Document and Entity Information - USD ($) $ in Millions	12 Months Ended
Document and Entity Information - USD ($) $ in Millions	Dec. 31, 2016	Feb. 06, 2017	Jun. 30, 2016
Document and Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2016
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2016
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		19,263,336
Entity Well-known Seasoned Issuer	No
Entity Public Float			$ 201.3
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No

Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Assets
Cash and due from other financial institutions	$ 13,053	$ 13,192
Interest-bearing deposits in other financial institutions	83,631	46,185
Cash and cash equivalents	96,684	59,377
Securities, at fair value	107,212	114,753
Loans receivable, net of allowance for loan losses	1,312,952	1,232,257
Other real estate owned, net	3,895	7,011
Stock in Federal Home Loan Bank, at cost	11,650	6,257
Premises and equipment, net	31,413	32,726
Accrued interest receivable	4,381	4,226
Core deposit intangible	782	1,305
Bank owned life insurance	22,594	22,387
Deferred Tax Assets, Net	22,411	26,695
Other assets	6,063	5,449
Total assets	1,620,037	1,512,443
Deposits
Noninterest-bearing	249,539	254,830
Interest-bearing	1,089,851	958,089
Total deposits	1,339,390	1,212,919
Borrowings	51,069	64,318
Advance payments by borrowers taxes and insurance	11,041	11,528
Accrued interest payable and other liabilities	13,757	11,314
Total liabilities	1,415,257	1,300,079
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; 19,233,760 shares issued at December 31, 2016 and 20,297,317 shares issued at December 31, 2015	192	203
Additional paid-in capital	173,047	184,797
Retained earnings	39,483	36,114
Unearned Employee Stock Ownership Plan shares	(8,318)	(9,297)
Accumulated other comprehensive income	376	547
Total stockholders' equity	204,780	212,364
Total liabilities and stockholders' equity	$ 1,620,037	$ 1,512,443

Consolidated Statements of Financial Condition (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Statement of Financial Position [Abstract]
Allowance for loan losses	$ 8,127	$ 9,691
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	19,233,760	20,297,317

Consolidated Statements of Operations - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Interest and dividend income
Loans, including fees	$ 49,025	$ 47,488	$ 47,802
Securities	1,228	1,141	1,154
Other	675	333	393
Total interest income	50,928	48,962	49,349
Interest expense
Deposits	3,865	2,794	3,038
Borrowings	105	20	8
Total interest expense	3,970	2,814	3,046
Net interest income	46,958	46,148	46,303
Provision for (recovery of) loan losses	(239)	(3,206)	(736)
Net interest income	47,197	49,354	47,039
Noninterest income
Deposit service charges and fees	2,254	2,248	1,977
Other fee income	2,052	2,143	2,238
Insurance commissions and annuities income	302	386	431
Gain on sale of loans, net	75	102	158
Gain (loss) on sale of securities (includes $46 and $(7) accumulated other comprehensive income reclassifications for unrealized net gains (losses) on available for sale securities for the years ended December 31, 2016 and December 31, 2014, respectively)	46	0	(7)
Loan servicing fees	276	354	418
Amortization and impairment of servicing assets	(112)	(140)	(143)
Earnings on bank owned life insurance	207	194	235
Trust	674	712	683
Other	771	692	719
Total noninterest income	6,545	6,691	6,709
Noninterest expense
Compensation and benefits	22,755	22,222	22,874
Office occupancy and equipment	6,380	6,522	6,878
Advertising and public relations	870	991	1,107
Information technology	2,892	2,669	2,676
Supplies, telephone, and postage	1,364	1,586	1,579
Amortization of intangibles	523	550	578
Nonperforming asset management	399	681	838
Operations of other real estate owned	846	1,063	1,408
FDIC insurance premiums	755	904	1,416
Other	4,758	4,757	5,097
Total noninterest expense	41,542	41,945	44,451
Income (loss) before income taxes	12,200	14,100	9,297
Income tax expense (benefit)	4,698	5,425	(31,317)
Net income (loss)	$ 7,502	$ 8,675	$ 40,614
Basic earnings (loss) per common share (usd per share)	$ 0.40	$ 0.44	$ 2.01
Diluted earnings (loss) per common share (usd per share)	$ 0.39	$ 0.44	$ 2.01
Weighted average common shares outstanding (shares)	18,987,951	19,918,003	20,177,271
Diluted weighted average common shares outstanding (shares)	19,047,139	19,921,519	20,186,376

Consolidated Statements Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Statement of Comprehensive Income [Abstract]
Net income	$ 7,502	$ 8,675	$ 40,614
Unrealized holding gain (loss) on securities arising during the period	(233)	(339)	118
Tax effect	90	129	213
Net of tax	(143)	(210)	331
Reclassification adjustment for (gain) loss included in net income	(46)	0	7
Tax effect, included in income tax expense	18	0	0
Reclassification adjustment for (gain) loss included in net income, net of tax	(28)	0	7
Other comprehensive income (loss)	(171)	(210)	338
Comprehensive income	$ 7,331	$ 8,465	$ 40,952

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, 2013	$ 175,627	$ 211	$ 193,594	$ (7,342)	$ (11,255)	$ 419
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	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	8,675	0	0	8,675	0	0
Other comprehensive loss, net of tax effect	(210)	0	0	0	0	(210)
Nonvested stock awards-stock-based compensation expense	657	0	657	0	0	0
Repurchase and retirement of common stock	(9,970)	(8)	(9,962)
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
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	7,502	0	0	7,502	0	0
Other comprehensive loss, net of tax effect	(171)	0	0	0	0	(171)
Nonvested stock awards-stock-based compensation expense	982	0	982	0	0	0
Repurchase and retirement of common stock	(13,215)	(11)	(13,204)
Cash dividends declared on common stock	(4,133)	0	0	(4,133)	0	0
ESOP shares earned	1,451	0	472	0	979	0
Ending Balance at Dec. 31, 2016	$ 204,780	$ 192	$ 173,047	$ 39,483	$ (8,318)	$ 376

