaired Loans		93,000
Interest Income Recognized		3,000
Consumer loans [Member]
Loans individually evaluated for impairment by class loans
Allowance for loan losses (With an allowance recorded)	$ 0	$ 0

Loans Receivable - Carrying Amount (Details)	Dec. 31, 2014 USD ($)
Carrying amount of purchased impaired loans
Carrying amount, net of allowance (None at December 31, 2014, $5 at December 31, 2013)	$ 52,000

Loans Receivable - Nonaccrual Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Unpaid Principal Balance	$ 3,949	$ 14,824
Recorded investment in nonaccrual and loans past due over 90 days
Recorded Investment	3,572	12,213
Loans Past Due Over 90 Days, still accruing	0	0
One-to-four family residential real estate loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Unpaid Principal Balance	2,704	4,793
Recorded investment in nonaccrual and loans past due over 90 days
Recorded Investment	2,263	4,210
Loans Past Due Over 90 Days, still accruing	0	0
One-to-four family residential real estate loans - non-owner occupied loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Unpaid Principal Balance	92	291
Recorded investment in nonaccrual and loans past due over 90 days
Recorded Investment	192	198
Loans Past Due Over 90 Days, still accruing	0	0
Multi-family mortgage loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Unpaid Principal Balance	829	5,638
Recorded investment in nonaccrual and loans past due over 90 days
Recorded Investment	821	4,481
Loans Past Due Over 90 Days, still accruing	0	0
Nonresidential real estate loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Unpaid Principal Balance	324	4,023
Recorded investment in nonaccrual and loans past due over 90 days
Recorded Investment	296	3,245
Loans Past Due Over 90 Days, still accruing	$ 0	0
Commercial loans - secured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Unpaid Principal Balance		76
Recorded investment in nonaccrual and loans past due over 90 days
Recorded Investment		76
Loans Past Due Over 90 Days, still accruing		0
Consumer loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Unpaid Principal Balance		3
Recorded investment in nonaccrual and loans past due over 90 days
Recorded Investment		3
Loans Past Due Over 90 Days, still accruing		$ 0

Loans Receivable - Past Due Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Abstract]
Recorded Investment, 30 to 59 Days Past Due	$ 3,025	$ 5,013
Recorded Investment, 60 to 89 Days Past Due	1,532	2,074
Recorded Investment, 90 Days or Greater Past Due	3,306	10,729
Recorded Investment, Total Past Due	7,863	17,816
Recorded investment, loans not past due	1,226,669	1,158,849
Recorded investment, total	1,234,532	1,176,665
One-to-four family residential real estate loans [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
Recorded Investment, 30 to 59 Days Past Due	2,000	1,415
Recorded Investment, 60 to 89 Days Past Due	572	276
Recorded Investment, 90 Days or Greater Past Due	1,997	3,844
Recorded Investment, Total Past Due	4,569	5,535
Recorded investment, loans not past due	109,893	126,054
Recorded investment, total	114,462	131,589
One-to-four family residential real estate loans - non-owner occupied loans [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
Recorded Investment, 30 to 59 Days Past Due	299	320
Recorded Investment, 60 to 89 Days Past Due	164	165
Recorded Investment, 90 Days or Greater Past Due	192	198
Recorded Investment, Total Past Due	655	683
Recorded investment, loans not past due	43,557	47,350
Recorded investment, total	44,212	48,033
Multi-family mortgage loans [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
Recorded Investment, 30 to 59 Days Past Due	651	2,314
Recorded Investment, 60 to 89 Days Past Due	283	1,187
Recorded Investment, 90 Days or Greater Past Due	821	3,363
Recorded Investment, Total Past Due	1,755	6,864
Recorded investment, loans not past due	312,620	328,516
Recorded investment, total	314,375	335,380
Wholesale commercial lending [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
Recorded Investment, 30 to 59 Days Past Due	0	0
Recorded Investment, 60 to 89 Days Past Due	0	0
Recorded Investment, 90 Days or Greater Past Due	0	0
Recorded Investment, Total Past Due	0	0
Recorded investment, loans not past due	188,178	141,052
Recorded investment, total	188,178	141,052
Nonresidential real estate loans [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
Recorded Investment, 30 to 59 Days Past Due	0	376
Recorded Investment, 60 to 89 Days Past Due	0	444
Recorded Investment, 90 Days or Greater Past Due	296	3,245
Recorded Investment, Total Past Due	296	4,065
Recorded investment, loans not past due	223,018	227,078
Recorded investment, total	223,314	231,143
Construction loans [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
Recorded Investment, 30 to 59 Days Past Due		0
Recorded Investment, 60 to 89 Days Past Due		0
Recorded Investment, 90 Days or Greater Past Due		0
Recorded Investment, Total Past Due		0
Recorded investment, loans not past due	21	63
Recorded investment, total	21	63
Land loans [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
Recorded Investment, 30 to 59 Days Past Due	0	0
Recorded Investment, 60 to 89 Days Past Due	0	0
Recorded Investment, 90 Days or Greater Past Due	0	0
Recorded Investment, Total Past Due	0	0
Recorded investment, loans not past due	1,279	1,814
Recorded investment, total	1,279	1,814
Commercial loans - Secured [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
Recorded Investment, 30 to 59 Days Past Due	4	0
Recorded Investment, 60 to 89 Days Past Due	150	1
Recorded Investment, 90 Days or Greater Past Due	0	76
Recorded Investment, Total Past Due	154	77
Recorded investment, loans not past due	29,890	24,777
Recorded investment, total	30,044	24,854
Commercial loans - Unsecured [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
Recorded Investment, Total Past Due	0	0
Commercial Loans - Municipal loans [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
Recorded Investment, 30 to 59 Days Past Due	0	0
Recorded Investment, 60 to 89 Days Past Due	0	0
Recorded Investment, 90 Days or Greater Past Due	0	0
Recorded Investment, Total Past Due	0	0
Commercial Loans - Warehouse Lines [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
Recorded Investment, 30 to 59 Days Past Due	0	0
Recorded Investment, 60 to 89 Days Past Due	0	0
Recorded Investment, 90 Days or Greater Past Due	0	0
Recorded investment, loans not past due	17,873	17,380
Recorded investment, total	17,873	17,380
Commercial Loans - Health Care [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
Recorded Investment, 90 Days or Greater Past Due	0	0
Recorded investment, loans not past due	31,862	24,799
Recorded investment, total	31,862	24,799
Commercial loans - Other [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
Recorded Investment, 60 to 89 Days Past Due	0	0
Recorded Investment, 90 Days or Greater Past Due	0	0
Commercial Leases - Investment rated commercial leases [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
Recorded Investment, 30 to 59 Days Past Due	50	426
Recorded Investment, 60 to 89 Days Past Due	363	0
Recorded Investment, 90 Days or Greater Past Due	0	0
Recorded Investment, Total Past Due	413	426
Recorded investment, loans not past due	170,859	160,830
Recorded investment, total	171,272	161,256
Commercial Leases - Below Investment Grade [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
Recorded Investment, 30 to 59 Days Past Due	0	144
Recorded Investment, Total Past Due	0	144
Recorded investment, loans not past due	95,800	57,098
Recorded investment, total	95,800	57,242
Consumer loans [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
Recorded Investment, 30 to 59 Days Past Due	21	18
Recorded Investment, 60 to 89 Days Past Due	0	1
Recorded Investment, 90 Days or Greater Past Due	0	3
Recorded Investment, Total Past Due	21	22
Recorded investment, loans not past due	1,819	2,038
Recorded investment, total	$ 1,840	$ 2,060

Loans Receivable - Aging of Recorded Investments (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Recorded Investment, 30 to 59 Days Past Due	$ 3,025	$ 5,013
Recorded Investment, 60 to 89 Days Past Due	1,532	2,074
Recorded Investment, 90 Days or Greater Past Due	3,306	10,729
Recorded Investment, Total Past Due	7,863	17,816
Recorded Investment, Loans Not Past Due	1,226,669	1,158,849
One-to-four family residential real estate loans - non-owner occupied loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Recorded Investment, 30 to 59 Days Past Due	299	320
Recorded Investment, 60 to 89 Days Past Due	164	165
Recorded Investment, 90 Days or Greater Past Due	192	198
Recorded Investment, Total Past Due	655	683
Recorded Investment, Loans Not Past Due	43,557	47,350
Multi-family mortgage loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Recorded Investment, 30 to 59 Days Past Due	651	2,314
Recorded Investment, 60 to 89 Days Past Due	283	1,187
Recorded Investment, 90 Days or Greater Past Due	821	3,363
Recorded Investment, Total Past Due	1,755	6,864
Recorded Investment, Loans Not Past Due	312,620	328,516
Construction loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Recorded Investment, 30 to 59 Days Past Due		0
Recorded Investment, 60 to 89 Days Past Due		0
Recorded Investment, 90 Days or Greater Past Due		0
Recorded Investment, Total Past Due		0
Recorded Investment, Loans Not Past Due	21	63
Land loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Recorded Investment, 30 to 59 Days Past Due	0	0
Recorded Investment, 60 to 89 Days Past Due	0	0
Recorded Investment, 90 Days or Greater Past Due	0	0
Recorded Investment, Total Past Due	0	0
Recorded Investment, Loans Not Past Due	1,279	1,814
Commercial loans - Secured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Recorded Investment, 30 to 59 Days Past Due	4	0
Recorded Investment, 60 to 89 Days Past Due	150	1
Recorded Investment, 90 Days or Greater Past Due	0	76
Recorded Investment, Total Past Due	154	77
Recorded Investment, Loans Not Past Due	29,890	24,777
Commercial loans - Unsecured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Recorded Investment, Total Past Due	$ 0	$ 0

Loans Receivable - Troubled Debt Restructuring (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Troubled Debt Restructurings
Financing receivable modifications	$ 2,678	$ 3,003
Accrual Loans [Member]
Troubled Debt Restructurings
Financing receivable modifications	2,504	2,427
Non Accrual Loans [Member]
Troubled Debt Restructurings
Financing receivable modifications	174	576
One-to-four family residential real estate loans - non-owner occupied loans [Member] \| Accrual Loans [Member]
Troubled Debt Restructurings
Financing receivable modifications	1,385	1,917
One-to-four family residential real estate loans - non-owner occupied loans [Member] \| Non Accrual Loans [Member]
Troubled Debt Restructurings
Financing receivable modifications	174	230
Multi-family mortgage loans [Member] \| Accrual Loans [Member]
Troubled Debt Restructurings
Financing receivable modifications	1,119	510
Multi-family mortgage loans [Member] \| Non Accrual Loans [Member]
Troubled Debt Restructurings
Financing receivable modifications	$ 0	$ 346

Loans Receivable - Modified Troubled Debt Restructuring (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015 USD ($) loan	Dec. 31, 2014 USD ($) loan
Financing Receivable, Modifications [Line Items]
Loans modified	$ 1,900	$ 1,000
Loans by class modified as TDRs
Number of Loans \| loan	7	5
Pre-Modification outstanding recorded investment	$ 1,016	$ 695
Post-Modification outstanding recorded investment	889	449
Due to reduction in interest rate	0	19
Due to extension of maturity date	757	373
Due to permanent reduction in recorded investment	132	57
Total	$ 889	$ 449
One-to-four family residential real estate loans [Member]
Loans by class modified as TDRs
Number of Loans \| loan	6	4
Pre-Modification outstanding recorded investment	$ 401	$ 485
Post-Modification outstanding recorded investment	274	444
Due to reduction in interest rate	0	19
Due to extension of maturity date	142	373
Due to permanent reduction in recorded investment	132	52
Total	$ 274	$ 444
Multi-family mortgage loans [Member]
Loans by class modified as TDRs
Number of Loans \| loan	1	0
Pre-Modification outstanding recorded investment	$ 615	$ 0
Post-Modification outstanding recorded investment	615	0
Due to reduction in interest rate	0
Due to extension of maturity date	615
Due to permanent reduction in recorded investment	0
Total	$ 615
Nonresidential real estate [Member]
Loans by class modified as TDRs
Due to permanent reduction in recorded investment		$ 5
Commercial loans - Secured [Member]
Loans by class modified as TDRs
Number of Loans \| loan	0	1
Pre-Modification outstanding recorded investment	$ 0	$ 210
Post-Modification outstanding recorded investment	$ 0	5
Total		$ 5

Loans Receivable - Troubled Debt Restructuring - Payment Defaults (Details)	12 Months Ended
	Dec. 31, 2015 USD ($) loan	Dec. 31, 2014 USD ($) loan
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Increase In Allowance For Loan And Leases Losses	$ 0
One-to-four family residential real estate loans [Member]
Loans by class modified as TDRs with payment default
Number of loans \| loan	2	2
Recorded investment	$ 43,000	$ 78,000

Loans Receivable - Narrative (Details)	12 Months Ended
Loans Receivable - Narrative (Details)	Dec. 31, 2015 USD ($)	Dec. 31, 2014 USD ($)
Valuation and Qualifying Accounts Disclosure [Line Items]
number of loans purchase impaired	0	1
Financing Receivable, Acquired with Deteriorated Credit Quality, net of allowance		$ 52,000
Valuation of reserves allocation	$ 881,000	803,000
Reserve For Uncollected Loan Interest	181,000	500,000
Financing receivable modifications	2,678,000	3,003,000
Outstanding Commitments To Borrowers Loans Classified As Troubled Debt Restructurings	0
Troubled Debt Restructurings Value Of Decreased Interest Income	0	2,000
Financing Receivable, Modifications, Increase In Allowance For Loan And Leases Losses	0	0
Increased value of allowances for loan losses	0
Charges regarding TDRs	100,000	200,000
Loans modified	1,900,000	1,000,000
Allowance for Loan and Lease Losses [Member]
Valuation and Qualifying Accounts Disclosure [Line Items]
Valuation of reserves allocation	$ 0	$ 38,000

Other Real Estate (Details) - USD ($)	12 Months Ended
Other Real Estate (Details) - USD ($)	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Other Real Estate, Disposals	$ (4,674,000)	$ (4,949,000)
other real estate owned at carrying value before valuation allowance	8,053,000	7,254,000
Real Estate Owned, Valuation Allowance	(1,042,000)	(896,000)	$ (902,000)
New foreclosed properties	5,875,000	5,449,000
Other Real Estate, Valuation Adjustments	(548,000)	(448,000)
Real Estate Owned, Valuation Allowance, Valuation Increase	548,000	438,000
reduction in valuation allowance for sales of OREO	402,000	444,000
Other Real Estate Owned At Carrying Value	7,011,000	6,358,000	$ 6,306,000
One to Four Family Residential Real Estate Loans [Member]
other real estate owned at carrying value before valuation allowance	2,684,000	1,318,000
Real Estate Owned, Valuation Allowance	(63,000)	(55,000)
Other Real Estate Owned At Carrying Value	2,621,000	1,263,000
Multi Family Mortgage Loans [Member]
other real estate owned at carrying value before valuation allowance	1,025,000	2,530,000
Real Estate Owned, Valuation Allowance	(74,000)	(223,000)
Other Real Estate Owned At Carrying Value	951,000	2,307,000
Nonresidential Real Estate [Member]
other real estate owned at carrying value before valuation allowance	1,986,000	964,000
Real Estate Owned, Valuation Allowance	(239,000)	(79,000)
Other Real Estate Owned At Carrying Value	1,747,000	885,000
Land [Member]
other real estate owned at carrying value before valuation allowance	2,358,000	2,442,000
Real Estate Owned, Valuation Allowance	(666,000)	(539,000)
Other Real Estate Owned At Carrying Value	$ 1,692,000	$ 1,903,000