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Purchase and retirement of common stock (shares)	1,063,557	804,649	0
Cash dividends declared on common stock (usd per share)	$ 0.21	$ 0.2	$ 0.08

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Cash flows from operating activities
Net income	$ 7,502	$ 8,675	$ 40,614
Adjustments to reconcile to net loss to net cash from operating activities
Provision for (recovery of) loan losses	(239)	(3,206)	(736)
ESOP shares earned	1,451	1,236	1,160
Stock-based compensation expense	982	657	70
Depreciation and amortization	3,777	3,682	3,811
Amortization and accretion on securities and loans	(280)	(312)	(438)
Amortization of core deposit and other intangible assets	523	550	578
Amortization and impairment of servicing assets	112	140	143
Net change in net deferred loan origination costs	(42)	(422)	(229)
Net loss on sale of other real estate owned	(128)	(59)	35
Net gain on sale of loans	(75)	(102)	(158)
Net (gain) loss on sale of securities	(46)	0	7
Net (gain) loss on disposition of premises and equipment	(38)	1	(5)
Loans originated for sale	(2,310)	(3,838)	(5,323)
Proceeds from sale of loans	2,385	3,940	5,481
Other real estate owned valuation adjustments	314	548	438
Net change in:
Deferred income tax	4,390	5,079	(31,643)
Accrued interest receivable	(155)	(300)	7
Earnings on bank owned life insurance	(207)	(194)	(235)
Other assets	(1,418)	659	2,874
Accrued interest payable and other liabilities	2,443	(1,852)	1,394
Net Cash Provided by (Used in) Operating Activities	18,941	14,882	17,845
Securities
Proceeds from maturities	67,734	59,804	52,103
Proceeds from principal repayments	5,102	6,984	7,179
Proceeds from sales of securities	46	0	3,663
Purchases of securities	(65,617)	(60,744)	(73,142)
Loans receivable
Loan participations sold	6,195	3,350	0
Principal payments on loans receivable	495,391	441,820	432,571
Purchases of loans	(54,970)	0	0
Originated for investment	(543,740)	(509,018)	(513,384)
Proceeds from sale of loans	14,746	0	0
Purchase of Federal Home Loan Bank and Federal Reserve Bank stock	(5,393)	0	(189)
Proceeds from sale of other real estate owned	4,181	4,733	4,914
Purchases of premises and equipment, net	(696)	(542)	(1,176)
Net cash from (used in) investing activities	(77,021)	(53,613)	(87,461)
Cash flows from financing activities
Net change in deposits	126,471	1,206	(40,995)
Net change in borrowings	(13,249)	51,397	9,866
Net change in advance payments by borrowers for taxes and insurance	(487)	39	1,057
Repurchase and retirement of common stock	(13,215)	(9,970)	0
Cash dividends paid on common stock	(4,133)	(4,145)	(1,688)
Net cash used in financing activities	95,387	38,527	(31,760)
Net change in cash and cash equivalents	37,307	(204)	(101,376)
Beginning cash and cash equivalents	59,377	59,581	160,957
Ending cash and cash equivalents	96,684	59,377	59,581
Supplemental disclosures of cash flow information:
Interest paid	3,907	2,844	3,070
Income taxes paid	289	363	114
Income taxes refunded	9	7	0
Loans transferred to other real estate owned	$ 1,251	$ 5,875	$ 5,449

Summary of Significant Accounting Policies (Notes)

12 Months Ended

Dec. 31, 2016

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, N.A. (the “Bank”). On November 30, 2016, the Federal Reserve Board approved the Company's previously filed application to register as a Bank Holding Company. Following the receipt of the Federal Reserve Board's approval, the Company's wholly-owned subsidiary, BankFinancial F.S.B. met all existing conditions required for approval of the Bank's application to convert from a federal savings bank to a national bank. On November 30, 2016, the Office of the Comptroller of the Currency authorized the Bank to begin operations as a national bank. Accordingly, effective at 11:59 PM on November 30, 2016, BankFinancial Corporation is a registered Bank Holding Company and its wholly-owned bank subsidiary is operating as BankFinancial, National Association.

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”) and have been prepared in conformity with accounting principles generally accepted in the United States of America (“GAAP”). 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 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 (“FHLB”) Stock: The Bank is a member of the FHLB 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. FHLB of Chicago (“FHLBC”) stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are reported as income.

Federal Reserve Bank (“FRB”) Stock: The Bank is a member of its regional Federal Reserve Bank. FRB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are reported as income.

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 nonaccrual 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 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, 2016.

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.

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 nonperforming 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.

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.

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 $106.4 million and $125.1 million at December 31, 2016 and 2015, respectively. Custodial escrow balances maintained in connection with the foregoing loan servicing activities were $2.7 million and $3.4 million at at December 31, 2016 and 2015, respectively. Capitalized mortgage servicing rights are included in the other assets in the accompanying consolidated statement of financial condition. Servicing rights were $612,000 and $724,000 at December 31, 2016 and December 31, 2015, respectively, with no valuation allowance at December 31, 2016 and a $16,000 valuation allowance at December 31, 2015.

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, 2016, the Company had a net deferred tax asset of $22.4 million.

A tax position is recognized as a benefit only if it is "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 per Common Share: Basic earnings per common share is net income 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 per common share is net income 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, 2016.

Restrictions on Cash: Cash on hand or on deposit with the Federal Reserve Bank that 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: Comprehensive income consists of net income 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 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 to become effective for annual periods and interim periods within those annual periods beginning after December 15, 2017. We are currently evaluating the impact of adopting the new guidance on the consolidated financial statements. Our preliminary finding is that the new pronouncement will not have a significant impact on the consolidated financial statements as the majority of our business transactions will not be subject to this pronouncement.

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. Our preliminary finding is that the new pronouncement will not have a significant impact on our Statement of Operations. The pronouncement will require some revision to our disclosures within the consolidated financial statements and we are currently evaluating the impact.