Secondary Mortgage Market Activities - Activity For Capitalized Mortgage Servicing Rights And Related Valuation Reserve (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Servicing rights
Beginning of year	$ 834	$ 931
Additions	27	38
Amortized to expense	(137)	(135)
End of year	724	834
Valuation allowance
Beginning of year	13	5
Additions expensed	3	8
Reductions credited to expense	0	0
End of year	16	13
Carrying value of mortgage servicing rights	708	821
Fair value of mortgage servicing rights	$ 815	$ 1,190

Secondary Mortgage Market Activities - Fair Value Assumptions (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015 USD ($) $ / loan	Dec. 31, 2014 $ / loan
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value [Abstract]
Prepayment speed	13.92%	13.69%
Discount rate	12.00%	12.00%
Average servicing cost per loan (usd per loan) \| $ / loan	60.00	63.00
Escrow float rate	0.25%	1.83%
Fair value of mortgage servicing rights	$ 815
Prepayment speed	13.92%	13.69%
Decrease in fair value from 10% adverse change, annual prepayment speed	$ (22)
Decrease in fair value from 20% adverse change, annual prepayment speed	$ (41)
Weighted-average annual discount rate	12.00%	12.00%
Decrease in fair value from 10% adverse change	$ (28)
Decrease in fair value from 20% adverse change	$ (54)

Secondary Mortgage Market Activities - Schedule Of Future Amortization Expense (Details) - Servicing Contracts [Member] $ in Thousands	12 Months Ended
	Dec. 31, 2015 USD ($)
Acquired Finite-Lived Intangible Assets [Line Items]
Weighted average amortization period	62 months
2015	$ 142
2016	115
2017	92
2018	72
2019	$ 58

Secondary Mortgage Market Activities - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Residential Mortgage [Member]
Servicing Rights At Fair Value [Line Items]
Escrow deposit	$ 3.4
Servicing Contracts [Member]
Servicing Rights At Fair Value [Line Items]
Unpaid balance sheet liability	$ 132.4	$ 148.3

Premises and Equipment - Year End (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 67,827	$ 67,469
Accumulated depreciation	(35,101)	(33,183)
Property and equipment, net	32,726	34,286
Depreciation	2,101	2,223	$ 2,900
Land and land improvements [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	13,594	13,569
Building and building improvements [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	37,316	37,181
Furniture and equipment [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	9,693	9,487
Computer equipment [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 7,224	$ 7,232

Premises and Equipment - Schedule of Future Minimum Payments for Operating Leases (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Property, Plant, Equipment And Leases [Abstract]
Rent expense, net of sublease income	$ 393	$ 387	$ 476
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
2015	448
2016	469
2017	479
2018	471
2019	459
Thereafter	4,708
Total	$ 7,034

Premises and Equipment - Schedule of Future Proceeds for Subleases (Details) $ in Thousands	Dec. 31, 2015 USD ($)
Property, Plant, Equipment And Leases [Abstract]
2015	$ 43
2016	7
Total	$ 50

Goodwill and Core Intangible - Schedule of Finite-Lived Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2015	Dec. 31, 2014
Finite-lived Intangible Assets [Roll Forward]
Amortization	$ (550)	$ (578)	$ (605)
Core Deposits [Member]
Finite-lived Intangible Assets [Roll Forward]
Balance at the beginning of the year	1,855	2,433
Amortization	(550)	(578)	(605)
Additions	0	0
Net Carrying Value	$ 1,855	$ 2,433	$ 2,433	$ 1,305	$ 1,855
Gross carrying amount				5,932	5,932
Accumulated amortization				$ (4,627)	$ (4,077)

Goodwill and Core Intangible - Schedule of Finite-Lived Intangible Assets Amortization Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Acquired Finite-Lived Intangible Assets [Line Items]
Amortization of intangibles	$ 550	$ 578	$ 605
Core Deposits [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Amortization of intangibles	550	$ 578	$ 605
Finite-Lived Intangible Assets, Net, Amortization Expense, Fiscal Year Maturity [Abstract]
2015	523
2016	496
2017	184
2018	61
2019	$ 34

Deposits - Schedule of Deposits By Type (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Deposits [Abstract]
Noninterest-bearing demand deposits	$ 254,830	$ 134,129
Savings deposits	156,752	154,532
Money market accounts	329,654	338,246
Interest-bearing NOW accounts	248,982	351,947
Time Deposits	$ 222,701	$ 232,859

Deposits - Time Deposits, By Maturity (Details) $ in Thousands	Dec. 31, 2015 USD ($)
Deposits [Abstract]
2015	$ 151,545
2016	44,515
2017	15,716
2018	3,650
2019	$ 7,275

Deposits - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Deposits [Abstract]
Time deposits, $100,000 or more	$ 15.2	$ 13.1

Repurchase Agreements (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Federal Home Loan Bank, Advances [Line Items]
Borrowings, Amount	$ 64,318	$ 12,921
Available-for-sale Securities Pledged as Collateral	6,000	6,800
Carrying Value of Federal Funds Purchased, Securities Sold under Agreements to Repurchase, and Deposits Received for Securities Loaned	2,318	2,921
Federal Home Loan Bank Advances [Member] \| Within 1 year [Member]
Federal Home Loan Bank, Advances [Line Items]
Borrowings, Amount	$ 62,000	$ 10,000

Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Debt Instrument [Line Items]
Borrowings, Contractual Rate	0.28%	0.16%
Borrowings, Amount	$ 64,318	$ 12,921
Available-for-sale Securities Pledged as Collateral	6,000	$ 6,800
First Mortgage [Member]
Debt Instrument [Line Items]
Collateral	94,300
Multi-family mortgage loans [Member]
Debt Instrument [Line Items]
Collateral	$ 303,000
Federal Home Loan Bank Advances [Member] \| Within 1 year [Member]
Debt Instrument [Line Items]
Borrowings, Contractual Rate	0.29%	0.13%
Borrowings, Amount	$ 62,000	$ 10,000
Securities Sold under Agreements to Repurchase [Member]
Debt Instrument [Line Items]
Borrowings, Contractual Rate	0.25%	0.25%
Borrowings, Amount	$ 2,318	$ 2,921
Federal Home Loan Bank Borrowings [Member]
Debt Instrument [Line Items]
Increase in line of credit	$ 307,800

Income Taxes - Schedule of Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Tax Disclosure [Abstract]
Current benefit									$ 346	$ 363	$ 0
Deferred benefit									5,079	3,437	(1,310)
Deferred tax valuation allowance									0	(35,117)	1,310
Total income tax expense (benefit)	$ 1,183	$ 1,532	$ 1,424	$ 1,286	$ (31,395)	$ 36	$ 25	$ 17	$ 5,425	$ (31,317)	$ 0

Income Taxes - Schedule of Effective Income Tax Reconciliation (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Tax Disclosure [Abstract]
Statutory federal corporate tax rate									34.00%	34.00%	34.00%
Benefit computed at the statutory federal tax rate									$ 4,794	$ 3,161	$ 1,121
State taxes and other, net									626	664	92
Income Tax Reconciliation, Other Adjustments									0	0
Tax Adjustments, Settlements, and Unusual Provisions											(2,390)
Bank owned life insurance									(66)	(80)	(106)
ESOP/Share based compensation									71	55	(27)
Effective Income Tax Rate Reconciliation, Change in Deferred Tax Assets Valuation Allowance, Amount									0	(35,117)	1,310
Total income tax expense (benefit)	$ 1,183	$ 1,532	$ 1,424	$ 1,286	$ (31,395)	$ 36	$ 25	$ 17	$ 5,425	$ (31,317)	$ 0
Effective income tax rate									38.50%		0.00%

Income Taxes - Schedule of Deferred Tax Assets, Net (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Gross Deferred tax assets:
Allowance for loan losses	$ 3,716	$ 4,598
Alternative minimum tax, general business credit and net operating loss carryforward	24,799	28,842
Tax deductible goodwill	1,783	2,091
Other	2,237	1,703
Total deferred tax assets, gross	32,535	37,234
Gross Deferred tax liabilities:
Net deferred loan origination costs	(1,811)	(1,587)
Purchase accounting adjustments	(2,801)	(2,728)
Other	(888)	(805)
Unrealized gain on securities	(340)	(471)
Gross deferred tax liabilities:	(5,840)	(5,591)
Net deferred tax asset	$ 26,695	$ 31,643

Income Taxes - Unrecognized Tax Balances Roll-forward (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Beginning of year	$ 79	$ 65
Additions based on tax positions related to the current year	0	63
Additions for tax positions of prior years	29	1
Reductions due to the statute of limitations	0	(50)
End of year	$ 108	$ 79

Income Taxes - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
Income Taxes - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Tax Disclosure [Abstract]
Deferred Tax Assets, Net	$ 26,695	$ 31,643
Valuation Allowance, Deferred Tax Asset, Increase (Decrease), Amount	0	35,117	$ (1,310)
Deferred tax not recongized	$ 14,900	$ 14,900
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate	34.00%	34.00%	34.00%

Income Taxes - Narrative Tax Carryforwards (Details) $ in Millions	Dec. 31, 2015 USD ($)
Alternative Minimum Tax Carryforward Axis [Member]
Tax Credit Carryforward [Line Items]
Tax credit carryforward	$ 2.9
Internal Revenue Service (IRS) [Member]
Tax Credit Carryforward [Line Items]
Operating loss carryforwards	45.2
Tax credit carryforward	1.3
Alternative minimum tax carryforward subject to expiration	39.7
State and Local Jurisdiction [Member]
Tax Credit Carryforward [Line Items]
Operating loss carryforwards	85.2
Downers Grove National Bank [Member]
Tax Credit Carryforward [Line Items]
Operating loss carryforwards	$ 7.9

Regulatory Matters - Requirements (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Risk Based Ratios [Abstract]
Common Tier 1 Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%
BankFinancial F.S.B. [Member]
Capital [Abstract]
Total capital (to risk-weighted assets), Actual, Amount	$ 171,239	$ 176,414
Total capital (to risk-weighted assets), Minimum required To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	88,881	87,058
Total capital (to risk-weighted assets), Minimum Capital Ratios Established under Capital Plans, Amount	111,102	108,822
Tier One Risk Based Capital [Abstract]
Tier 1 (core) capital (to risk-weighted assets), Actual, Amount	161,545	164,420
Tier 1 (core) capital (to risk-weighted assets), Minimum required To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	66,661	43,529
Tier 1 (core) capital (to risk-weighted assets), Minimum Capital Ratios Established under Capital Plans, Amount	88,881	65,293
Tier One Leverage Capital [Abstract]
Tier 1 (core) capital (to adjusted average total assets), Actual, Amount	161,545	164,420
Tier 1 (core) capital (to adjusted average total assets), Minimum required To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	57,039	57,431
Tier 1 (core) capital (to adjusted average total assets), Minimum Capital Ratios Established under Capital Plans, Amount	$ 71,299	$ 71,789
Risk Based Ratios [Abstract]
Total capital (to risk-weighted assets), Actual, Ratio	15.41%	16.21%
Total capital (to risk-weighted assets), For Capital Adequacy Purposes, Ratio	8.00%	8.00%
Total capital (to risk-weighted assets), Minimum Capital Ratios Established under Capital Plans, Ratio	10.00%	10.00%
Tier 1 (core) capital (to risk-weighted assets), Actual, Ratio	14.54%	15.11%
Tier 1 (core) capital (to risk-weighted assets), Minimum required To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	6.00%	4.00%
Tier 1 (core) capital (to risk-weighted assets), Minimum Capital Ratios Established under Capital Plans, Ratio	8.00%	6.00%
CET common tier 1 equity	$ 161,545
Common Tier 1 to Risk Weighted Assets	14.54%
Common Tier 1 Risk Based Capital Required for Capital Adequacy	$ 49,996
Common Tier 1 Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%
Common Tier One Capital required to be well capitalized	$ 72,216
Common Tier One Risk Weighted Assets Required to be Well Capitalized to Risk Weighted Assets	6.50%
Leverage Ratios [Abstract]
Tier 1 (core) capital (to adjusted average total assets), Actual, Ratio	11.33%	11.45%
Tier 1 (core) capital (to adjusted average total assets), Minimum required To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	4.00%	4.00%
Tier 1 (core) capital (to adjusted average total assets), Minimum Capital Ratios Established under Capital Plans, Ratio	5.00%	5.00%
Consolidated Entities [Member]
Capital [Abstract]
Total capital (to risk-weighted assets), Actual, Amount	$ 198,738	$ 199,284
Total capital (to risk-weighted assets), Minimum required To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	88,898	87,084
Tier One Risk Based Capital [Abstract]
Tier 1 (core) capital (to risk-weighted assets), Actual, Amount	189,044	187,290
Tier 1 (core) capital (to risk-weighted assets), Minimum required To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	66,674	43,542
Tier One Leverage Capital [Abstract]
Tier 1 (core) capital (to adjusted average total assets), Minimum required To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 57,043	$ 57,363
Risk Based Ratios [Abstract]
Total capital (to risk-weighted assets), Actual, Ratio	17.89%	18.31%
Total capital (to risk-weighted assets), For Capital Adequacy Purposes, Ratio	8.00%	8.00%
Tier 1 (core) capital (to risk-weighted assets), Actual, Ratio	17.01%	17.21%
Tier 1 (core) capital (to risk-weighted assets), Minimum required To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	6.00%	4.00%
CET common tier 1 equity	$ 189,044
Common Tier 1 to Risk Weighted Assets	17.01%
Common Tier 1 Risk Based Capital Required for Capital Adequacy	$ 50,005
Leverage Ratios [Abstract]
Tier 1 (core) capital (to adjusted average total assets), Actual, Ratio	13.26%	13.04%
Tier 1 (core) capital (to adjusted average total assets), Minimum required To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	4.00%	4.00%

Regulatory Matters - Narrative (Details) $ in Millions	Dec. 31, 2015 USD ($)
Minimum [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Cash to be held	$ 5.0

Employee Benefit Plans - Employee Stock Ownership Plan (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Jun. 23, 2005
Compensation Related Costs, Retirement and Share Based Payment [Line Items]
Age for eligibility for Employee Benefits	21 years
Employee benefit plans, requisite time for service	1 year
Loan receivable from ESOP				$ 19,600
ESOP issued price (usd per share)	$ 10
Commitment for contribution by Entity, maximum duration	20 years
ESOP cash contributions	$ 1,500	$ 1,500
ESOP, dividends and interest received	206	90
ESOP compensation expense	$ 1,031	$ 1,071	$ 847
Employee Stock Ownership Plan (ESOP), Shares in ESOP [Abstract]
Allocated to participants (shares)	1,027,583	929,718
Distributed to participants	(281,387)	(202,235)
Unearned (shares)	929,717	1,027,582
Total ESOP shares (shares)	1,675,913	1,755,065
Fair value of unearned shares	$ 11,742	$ 12,187
Common Stock [Member]
Compensation Related Costs, Retirement and Share Based Payment [Line Items]
ESOP shares purchased (shares)	1,957,300