In February 2016, the FASB issued ASU No. 2016-02, “Leases (Topic 842)” (“ASU 2016-02”). The standard requires a lessee to recognize assets and liabilities on the balance sheet for leases with lease terms greater than 12 months. ASU 2016-02 is effective for fiscal years, and interim periods within those years, beginning after December 15, 2018, and early adoption is permitted. We are currently evaluating the impact that the standard will have on our consolidated financial statements. Our preliminary finding is that the new pronouncement will not have a significant impact on our consolidated financial statements as the projected minimum lease payments under existing leases subject to the new pronouncement are less than one percent of our current total assets.

In March 2016, the FASB issued ASU No. 2016-09, “Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting” (“ASU 2016-09”). The standard is intended to simplify several areas of accounting for share-based compensation arrangements, including the income tax impact, classification on the statement of cash flows and forfeitures. ASU 2016-09 is effective for fiscal years, and interim periods within those years, beginning after December 15, 2016, and early adoption is permitted. We are currently evaluating the impact that the standard will have on our consolidated financial statements. Our preliminary finding is that the new pronouncement will reduce the effective tax rate reported as existing vested stock options are exercised. The amount of the impact on the effective tax rate will be determined by the number of stock options exercised and the stock price of the Company when the stock options are exercised.

In June 2016, the FASB issued ASU No. 2016-13, “Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments” (“ASU 2016-13”). These amendments require the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, the ASU amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. ASU 2016-13 is effective for SEC filers for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019 (i.e., January 1, 2020, for calendar year entities). Early application will be permitted for all organizations for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. We are currently evaluating the impact that the standard will have on our consolidated financial statements. Our initial review indicates that we have maintained sufficient historical loan data to support the requirements of this pronouncement. We are currently evaluating various loss methodologies to determine their correlation to our various loan categories historical performance.

Earnings Per Share (Notes)

12 Months Ended

Dec. 31, 2016

Earnings Per Share [Abstract]

Earnings 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,
	2016			2015			2014
Net income available to common stockholders	$	7,502		$	8,675		$	40,614
Average common shares outstanding	19,673,416			20,708,775			21,101,966
Less:
Unearned ESOP shares	(682,362		)	(780,227		)	(905,235		)
Unvested restricted stock shares	(3,103		)	(10,545		)	(19,460		)
Weighted average common shares outstanding	18,987,951			19,918,003			20,177,271
Add - Net effect of dilutive stock options and unvested restricted stock	59,188			3,516			9,105
Weighted average dilutive common shares outstanding	19,047,139			19,921,519			20,186,376
Basic earnings per common share	$	0.40		$	0.44		$	2.01
Diluted earnings per common share	$	0.39		$	0.44		$	2.01
Number of antidilutive stock options excluded from the diluted earnings per share calculation	536,459			536,459			—
Weighted average exercise price of anti-dilutive option shares	$	12.99		$	12.99		$	—

Securities (Notes)

12 Months Ended

Dec. 31, 2016

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, 2016
Certificates of deposit	$	85,938	$	—	$	—		$	85,938
Equity mutual fund	500		—		(1		)	499
Mortgage-backed securities - residential	14,561		644		(21		)	15,184
Collateralized mortgage obligations - residential	5,587		15		(28		)	5,574
SBA-guaranteed loan participation certificates	17		—		—			17
	$	106,603	$	659	$	(50	)	$	107,212
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

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, 2016 and 2015.

The amortized cost and fair values of securities at December 31, 2016 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, 2016
	Amortized Cost		Fair Value
Due in one year or less	$	85,938	$	85,938
Mortgage-backed securities - residential	14,561		15,184
Collateralized mortgage obligations - residential	5,587		5,574
SBA-guaranteed loan participation certificates	17		17
	$	106,103	$	106,713

Investment securities available for sale with carrying amounts of $4.7 million and $6.0 million at December 31, 2016 and 2015, 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,
	2016		2015		2014
Proceeds	$	46	$	—	$	3,663
Gross gains	46		—		—
Gross losses	—		—		7

Securities with unrealized losses at December 31, 2016 and 2015 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, 2016
Equity mutual fund	$	499	$	(1	)	$	—	$	—		$	499	$	(1	)
Mortgage-backed securities - residential	1,187		(21		)	—		—			1,187		(21		)
Collateralized mortgage obligations - residential	3,691		(18		)	1,028		(10		)	4,719		(28		)
	$	5,377	$	(40	)	$	1,028	$	(10	)	$	6,405	$	(50	)

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	)

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.

An equity mutual fund and 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, 2016, 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, 2016

Receivables [Abstract]

Loans Receivable

Loans receivable are as follows:



	December 31,
	2016			2015
One-to-four family residential real estate	$	135,218		$	159,501
Multi-family mortgage	542,887			506,026
Nonresidential real estate	182,152			226,735
Construction and land	1,302			1,313
Commercial loans	103,063			79,516
Commercial leases	352,539			265,405
Consumer	2,255			1,831
	1,319,416			1,240,327
Net deferred loan origination costs	1,663			1,621
Allowance for loan losses	(8,127		)	(9,691		)
Loans, net	$	1,312,952		$	1,232,257

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 on real estate collateral, fire and extended coverage casualty insurance, and, if appropriate, flood insurance, in order to protect our security interest in the underlying real 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 $5.0 million. Approximately 46.5% 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 area. 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, 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 on multi-family mortgage loans if the borrower/property owner is a legal entity.

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 usually pursued and obtained from nonresidential real estate borrowers.

Nonresidential real estate loans generally carry higher interest rates and have shorter terms than 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. In the event that the Company were to make any new construction and development loans, it would seek 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 if that portfolio were ever to increase in size.