Employee Benefit Plans - Employee Stock Ownership Plan - Profit Sharing 401(k) Plan (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Compensation and Retirement Disclosure [Abstract]
Employee matching ratio	50.00%	50.00%
Maximum annual contribution per employee	6.00%
Contribution plan expenses	$ 308	$ 348	$ 346

Equity Incentive Plans - Narrative (Details) - USD ($)	12 Months Ended
Equity Incentive Plans - Narrative (Details) - USD ($)	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Aug. 10, 2015	Jun. 27, 2006
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
restricted stock available for grant	103,800
Stock Options Outstanding	1,752,156	0
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	694,469
Share-based compensation expense	$ 568,000	$ 0	$ 0
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized	$ 11,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number				1,752,156
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value	$ 0.88
unrecognized compensation cost of options granted	$ 980,000
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Outstanding, Weighted Average Remaining Contractual Terms	5 years 2 months
Employee Stock Option [Member] \| Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	5 years
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation expense	$ 70,000	$ 70,000	$ 86,000,000
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Outstanding, Weighted Average Remaining Contractual Terms	3 months 23 days	4 months 38 days
Restricted Stock [Member] \| Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	3 years
Restricted Stock [Member] \| Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	5 years
2006 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (shares)					3,425,275
2006 Plan [Member] \| Employee Stock Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period	2 years
2006 Plan [Member] \| Employee Stock Option [Member] \| Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	1 year

Equity Incentive Plans - Schedule of Stock Options (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock Options Outstanding	1,752,156	0
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate	0.60%
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Roll Forward]
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate	17.28%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Dividend Payments	$ 0.0130
stock options granted	1,752,156
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price	$ 12.30
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term	1 year 5 months 23 days
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Intrinsic Value	$ 778,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Aggregate Intrinsic Value	$ 389,000
stock options exercisable	607,849
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number	607,849
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Aggregate Intrinsic Value	$ 389,000

Equity Incentive Plans - Schedule of Restricted Stock Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Roll Forward]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Outstanding, Weighted Average Remaining Contractual Terms	5 years 2 months
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Weighted Average Remaining Contractual Term			1 year 3 months 7 days
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]
Shares outstanding, beginning balance (shares)	16,822	25,750
Shares granted (shares)	0	0
Shares vested (shares)	(8,888)	(8,928)
Shares forfeited (shares)	0	0
Shares outstanding, ending balance (shares)	7,934	16,822	25,750
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Roll Forward]
Shares outstanding, beginning balance, Weighted Average Fair Value at Grant Date (usd per share)	$ 8.14	$ 8.14
Shares granted, Weighted Average Fair Value at Grant Date (usd per share)	0.00	0.00
Shares vested, Weighted Average Fair Value at Grant Date (usd per share)	(0.00)	(0.00)
Shares forfeited, Weighted Average Fair Value at Grant Date (usd per share)	(0.00)	(0.00)
Shares outstanding, ending balance, Weighted Average Fair Value at Grant Date (usd per share)	$ 8.14	$ 8.14	$ 8.14
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Outstanding, Weighted Average Remaining Contractual Terms	3 months 23 days	4 months 38 days
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Aggregate Intrinsic Value, Outstanding	$ 100	$ 199	$ 236

Loan Commitments and Other Off-balance Sheet Activities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2007
Guarantor Obligations [Line Items]
Duration of extension	60 days
Commitments to extend credit [Member]
Guarantor Obligations [Line Items]
Notional Or Contractual Credit Extension Commitments	$ 52,322	$ 30,477
Fixed-rate loan commitments	29,400
Standby letters of credit [Member]
Guarantor Obligations [Line Items]
Notional Or Contractual Credit Extension Commitments	1,075	1,095
Unused lines of credit [Member]
Guarantor Obligations [Line Items]
Notional Or Contractual Credit Extension Commitments	126,333	109,580
Commitments to sell mortgages [Member]
Guarantor Obligations [Line Items]
Notional Or Contractual Credit Extension Commitments	$ 64	$ 0
Minimum [Member] \| Commitments to extend credit [Member]
Guarantor Obligations [Line Items]
Fixed interest rate	2.25%
Maturity period	1 year 6 months
Maximum [Member] \| Commitments to extend credit [Member]
Guarantor Obligations [Line Items]
Fixed interest rate	6.65%
Maturity period	30 years
Unrestricted [Member] \| Common Class B [Member] \| Visa USA [Member]
Guarantor Obligations [Line Items]
Shares owned (shares)			51,404
Litigation Escrow Deposit May Be Converted Into Publicly Traded Class A Common Shares [Member] \| Common Class B [Member] \| Visa USA [Member]
Guarantor Obligations [Line Items]
Shares owned (shares)			32,398

Fair Value - Carrying Amount and Estimated Fair Value of Finanical Instruments (Details) - USD ($)	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Valuation Allowances and Reserves, Balance	$ (881,000)	$ (803,000)
Fair value of mortgage servicing rights	815,000
Financial assets
Cash and cash equivalents, carrying amount	59,377,000	59,581,000	$ 160,957,000	$ 275,764,000
Marketable Securities	114,753,000	121,174,000
Securities, carrying amount	114,753,000	121,174,000
Loans receivable, net of allowance for loan losses, carrying amounts	1,232,257,000	1,172,356,000
FHLBC stock, carrying amount	6,257,000	6,257,000
Accrued interest receivable, carrying amount	4,226,000	3,926,000
Noninterest-bearing demand deposits	254,830,000	134,129,000
Financial liabilities
Savings deposits, carrying amount	(156,752,000)	(154,532,000)
Time Deposits	222,701,000	232,859,000
Borrowings	64,318,000	12,921,000
Cash and Due from Banks	13,192,000	9,693,000
Interest-bearing Deposits in Banks and Other Financial Institutions	46,185,000	49,888,000
Carrying Amount [Member]
Financial liabilities
NOW and money market accounts, carrying amount	(578,636,000)	(690,193,000)
Accrued interest payable, carrying amount	(39,000)	(89,000)
Estimated Fair Value [Member]
Financial assets
Cash and cash equivalents, fair value	59,377,000	59,581,000
Securities, fair value	114,753,000	121,174,000
Loans receivable, net of allowance for loan losses, fair value	1,241,304,000	1,170,525,000
Accounts interest receivable, fair value	4,226,000	3,926,000
Financial liabilities
Non-interest-bearing demand deposits, fair value	(254,830,000)	(134,129,000)
Savings deposits, fair value	(156,752,000)	(154,532,000)
NOW money market accounts, fair value	(578,636,000)	(690,193,000)
Certificates of deposit, fair value	(222,026,000)	(232,588,000)
Borrowings, fair value	(64,318,000)	(12,908,000)
Accrued interest payable, fair value	(39,000)	(89,000)
Estimated Fair Value [Member] \| Fair Value, Inputs, Level 1 [Member]
Financial assets
Loans receivable, net of allowance for loan losses, fair value	0	0
Accounts interest receivable, fair value	0	0
Financial liabilities
Non-interest-bearing demand deposits, fair value	0	0
Savings deposits, fair value	0	0
NOW money market accounts, fair value	0	0
Certificates of deposit, fair value	0	0
Borrowings, fair value	0	0
Accrued interest payable, fair value	0	0
Estimated Fair Value [Member] \| Level 2 [Member]
Financial assets
Securities, fair value	114,246,000	120,665,000
Loans receivable, net of allowance for loan losses, fair value	1,240,791,000	1,166,181,000
Accounts interest receivable, fair value	4,226,000	3,926,000
Financial liabilities
Non-interest-bearing demand deposits, fair value	(254,830,000)	(134,129,000)
Savings deposits, fair value	(156,752,000)	(154,532,000)
NOW money market accounts, fair value	(578,636,000)	(690,193,000)
Certificates of deposit, fair value	(222,026,000)	(232,588,000)
Borrowings, fair value	(64,318,000)	(12,908,000)
Accrued interest payable, fair value	(39,000)	(89,000)
Estimated Fair Value [Member] \| Fair Value, Inputs, Level 3 [Member]
Financial assets
Cash and cash equivalents, fair value	0	0
Securities, fair value	0	0
Loans receivable, net of allowance for loan losses, fair value	513,000	4,344,000
Accounts interest receivable, fair value	0	0
Financial liabilities
Non-interest-bearing demand deposits, fair value	0	0
Savings deposits, fair value	0	0
NOW money market accounts, fair value	0	0
Certificates of deposit, fair value	0	0
Borrowings, fair value	0	0
Accrued interest payable, fair value	0	0
Equity Funds [Member]
Financial assets
Securities, carrying amount	507,000	509,000
Fair Value, Measurements, Nonrecurring [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair value of mortgage servicing rights	281,000	160,000
Financial assets
Securities, carrying amount	114,753,000	121,174,000
Fair Value, Measurements, Nonrecurring [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair value of mortgage servicing rights	0	0
Financial assets
Securities, carrying amount	507,000	509,000
Fair Value, Measurements, Nonrecurring [Member] \| Level 2 [Member]
Financial assets
Securities, carrying amount	114,246,000	120,665,000
Fair Value, Measurements, Nonrecurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair value of mortgage servicing rights		0
Financial assets
Securities, carrying amount	0	0
Fair Value, Measurements, Nonrecurring [Member] \| Collateralized Mortgage Obligations Residential [Member]
Financial assets
Securities, carrying amount	7,142,000	9,976,000
Fair Value, Measurements, Nonrecurring [Member] \| Collateralized Mortgage Obligations Residential [Member] \| Fair Value, Inputs, Level 1 [Member]
Financial assets
Securities, carrying amount	0	0
Fair Value, Measurements, Nonrecurring [Member] \| Collateralized Mortgage Obligations Residential [Member] \| Fair Value, Inputs, Level 3 [Member]
Financial assets
Securities, carrying amount	0	0
Mortgage servicing rights [Member] \| Fair Value, Measurements, Nonrecurring [Member] \| Level 2 [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair value of mortgage servicing rights	281,000	$ 160,000
Mortgage servicing rights [Member] \| Fair Value, Measurements, Nonrecurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair value of mortgage servicing rights	$ 0

Fair Value - Narratives (Details) - USD ($)	12 Months Ended
Fair Value - Narratives (Details) - USD ($)	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans Carrying Amount	$ 600,000	$ 4,800,000
other real estate owned with an allowance at carrying value before valuation allowance	2,500,000	3,000,000
Impaired loans, valuation allowance	0	500,000
Provision for Loan and Lease Losses	400,000	100,000
Other real estate owned at carrying value	7,011,000	6,358,000	$ 6,306,000
Real Estate Acquired Through Foreclosure Fair Value	1,664,000	2,199,000
Real Estate Owned, Valuation Allowance, Valuation Increase	548,000	438,000
Other Real Estate, Valuation Adjustments	548,000	448,000
Fair value of mortgage servicing rights	815,000
Servicing Asset At Amortized Fair Value	708,000	821,000
Mortgage servicing rights, pre-tax provision	3,000	8,000
Fair Value, Measurements, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Real Estate Acquired Through Foreclosure Fair Value	1,664,000	2,199,000
Fair value of mortgage servicing rights	281,000	160,000
Fair Value, Measurements, Nonrecurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Real Estate Acquired Through Foreclosure Fair Value	1,664,000	2,199,000
Fair value of mortgage servicing rights		$ 0
Mortgage servicing rights [Member] \| Fair Value, Measurements, Nonrecurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value of mortgage servicing rights	$ 0

Company Only Condensed Financial Information - Statements of Financial Condition (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Jun. 23, 2005
Assets
Loan receivable from ESOP					$ 19,600
Deferred Tax Assets, Net	$ 26,695	$ 31,643
Other assets	5,449	5,781
Total assets	1,512,443	1,465,410
Liabilities and Stockholders' Equity
Total stockholders’ equity	212,364	216,121	$ 175,627	$ 172,890
Total liabilities and stockholders' equity	1,512,443	1,465,410
Parent Company [Member]
Assets
Cash in subsidiary	15,309	9,724	$ 11,441	$ 11,848
Loan receivable from ESOP	11,799	12,791
Investment in subsidiary	183,039	192,182
Deferred Tax Assets, Net	1,865	1,082
Other assets	352	342
Total assets	212,364	216,121
Liabilities and Stockholders' Equity
Total liabilities and stockholders' equity	$ 212,364	$ 216,121

Company Only Condensed Financial Information - Statements of Operations (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Condensed Financial Statements, Captions [Line Items]
Interest Income (Expense), Net	$ 11,673	$ 11,448	$ 11,502	$ 11,525	$ 11,699	$ 11,622	$ 11,708	$ 11,274	$ 46,148	$ 46,303	$ 45,739
Other income	1,757	1,709	1,689	1,536	1,769	1,748	1,660	1,532	6,691	6,709	8,134
Other expense	11,169	10,232	10,031	10,513	10,941	11,157	10,982	11,371	41,945	44,451	51,262
Income (loss) before income taxes	3,299	3,881	3,648	3,272	3,283	3,626	1,429	959	14,100	9,297	3,298
Income tax expense (benefit)	$ 1,183	$ 1,532	$ 1,424	$ 1,286	$ (31,395)	$ 36	$ 25	$ 17	5,425	(31,317)	0
Parent Company [Member]
Condensed Financial Statements, Captions [Line Items]
Interest Income (Expense), Net									544	584	623
Cash Dividends Paid to Parent Company by Consolidated Subsidiaries									19,710
Other expense									1,536	1,451	1,473
Income (loss) before income taxes									18,718	(867)	(850)
Income tax expense (benefit)									(783)	(1,082)	0
Loss before equity in undistributed subsidiary income									19,501	215	(850)
Equity in undistributed subsidiary excess distributions									(10,826)	40,399	4,148
Net income (loss)									$ 8,675	$ 40,614	$ 3,298

Company Only Condensed Financial Information - Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Adjustments:
Change in other assets	$ 659	$ 2,874	$ (243)
Net Cash Provided by (Used in) Operating Activities	14,882	17,845	9,779
Cash flows from investing activities
Net cash from (used in) investing activities	(53,613)	(87,461)	(91,314)
Cash flows from financing activities
Repurchase and retirement of common stock	9,970	0	0
Cash dividends paid on common stock	(4,145)	(1,688)	(844)
Net cash used in financing activities	38,527	(31,760)	(33,272)
Parent Company [Member]
Cash flows from operating activities
Net income (loss)	8,675	40,614	3,298
Adjustments:
Equity in undistributed subsidiary excess distributions	10,826	(40,399)	(4,148)
Change in other assets	(793)	(1,172)	373
Change in accrued expenses and other liabilities	0	(23)	2
Net Cash Provided by (Used in) Operating Activities	18,708	(980)	(475)
Cash flows from investing activities
Principal payments received on ESOP loan	992	951	912
Net cash from (used in) investing activities	992	951	912
Cash flows from financing activities
Repurchase and retirement of common stock	9,970	0	0
Cash dividends paid on common stock	(4,145)	(1,688)	(844)
Net cash used in financing activities	(14,115)	(1,688)	(844)
Net change in cash in subsidiary	5,585	(1,717)	(407)
Beginning cash in subsidiary	9,724	11,441	11,848
Ending cash in subsidiary	$ 15,309	$ 9,724	$ 11,441