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 $424,100 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 ability of the Company’s borrowers to repay their loans, and the value of the collateral securing such loans, could be adversely impacted by 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, 2016
One-to-four family residential real estate	$	—	$	1,168	$	1,168	$	4,962	$	130,256	$	135,218
Multi-family mortgage	—		3,647		3,647		787		542,100		542,887
Nonresidential real estate	26		1,768		1,794		260		181,892		182,152
Construction and land	—		32		32		—		1,302		1,302
Commercial loans	—		733		733		—		103,063		103,063
Commercial leases	—		714		714		—		352,539		352,539
Consumer	—		39		39		—		2,255		2,255
	$	26	$	8,101	$	8,127	$	6,009	$	1,313,407	1,319,416
Net deferred loan origination costs											1,663
Allowance for loan losses											(8,127		)
Loans, net											$	1,312,952



	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

Activity in the allowance for loan losses is as follows:



	For the years ended December 31,
	2016			2015			2014
Beginning balance	$	9,691		$	11,990		$	14,154
Loans charged off:
One-to-four family residential real estate	(539		)	(386		)	(873		)
Multi-family mortgage	(79		)	(198		)	(1,230		)
Nonresidential real estate	(1,718		)	(391		)	(1,727		)
Construction and land	—			—			(1		)
Commercial loans	—			(152		)	(123		)
Commercial leases	—			—			(8		)
Consumer	(25		)	(16		)	(12		)
	(2,361		)	(1,143		)	(3,974		)
Recoveries:
One-to-four family residential real estate	321			702			418
Multi-family mortgage	162			182			100
Nonresidential real estate	200			509			423
Construction and land	35			44			377
Commercial loans	309			611			1,225
Commercial leases	7			1			—
Consumer	2			1			3
	1,036			2,050			2,546
Net recoveries (charge-off)	(1,325		)	907			(1,428		)
Recovery of loan losses	(239		)	(3,206		)	(736		)
Ending balance	$	8,127		$	9,691		$	11,990

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, 2016
With no related allowance recorded
One-to-four family residential real estate	$	5,379	$	4,548	$	886	$	—	$	2,947	$	70
One-to-four family residential real estate - non-owner occupied	503		386		119		—		251		9
Multi-family mortgage	787		787		—		—		980		41
	6,669		5,721		1,005		—		4,178		120
With an allowance recorded
Nonresidential real estate	262		260		21		26		164		—
	262		260		21		26		164		—
	$	6,931	$	5,981	$	1,026	$	26	$	4,342	$	120



	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

Nonaccrual loans

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, 2016
One-to-four family residential real estate	$	2,861	$	2,483	$	—
One-to-four family residential real estate – non owner occupied	428		368		—
Multi-family mortgage	187		185		—
Nonresidential real estate	262		260		—
	$	3,738	$	3,296	$	—
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	$	—

Nonaccrual loans and impaired loans are defined differently. Some loans may be included in both categories, and some may only be included in one category. Nonaccrual loans include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans.

The Company’s reserve for uncollected loan interest was $199,000 and $181,000 at December 31, 2016 and 2015, respectively. 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.

Past Due Loans

The following tables present the aging of the recorded investment in past due loans at December 31, 2016 by class of loans:



	30-59 Days Past Due		60-89 Days Past Due		Greater Than 89 Days Past Due		Total Past Due		Loans Not Past Due		Total
One-to-four family residential real estate	$	984	$	335	$	2,235	$	3,554	$	92,665	$	96,219
One-to-four family residential real estate - non-owner occupied	664		114		368		1,146		37,179		38,325
Multi-family mortgage - Illinois	605		439		184		1,228		294,223		295,451
Multi-family mortgage - Other	—		—		—		—		243,944		243,944
Nonresidential real estate	—		—		260		260		178,644		178,904
Construction	—		—		—		—		950		950
Land	—		—		—		—		349		349
Commercial loans:
Regional Commercial Banking	—		—		—		—		36,086		36,086
Health Care	—		—		—		—		35,455		35,455
Direct Commercial Lessor	—		—		—		—		31,847		31,847
Commercial leases:					—
Investment-grade	51		—		—		51		269,430		269,481
Other	—		—		—		—		84,988		84,988
Consumer	—		—		—		—		2,263		2,263
Total	$	2,304	$	888	$	3,047	$	6,239	$	1,308,023	$	1,314,262

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



	30-59 Days Past Due		60-89 Days Past Due		Greater Than 89 Days 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-grade	50		363		—		413		170,859		171,272
Other	—		—		—		—		95,800		95,800
Consumer	21		—		—		21		1,819		1,840
	$	3,025	$	1,532	$	3,306	$	7,863	$	1,226,669	$	1,234,532

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 $341,000 of TDRs at December 31, 2016, compared to $2.7 million at December 31, 2015, with no specific valuation reserves allocated at December 31, 2016 and 2015. The Company had no outstanding commitments to borrowers whose loans are classified as TDRs. During the first quarter of 2016, 6 loans totaling $1.5 million were declassified as TDRs as they successfully met the regulatory criteria for removal from TDR status.

The following table presents loans classified as TDRs:



	December 31,
	2016		2015
One-to-four family residential real estate	$	205	$	1,385
Multi-family mortgage	—		1,119
Accrual troubled debt restructured loans	205		2,504
One-to-four family residential real estate	136		174
Nonaccrual troubled debt restructured loans	136		174
	$	341	$	2,678

During the years ending December 31, 2016 and 2015, 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,
	2016					2015
	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	1	$	63	$	63	6	$	401	$	274
Multi-family mortgage	—	—		—		1	615		615
	1	$	63	$	63	7	$	1,016	$	889



	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, 2016
One-to-four family residential real estate	$	—	$	63	$	—	$	63
For the year ended December 31, 2015
One-to-four family residential real estate	$	—	$	142	$	132	$	274
Commercial loans - secured	—		615		—		615
	$	—	$	757	$	132	$	889

The TDRs described in the above tables had no material impact on interest income, resulted in no change to the allowance for loan losses allocated and resulted in no charge offs for the year ended December 31, 2016. The TDRs described above had no impact on interest income, resulted in no change to the allowance for loan losses and resulted in charge offs of $127,000 for the year ended December 31, 2015.