Selected Quarterly Financial Data (unaudited) (unaudited) (Details) - USD ($)	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Quarterly Financial Information Disclosure [Abstract]
Interest income	$ 12,411,000	$ 12,147,000	$ 12,193,000	$ 12,211,000	$ 12,413,000	$ 12,368,000	$ 12,482,000	$ 12,086,000	$ 48,962,000	$ 49,349,000	$ 49,392,000
Interest expense	738,000	699,000	691,000	686,000	714,000	746,000	774,000	812,000	2,814,000	3,046,000	3,653,000
Net interest income	11,673,000	11,448,000	11,502,000	11,525,000	11,699,000	11,622,000	11,708,000	11,274,000	46,148,000	46,303,000	45,739,000
Provision for (recovery of) loan losses	(1,038,000)	(956,000)	(488,000)	(724,000)	(756,000)	(1,413,000)	957,000	476,000	(3,206,000)	(736,000)	(687,000)
Net interest income	12,711,000	12,404,000	11,990,000	12,249,000	12,455,000	13,035,000	10,751,000	10,798,000	49,354,000	47,039,000	46,426,000
Noninterest Income	1,757,000	1,709,000	1,689,000	1,536,000	1,769,000	1,748,000	1,660,000	1,532,000	6,691,000	6,709,000	8,134,000
Noninterest expense	11,169,000	10,232,000	10,031,000	10,513,000	10,941,000	11,157,000	10,982,000	11,371,000	41,945,000	44,451,000	51,262,000
Income (loss) before income taxes	3,299,000	3,881,000	3,648,000	3,272,000	3,283,000	3,626,000	1,429,000	959,000	14,100,000	9,297,000	3,298,000
Income tax expense (benefit)	1,183,000	1,532,000	1,424,000	1,286,000	(31,395,000)	36,000	25,000	17,000	5,425,000	(31,317,000)	0
Net income (loss)	$ 2,116,000	$ 2,349,000	$ 2,224,000	$ 1,986,000	$ 34,678,000	$ 3,590,000	$ 1,404,000	$ 942,000	$ 8,675,000	$ 40,614,000	$ 3,298,000
Earnings Per Share, Basic	$ 0.11	$ 0.12	$ 0.11	$ 0.10	$ 1.72	$ 0.17	$ 0.07	$ 0.05	$ 0.44	$ 2.01	$ 0.16
Diluted earnings (loss) per common share (usd per share)	$ 0.11	$ 0.12	$ 0.11	$ 0.10	$ 1.72	$ 0.17	$ 0.07	$ 0.05	$ 0.44	$ 2.01	$ 0.16

Selected Quarterly Financial Data (unaudited) (Narrative) (Details) - USD ($)	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Effect of Fourth Quarter Events [Line Items]
Net income (loss)	$ 2,116,000	$ 2,349,000	$ 2,224,000	$ 1,986,000	$ 34,678,000	$ 3,590,000	$ 1,404,000	$ 942,000	$ 8,675,000	$ 40,614,000	$ 3,298,000
Diluted earnings (loss) per common share (usd per share)	$ 0.11	$ 0.12	$ 0.11	$ 0.10	$ 1.72	$ 0.17	$ 0.07	$ 0.05	$ 0.44	$ 2.01	$ 0.16
Earnings Per Share, Basic	$ 0.11	$ 0.12	$ 0.11	$ 0.10	$ 1.72	$ 0.17	$ 0.07	$ 0.05	$ 0.44	$ 2.01	$ 0.16
Effective Income Tax Rate Reconciliation, Change in Deferred Tax Assets Valuation Allowance, Amount									$ 0	$ (35,117,000)	$ 1,310,000
Interest Income (Expense), Net	$ 11,673,000	$ 11,448,000	$ 11,502,000	$ 11,525,000	$ 11,699,000	$ 11,622,000	$ 11,708,000	$ 11,274,000	46,148,000	46,303,000	45,739,000
Provision for (recovery of) loan losses	(1,038,000)	$ (956,000)	$ (488,000)	$ (724,000)	(756,000)	$ (1,413,000)	$ 957,000	$ 476,000	(3,206,000)	(736,000)	(687,000)
Asset management costs	$ 522,000				$ 467,000				$ 681,000	$ 838,000	$ 2,638,000

- Definition

The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.

+ References + Details

Loans Receivable - Credit Quality Indicators (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable Credit Quality Indicators
Total loans	$ 1,240,327	$ 1,183,147
One-to-four family residential real estate loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	159,501	180,337
One to Four Family Residential Real Estate Loans-Owner occupied [Member] [Member]
Financing Receivable Credit Quality Indicators
Total loans	114,961	131,991
One-to-four family residential real estate loans - non-owner occupied loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	44,540	48,346
Multi-family mortgage loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	506,026	480,349
Multi Family Mortgage Loans excluding wholesale [Member] [Member]
Financing Receivable Credit Quality Indicators
Total loans	318,157	339,432
Wholesale commercial lending [Member]
Financing Receivable Credit Quality Indicators
Total loans	187,869	140,917
Nonresidential real estate loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	226,735	234,500
Construction loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	21	60
Land loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	1,292	1,825
Commercial loans - Secured [Member]
Financing Receivable Credit Quality Indicators
Total loans	29,991	24,799
Commercial loans - Unsecured [Member]
Financing Receivable Credit Quality Indicators
Total loans	31,809	24,770
Commercial Loans - Municipal loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	17,716	17,313
Commercial Leases - Investment Rated [Member]
Financing Receivable Credit Quality Indicators
Total loans	170,100	160,208
Commercial Leases - Below Investment Grade [Member]
Financing Receivable Credit Quality Indicators
Total loans	95,305	56,935
Consumer loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	1,831	2,051
Nonaccrual [Member]
Financing Receivable Credit Quality Indicators
Total loans	3,251	12,267
Nonaccrual [Member] \| One-to-four family residential real estate loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	1,936	4,228
Nonaccrual [Member] \| One-to-four family residential real estate loans - non-owner occupied loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	192	198
Nonaccrual [Member] \| Multi-family mortgage loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	828	4,515
Nonaccrual [Member] \| Wholesale commercial lending [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	0
Nonaccrual [Member] \| Nonresidential real estate loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	295	3,247
Nonaccrual [Member] \| Construction loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	0
Nonaccrual [Member] \| Land loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	0
Nonaccrual [Member] \| Commercial loans - Secured [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	76
Nonaccrual [Member] \| Commercial loans - Unsecured [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	0
Nonaccrual [Member] \| Commercial Loans - Municipal loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	0
Nonaccrual [Member] \| Commercial Leases - Investment Rated [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	0
Nonaccrual [Member] \| Commercial Leases - Below Investment Grade [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	0
Nonaccrual [Member] \| Consumer loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	3
Special Mention [Member]
Financing Receivable Credit Quality Indicators
Total loans	2,163	3,365
Special Mention [Member] \| One-to-four family residential real estate loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	615
Special Mention [Member] \| One-to-four family residential real estate loans - non-owner occupied loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	219	931
Special Mention [Member] \| Multi-family mortgage loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	344	609
Special Mention [Member] \| Wholesale commercial lending [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	0
Special Mention [Member] \| Nonresidential real estate loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	1,600	1,170
Special Mention [Member] \| Construction loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	0
Special Mention [Member] \| Land loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	0
Special Mention [Member] \| Commercial loans - Secured [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	40
Special Mention [Member] \| Commercial loans - Unsecured [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	0
Special Mention [Member] \| Commercial Loans - Municipal loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	0
Special Mention [Member] \| Commercial Leases - Investment Rated [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	0
Special Mention [Member] \| Commercial Leases - Below Investment Grade [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	0
Special Mention [Member] \| Consumer loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	0
Substandard [Member]
Financing Receivable Credit Quality Indicators
Total loans	12,451	13,975
Substandard [Member] \| One-to-four family residential real estate loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	576	1,046
Substandard [Member] \| One-to-four family residential real estate loans - non-owner occupied loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	271	964
Substandard [Member] \| Multi-family mortgage loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	4,656	3,430
Substandard [Member] \| Wholesale commercial lending [Member]
Financing Receivable Credit Quality Indicators
Total loans	511	519
Substandard [Member] \| Nonresidential real estate loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	4,981	6,698
Substandard [Member] \| Construction loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	0
Substandard [Member] \| Land loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	842	613
Substandard [Member] \| Commercial loans - Secured [Member]
Financing Receivable Credit Quality Indicators
Total loans	614	705
Substandard [Member] \| Commercial loans - Unsecured [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	0
Substandard [Member] \| Commercial Loans - Municipal loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	0
Substandard [Member] \| Commercial Leases - Investment Rated [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	0
Substandard [Member] \| Commercial Leases - Below Investment Grade [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	0
Substandard [Member] \| Consumer loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	0
Pass [Member]
Financing Receivable Credit Quality Indicators
Total loans	1,222,462	1,153,540
Pass [Member] \| One-to-four family residential real estate loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	112,449	126,102
Pass [Member] \| One-to-four family residential real estate loans - non-owner occupied loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	43,858	46,253
Pass [Member] \| Multi-family mortgage loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	312,329	330,878
Pass [Member] \| Wholesale commercial lending [Member]
Financing Receivable Credit Quality Indicators
Total loans	187,358	140,398
Pass [Member] \| Nonresidential real estate loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	219,859	223,385
Pass [Member] \| Construction loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	21	60
Pass [Member] \| Land loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	450	1,212
Pass [Member] \| Commercial loans - Secured [Member]
Financing Receivable Credit Quality Indicators
Total loans	29,377	23,978
Pass [Member] \| Commercial loans - Unsecured [Member]
Financing Receivable Credit Quality Indicators
Total loans	31,809	24,770
Pass [Member] \| Commercial Loans - Municipal loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	17,716	17,313
Pass [Member] \| Commercial Leases - Investment Rated [Member]
Financing Receivable Credit Quality Indicators
Total loans	170,100	160,208
Pass [Member] \| Commercial Leases - Below Investment Grade [Member]
Financing Receivable Credit Quality Indicators
Total loans	95,305	56,935
Pass [Member] \| Consumer loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	$ 1,831	$ 2,048

Fair Value - Financial Assets Accounted for at Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	$ 114,753	$ 121,174
Certificates of deposit [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	87,901	86,049
Equity Funds [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	507	509
Residential Mortgage Backed Securities [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	19,180	24,611
Collateralized Debt Obligations [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	7,142	9,976
SBA-guaranteed loan participation certificates [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	23	29
Nonrecurring [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	114,753	121,174
Nonrecurring [Member] \| Certificates of deposit [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	87,901	86,049
Nonrecurring [Member] \| Equity mutual fund [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	507	509
Nonrecurring [Member] \| Mortgage-backed securities - residential [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	19,180	24,611
Nonrecurring [Member] \| Collateralized mortgage obligations - residential [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	7,142	9,976
Nonrecurring [Member] \| SBA-guaranteed loan participation certificates [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	23	29
Nonrecurring [Member] \| Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	507	509
Nonrecurring [Member] \| Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] \| Certificates of deposit [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	0	0
Nonrecurring [Member] \| Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] \| Mortgage-backed securities - residential [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	0	0
Nonrecurring [Member] \| Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] \| Collateralized mortgage obligations - residential [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	0	0
Nonrecurring [Member] \| Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] \| SBA-guaranteed loan participation certificates [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	0	0
Nonrecurring [Member] \| Significant Observable Inputs (Level 2) [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	114,246	120,665
Nonrecurring [Member] \| Significant Observable Inputs (Level 2) [Member] \| Equity mutual fund [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	0	0
Nonrecurring [Member] \| Significant Unobservable Inputs (Level 3) [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	0	0
Nonrecurring [Member] \| Significant Unobservable Inputs (Level 3) [Member] \| Certificates of deposit [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	0	0
Nonrecurring [Member] \| Significant Unobservable Inputs (Level 3) [Member] \| Equity mutual fund [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	0	0
Nonrecurring [Member] \| Significant Unobservable Inputs (Level 3) [Member] \| Mortgage-backed securities - residential [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	0	0
Nonrecurring [Member] \| Significant Unobservable Inputs (Level 3) [Member] \| Collateralized mortgage obligations - residential [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	0	0
Nonrecurring [Member] \| Significant Unobservable Inputs (Level 3) [Member] \| SBA-guaranteed loan participation certificates [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	$ 0	$ 0

Fair Value - Assets Measured at Fair Value on a Non-Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Impaired loans	$ 513	$ 4,344
Fair Value, Other real estate owned	1,664	2,199
Mortgage servicing rights	815
Nonrecurring [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Impaired loans	513	4,344
Fair Value, Other real estate owned	1,664	2,199
Mortgage servicing rights	281	160
Nonrecurring [Member] \| One-to-four family residential real estate loans [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Impaired loans		70
Fair Value, Other real estate owned	42	55
Nonrecurring [Member] \| Multi-family mortgage loans [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Impaired loans	477	1,905
Fair Value, Other real estate owned	354	1,265
Nonrecurring [Member] \| Nonresidential real estate loans [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Impaired loans	36	2,369
Fair Value, Other real estate owned	474	126
Nonrecurring [Member] \| Land loans [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Other real estate owned	794	753
Nonrecurring [Member] \| Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Impaired loans	0	0
Fair Value, Other real estate owned	0	0
Mortgage servicing rights	0	0
Nonrecurring [Member] \| Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] \| One-to-four family residential real estate loans [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Impaired loans		0
Fair Value, Other real estate owned	0	0
Nonrecurring [Member] \| Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] \| Multi-family mortgage loans [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Impaired loans	0	0
Fair Value, Other real estate owned	0	0
Nonrecurring [Member] \| Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] \| Nonresidential real estate loans [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Impaired loans	0	0
Fair Value, Other real estate owned	0	0
Nonrecurring [Member] \| Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] \| Land loans [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Other real estate owned	0	0
Nonrecurring [Member] \| Significant Observable Inputs (Level 2) [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Impaired loans	0	0
Fair Value, Other real estate owned	0	0
Nonrecurring [Member] \| Significant Observable Inputs (Level 2) [Member] \| One-to-four family residential real estate loans [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Impaired loans		0
Fair Value, Other real estate owned	0	0
Nonrecurring [Member] \| Significant Observable Inputs (Level 2) [Member] \| Multi-family mortgage loans [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Impaired loans	0	0
Fair Value, Other real estate owned	0	0
Nonrecurring [Member] \| Significant Observable Inputs (Level 2) [Member] \| Nonresidential real estate loans [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Impaired loans	0	0
Fair Value, Other real estate owned	0	0
Nonrecurring [Member] \| Significant Observable Inputs (Level 2) [Member] \| Land loans [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Other real estate owned	0	0
Nonrecurring [Member] \| Significant Unobservable Inputs (Level 3) [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Impaired loans	513	4,344
Fair Value, Other real estate owned	1,664	2,199
Mortgage servicing rights		0
Nonrecurring [Member] \| Significant Unobservable Inputs (Level 3) [Member] \| One-to-four family residential real estate loans [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Impaired loans		70
Fair Value, Other real estate owned	42	55
Nonrecurring [Member] \| Significant Unobservable Inputs (Level 3) [Member] \| Multi-family mortgage loans [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Impaired loans	477	1,905
Fair Value, Other real estate owned	354	1,265
Nonrecurring [Member] \| Significant Unobservable Inputs (Level 3) [Member] \| Nonresidential real estate loans [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Impaired loans	36	2,369
Fair Value, Other real estate owned	474	126
Nonrecurring [Member] \| Significant Unobservable Inputs (Level 3) [Member] \| Land loans [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Other real estate owned	$ 794	$ 753