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



	For the years ended December 31,
	2016			2015
	Number of loans	Recorded investment		Number of loans	Recorded investment
One-to-four family residential real estate	2	$	87	2	$	43

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, 2016 and 2015.

The terms of certain other loans were modified during the year ending December 31, 2016 in circumstances that did not meet the definition of a TDR. These loans have a total recorded investment of $868,000 and $1.9 million at December 31, 2016 and 2015. 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, 2016, 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	$	93,514	$	—	$	629	$	2,486	$	96,629
One-to-four family residential real estate - non-owner occupied	38,179		—		41		369		38,589
Multi-family mortgage - Illinois	297,826		122		1,048		187		299,183
Multi-family mortgage - Other	243,704		—		—		—		243,704
Nonresidential real estate	180,047		—		1,845		260		182,152
Construction	946		—		—		—		946
Land	356		—		—		—		356
Commercial loans:
Regional commercial banking	35,944		—		66		—		36,010
Health care	35,372		—		—		—		35,372
Direct commercial lessor	30,881		800		—		—		31,681
Commercial leases:
Investment-grade	268,022		—		—		—		268,022
Other	84,356		161		—		—		84,517
Consumer	2,255		—		—		—		2,255
	$	1,311,402	$	1,083	$	3,629	$	3,302	$	1,319,416

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-grade	170,100		—		—		—		170,100
Other	95,305		—		—		—		95,305
Consumer	1,831		—		—		—		1,831
	$	1,222,462	$	2,163	$	12,451	$	3,251	$	1,240,327

- 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, 2016

Other Real Estate Owned [Abstract]

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,
	2016			2015
Beginning balance	$	7,011		$	6,358
New foreclosed properties	1,251			5,875
Valuation adjustments	(314		)	(548		)
Sales	(4,053		)	(4,674		)
Ending balance	$	3,895		$	7,011



	December 31, 2016							December 31, 2015
	Balance		Valuation Allowance			Net OREO Balance		Balance		Valuation Allowance			Net OREO Balance
One–to–four family residential	$	1,702	$	(137	)	$	1,565	$	2,684	$	(63	)	$	2,621
Multi-family mortgage	370		—			370		1,025		(74		)	951
Nonresidential real estate	1,171		(105		)	1,066		1,986		(239		)	1,747
Land	1,101		(207		)	894		2,358		(666		)	1,692
	$	4,344	$	(449	)	$	3,895	$	8,053	$	(1,042	)	$	7,011

Activity in the valuation allowance is as follows:



	At and For the Years Ended December 31,
	2016			2015
Beginning of year	$	1,042		$	896
Additions charged to expense	314			548
Reductions from sales of other real estate owned	(907		)	(402		)
End of year	$	449		$	1,042

At December 31, 2016 and 2015, the balance of OREO includes no foreclosed residential real estate properties recorded as a result of obtaining physical possession of the property without title. At December 31, 2016 and 2015, the recorded investment of consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceeds are in process was $1.6 million and $1.8 million, respectively.

- 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=68051746&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=68051746&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=65884687&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 205
-SubTopic 10
-Section S99
-Paragraph 6
-Subparagraph (SX 210.5-04(c)(Schedule III))
-URI http://asc.fasb.org/extlink&oid=27047687&loc=d3e5864-122674

Reference 6: 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 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 970
-SubTopic 360
-Section S99
-Paragraph 1
-Subparagraph (SX 210.12-28)
-URI http://asc.fasb.org/extlink&oid=6590653&loc=d3e638233-123024

Reference 8: 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 9: 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(8))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

Premises and Equipment (Notes)

12 Months Ended

Dec. 31, 2016

Property, Plant, Equipment And Leases [Abstract]

Premises and Equipment

Year end premises and equipment are as follows:



	December 31,
	2016			2015
Land and land improvements	$	13,820		$	13,594
Buildings and improvements	37,416			37,316
Furniture and equipment	9,660			9,693
Computer equipment	4,058			7,224
	64,954			67,827
Accumulated depreciation	(33,541		)	(35,101		)
	$	31,413		$	32,726

Depreciation of premises and equipment was $2.0 million, $2.1 million and $2.2 million for the years ended December 31, 2016, 2015 and 2014, 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 $399,000, $393,000, and $387,000 in 2016, 2015, and 2014, respectively, excluding taxes, insurance, and maintenance. The projected minimum rental expense under existing leases, not including taxes, insurance, and maintenance, as of December 31, 2016 is as follows:



2017	$	469
2018	479
2019	471
2020	459
2021	464
Thereafter	4,243
	$	6,585

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



2017	$	8

Core Deposit Intangible (Notes)

12 Months Ended

Dec. 31, 2016

Goodwill and Intangible Assets Disclosure [Abstract]

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,
	2016			2015
Balance at the beginning of the year	$	1,305		$	1,855
Amortization	(523		)	(550		)
Additions	—			—
Net Carrying Value	$	782		$	1,305
Gross carrying amount	$	5,932		$	5,932
Accumulated amortization	(5,150		)	(4,627		)
Net Carrying Value	$	782		$	1,305

Aggregate amortization expense was $523,000, $550,000 and $578,000 for 2016, 2015 and 2014, respectively.

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



2017	$	496
2018	184
2019	61
2020	34
2021	7

- 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, 2016

Deposits [Abstract]

Deposits

Composition of deposits is as follows:



	December 31,
	2016		2015
Noninterest-bearing demand deposits	$	249,539	$	254,830
Savings deposits	160,002		156,752
Money market accounts	311,183		329,654
Interest-bearing NOW accounts	267,054		248,982
Certificates of deposit	351,612		222,701
	$	1,339,390	$	1,212,919

Time deposits that meet or exceed the FDIC Insurance limit of $250,000 were $18.7 million and $15.2 million at December 31, 2016 and 2015, respectively.

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



2017	$	236,859
2018	79,166
2019	19,508
2020	7,650
2021	8,429

Borrowings (Notes)

12 Months Ended

Dec. 31, 2016

Debt Disclosure [Abstract]

Borrowings

Year-end borrowed funds are as follows:



	December 31,
	2016				2015
	Contractual Rate		Amount		Contractual Rate		Amount
Fixed-rate advance from FHLBC, due within 1 year	0.67	%	$	50,000	0.29	%	$	62,000
Securities sold under agreements to repurchase	0.25		1,069		0.25		2,318
	0.66	%	$	51,069	0.28	%	$	64,318

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, 2016, $80.1 million and $354.3 million of first mortgage and multi-family mortgage loans, respectively, collateralized potential advances. At December 31, 2016, we had the ability to borrow an additional $357.4 million under our credit facilities with the FHLBC. The Company also had available pre-approved overnight federal funds borrowing. At December 31, 2016 and 2015, there was no outstanding balance on these lines.

Income Taxes (Notes)

12 Months Ended

Dec. 31, 2016

Income Tax Disclosure [Abstract]

Income Taxes

The income tax expense (benefit) is as follows:



	For the years ended December 31,
	2016		2015		2014
Current	$	308	$	346	$	363
Deferred expense (benefit)	4,390		5,079		3,437
Deferred tax valuation allowance	—		—		(35,117		)
Total income tax expense (benefit)	$	4,698	$	5,425	$	(31,317	)

A reconciliation of the provision for income taxes computed at the statutory federal corporate tax rate of 34% for 2016, 2015 and 2014 to the income tax expense (benefit) in the consolidated statements of operations follows:



	For the years ended December 31,
	2016			2015			2014
Expense computed at the statutory federal tax rate	$	4,148		$	4,794		$	3,161
State taxes and other, net	464			626			664
Bank owned life insurance	(70		)	(66		)	(80		)
ESOP/Share based compensation	156			71			55
Deferred tax valuation allowance	—			—			(35,117		)
	$	4,698		$	5,425		$	(31,317	)
Effective income tax rate	38.51		%	38.48		%	N.M.

N.M. Not Meaningful

Retained earnings at December 31, 2016 and 2015 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,
	2016			2015
Gross Deferred tax assets
Allowance for loan losses	$	3,117		$	3,716
Alternative minimum tax, general business credit and net operating loss carryforwards	20,857			24,799
Tax deductible goodwill and core deposit intangible	1,466			1,783
Other	2,540			2,237
	27,980			32,535
Gross Deferred tax liabilities
Net deferred loan origination costs	(1,874		)	(1,811		)
Purchase accounting adjustments	(2,644		)	(2,801		)
Other	(817		)	(888		)
Unrealized gain on securities	(234		)	(340		)
	(5,569		)	(5,840		)
	$	22,411		$	26,695

As of December 31, 2016 and 2015, the Company’s net deferred tax asset (“DTA”) was $22.4 million and $26.7 million, respectively.

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 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, any changes to the many variables that could impact future taxable income and the then applicable corporate tax rate. As of December 31, 2016 and 2015, management determined that it is more likely than not that the Company will be able to utilize the entire DTA. This could change if the U.S. Congress were to enact legislative changes that materially reduce the federal corporate income tax rate.

At December 31, 2016, the Company had a federal net operating loss carryforward of $34.2 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 $3.1 million alternative minimum tax credit carryforward that can be carried forward indefinitely, and a $29.7 million federal alternative minimum tax net operating loss carryforward which will begin to expire in 2032. In addition, at December 31, 2016 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 $7.8 million which will begin to expire in 2030. At December 31, 2016, the Company had a state net operating loss carryforward for the State of Illinois of $77.9 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,
	2016			2015
Beginning of year	$	108		$	79
Additions based on tax positions related to the current year	—			—
Additions for tax positions of prior years	—			29
Reductions due to the statute of limitations and reductions for tax positions of prior years	(51		)	—
End of year	$	57		$	108

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, 2016 and 2015, 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 various states where the Company does business. The Company is no longer subject to examination by the federal taxing authorities for years before 2013 and the Illinois taxing authorities for years before 2013.

Regulatory Matters (Notes)

12 Months Ended

Dec. 31, 2016

Banking and Thrift [Abstract]

Regulatory Matters

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, 2016
Total capital (to risk-weighted assets):
Consolidated	$	193,845	16.96	%	$	91,414	8.00	%	N/A		N/A
BankFinancial, NA	168,113		14.72		91,386		8.00		$	114,232	10.00	%
Tier 1 (core) capital (to risk-weighted assets):
Consolidated	185,718		16.25		68,560		6.00		N/A		N/A
BankFinancial, NA	159,986		14.01		68,539		6.00		91,386		8.00
Common Tier 1 (CET1)
Consolidated	185,718		16.25		51,420		4.50		N/A		N/A
BankFinancial, NA	159,986		14.01		51,404		4.50		74,251		6.50
Tier 1 (core) capital (to adjusted average total assets):
Consolidated	185,718		11.92		62,306		4.00		N/A		N/A
BankFinancial, NA	159,986		10.27		62,303		4.00		77,879		5.00
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

The Company and the Bank have each adopted Regulatory Capital Plans that require the Bank to maintain a Tier 1 leverage ratio of at least 7.5% and a total risk-based capital ratio of at least 10.5% (including the Capital Conservation Buffer ("CCB")).

The minimum capital ratios set forth in the Regulatory Capital Plans will be increased and other minimum capital requirements will be established if and as necessary. In accordance with the Regulatory 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 or the capital levels required for capital adequacy plus the CCB. The minimum CCB in 2016 is 0.625% and will increase 0.625% annually through 2019 to 2.5%. 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. As of December 31, 2016, the Bank and the Company were well-capitalized, with all capital ratios exceeding the well-capitalized requirement. There are no conditions or events that management believes have changed the Bank’s prompt corrective action capitalization category.

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, 2016

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, 2016 and 2015, including dividends and interest received on unallocated shares of $195,000 and $206,000 in 2016 and 2015, respectively.

Expense related to the ESOP, net of dividends and interest received on unallocated ESOP shares, was $1.3 million, $1.0 million and $1.1 million for the years ended December 31, 2016, 2015 and 2014, respectively.

Shares held by the ESOP were as follows:



	December 31,
	2016			2015
Allocated to participants	1,125,448			1,027,583
Distributed to participants	(313,223		)	(281,387		)
Unearned	831,852			929,717
Total ESOP shares	1,644,077			1,675,913
Fair value of unearned shares	$	12,328		$	11,742

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 $330,000, $308,000, and $348,000 were made for the years ended December 31, 2016, 2015 and 2014, respectively.

Equity Incentive Plans (Notes)

12 Months Ended

Dec. 31, 2016

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 Plan provided that no awards may be granted under the Plan after the ten years anniversary of the Effective Date, thus no further awards will be granted.

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. There were no grants issued in 2016.

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 $979,000 and $568,000 of stock-based compensation expenses relating to the granting of stock options for the year ended December 31, 2016 and 2015. There was no expense for the year ended December 31, 2014. As of December 31, 2016, there were 1,752,156 stock options outstanding. There are no stock options available for grant at December 31, 2016.

A summary of the activity in the stock option plan for 2016 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 granted	—	—
Stock options exercised	—	—
Stock options expired	—	—
Stock options forfeited	—	—
Stock options outstanding at December 31, 2016	1,752,156	$	12.30	0.48	$	4,422
Stock options exercisable at December 31, 2016	1,752,156	12.30		0.48	4,422
Fully vested and expected to vest	1,752,156	12.30		0.48	4,422

(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, 2016, there was no unrecognized compensation cost related to the nonvested stock options granted under the Plan.

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 $3,000, $70,000, and $70,000 of expenses relating to the grant of shares of restricted stock during the years ended December 31, 2016, 2015 and 2014, respectively. As of December 31, 2016, the total unrecognized compensation cost related to unvested shares of restricted stock was $8,000. The cost is expected to be recognized over a weighted average period of 9.1 months. There are no shares of restricted stock available for grant at December 31, 2016.



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, 2015	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
Shares granted	—		—
Shares vested	(6,994	)	—
Shares forfeited	—		—
Shares outstanding at December 31, 2016	940		$	8.14	0.74	$	14


(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.

- Definition

The entire disclosure for compensation-related costs for equity-based compensation, which may include disclosure of policies, compensation plan details, allocation of equity compensation, incentive distributions, equity-based arrangements to obtain goods and services, deferred compensation arrangements, employee stock ownership plan details and employee stock purchase plan details.

+ References + Details

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

12 Months Ended

Dec. 31, 2016

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,
	2016		2015
Financial instruments wherein contractual amounts represent credit risk
Commitments to extend credit	$	91,172	$	52,322
Standby letters of credit	1,305		1,075
Unused lines of credit	125,332		126,333
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 $71.0 million with interest rates ranging from 0.50% to 6.00% and maturities ranging from 1 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 funding the litigation escrow through a reduction of the ratio at which the Visa, Inc. Class B shares can be converted into publicly traded Class A common shares of Visa, Inc. Since the Class B shares were issued, Visa, Inc. has reduced the conversion ratio to provide additional funding for the litigation escrow. Class B shares can only be transferred to other financial institutions until the underlying litigation is finally resolved, and the transfers that have occurred to date have involved material discounts. 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, 2016

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.

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, 2016
Securities:
Certificates of deposit	$	—	$	85,938	$	—	$	85,938
Equity mutual fund	499		—		—		499
Mortgage-backed securities – residential	—		15,184		—		15,184
Collateralized mortgage obligations – residential	—		5,574		—		5,574
SBA-guaranteed loan participation certificates	—		17		—		17
	$	499	$	106,713	$	—	$	107,212
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

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, 2016
Impaired loans:
Nonresidential real estate	$	—	$	—	$	234	$	234
Impaired loans	$	—	$	—	$	234	$	234
Other real estate owned:
One–to–four family residential real estate	$	—	$	—	$	1,282	$	1,282
Nonresidential real estate	—		—		553		553
Land	—		—		47		47
Other real estate owned	$	—	$	—	$	1,882	$	1,882

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

Impaired loans, which are measured for impairment using the fair value of the collateral for collateral–dependent loans, had a carrying amount of $260,000, with a valuation allowance of $26,000 at December 31, 2016, compared to a carrying amount of $557,000 and a valuation allowance of $44,000 at December 31, 2015, resulting in a decrease in the provision for loan losses of $18,000 for the year ended December 31, 2016, compared to an decrease in the provision for loan losses of $426,000 for the year ended December 31, 2015.

OREO is carried at the lower of cost or fair value less costs to sell, had a carrying value of $2.3 million less a valuation allowance of $434,000, or $1.9 million, at December 31, 2016, compared to $2.5 million less a valuation allowance of $881,000, or $1.7 million at December 31, 2015. There were $314,000 and $548,000 of valuation allowance additions charged to expense of other real estate owned recorded for the years ended December 31, 2016 and 2015, respectively.

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, 2016:



	Fair Value		Valuation Technique	Unobservable Input	Range (Weighted Average)
Impaired loans
Nonresidential real estate	$	234	Sales comparison	Comparison between sales and income approaches	-10.2%
			Income approach	Cap Rate	8.5%
	$	234
Other real estate owned
One-to-four family residential real estate	$	1,282	Sales comparison	Discount applied to valuation	8.62% to 20.04% (11.9%)
Nonresidential real estate	553		Sales comparison	Comparison between sales and income approaches	-3.22% to 4.58% (3.7%)
Land	47		Sales comparison	Discount applied to valuation	5.74%-31.60% (25.2%)
	$	1,882



	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% to 17.24% (6%)
	$	1,664

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



			Fair Value Measurements at December 31, 2016 Using:
	Carrying Amount		Level 1		Level 2		Level 3		Total
Financial assets
Cash and cash equivalents	$	96,684	$	13,053	$	83,631	$	—	$	96,684
Securities	107,212		499		106,713		—		107,212
Loans receivable, net of allowance for loan losses	1,312,952		—		1,322,713		234		1,322,947
FHLBC and FRB stock	11,650		—		—		—		N/A
Accrued interest receivable	4,381		—		4,381		—		4,381
Financial liabilities
Noninterest-bearing demand deposits	$	249,539	$	—	$	249,539	$	—	$	249,539
Savings deposits	160,002		—		160,002		—		160,002
NOW and money market accounts	578,237		—		578,237		—		578,237
Certificates of deposit	351,612		—		350,593		—		350,593
Borrowings	51,069		—		50,015		—		50,015
Accrued interest payable	102		—		102		—		102



			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

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 and FRB Stock: It is not practicable to determine the fair value of FHLBC and FRB 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, 2016

Condensed Financial Information of Parent Company Only Disclosure [Abstract]

Company Only Condensed Financial Information

Condensed financial information of BankFinancial Corporation as of December 31, 2016 and 2015 and for the three years ended December 31, 2016 follows:

Condensed Statements of Financial Condition



	December 31,
	2016		2015
Assets
Cash in subsidiary	$	14,543	$	15,309
Loan receivable from ESOP	10,767		11,799
Investment in subsidiary	176,756		183,039
Deferred tax asset	2,367		1,865
Other assets	347		352
	$	204,780	$	212,364
Liabilities and Stockholders' Equity
Total stockholders’ equity	$	204,780	$	212,364

Condensed Statements of Operations



	For the years ended December 31,
	2016			2015			2014
Interest income	$	503		$	544		$	584
Dividends from subsidiary	16,888			19,710			—
Other expense	1,846			1,536			1,451
Income (loss) before income tax and undistributed subsidiary income	15,545			18,718			(867		)
Income tax benefit	(502		)	(783		)	(1,082		)
Income (loss) before equity in undistributed subsidiary income	16,047			19,501			215
Equity in undistributed subsidiary excess distributions	(8,545		)	(10,826		)	40,399
Net income	$	7,502		$	8,675		$	40,614

Condensed Statements of Cash Flows



	For the years ended December 31,
	2016			2015			2014
Cash flows from operating activities
Net income	$	7,502		$	8,675		$	40,614
Adjustments:
Equity in undistributed subsidiary excess distributions	8,545			10,826			(40,399		)
Change in other assets	(497		)	(793		)	(1,172		)
Change in accrued expenses and other liabilities	—			—			(23		)
Net cash from (used in) operating activities	15,550			18,708			(980		)
Cash flows from investing activities
Principal payments received on ESOP loan	1,032			992			951
Net cash from investing activities	1,032			992			951
Cash flows from financing activities
Repurchase and retirement of common stock	(13,215		)	(9,970		)	—
Cash dividends paid on common stock	(4,133		)	(4,145		)	(1,688		)
Net cash used in financing activities	(17,348		)	(14,115		)	(1,688		)
Net change in cash in subsidiary	(766		)	5,585			(1,717		)
Beginning cash in subsidiary	15,309			9,724			11,441
Ending cash in subsidiary	$	14,543		$	15,309		$	9,724

- Definition

The entire disclosure for condensed financial information, including the financial position, cash flows, and the results of operations of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document.

+ References + Details

Selected Quarterly Financial Data (unaudited) (Notes)

12 Months Ended

Dec. 31, 2016

Quarterly Financial Information Disclosure [Abstract]

Selected Quarterly Financial Data (unaudited)



	For the year ended December 31, 2016
	First Quarter			Second Quarter		Third Quarter			Fourth Quarter
Interest income	$	12,759		$	12,581	$	12,845		$	12,743
Interest expense	856			952		1,014			1,148
Net interest income	11,903			11,629		11,831			11,595
Provision for (recovery of) loan losses	(490		)	1,315		(525		)	(539		)
Net interest income	12,393			10,314		12,356			12,134
Noninterest income	1,594			1,537		1,637			1,777
Noninterest expense	10,930			10,506		9,912			10,194
Income before income taxes	3,057			1,345		4,081			3,717
Income tax expense	1,153			514		1,573			1,458
Net income	$	1,904		$	831	$	2,508		$	2,259
Basic earnings per common share	$	0.10		$	0.04	$	0.13		$	0.12
Diluted earnings per common share	$	0.10		$	0.04	$	0.13		$	0.12

The Company recorded net income of $2.3 million, or $0.12 per common share, for the fourth quarter of 2016. The Company’s net interest income before provision for loan losses was $11.6 million due to stronger loan originations and improved asset quality, which was offset by increased interest bearing liabilities at higher cost of funds. The Company’s fourth quarter 2016 operating results included a $539,000 recovery of loan losses. Noninterest expense included gains on REO sales of $113,000 and $177,000 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
Provision for (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 (benefit)	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

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.

Summary of Significant Accounting Policies (Policies)

12 Months Ended

Dec. 31, 2016

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


•	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.

Uncollected Interest, Policy [Policy Text Block]

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

This analysis is updated quarterly and adjusted as necessary. At December 31, 2016, the Company had a net deferred tax asset of $22.4 million.

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 that 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

Earnings Per Share (Tables)

12 Months Ended

Dec. 31, 2016

Earnings Per Share [Abstract]

Reconciliation of Basic and Diluted Earnings Per Share



	For the years ended December 31,
	2016			2015			2014
Net income available to common stockholders	$	7,502		$	8,675		$	40,614
Average common shares outstanding	19,673,416			20,708,775			21,101,966
Less:
Unearned ESOP shares	(682,362		)	(780,227		)	(905,235		)
Unvested restricted stock shares	(3,103		)	(10,545		)	(19,460		)
Weighted average common shares outstanding	18,987,951			19,918,003			20,177,271
Add - Net effect of dilutive stock options and unvested restricted stock	59,188			3,516			9,105
Weighted average dilutive common shares outstanding	19,047,139			19,921,519			20,186,376
Basic earnings per common share	$	0.40		$	0.44		$	2.01
Diluted earnings per common share	$	0.39		$	0.44		$	2.01
Number of antidilutive stock options excluded from the diluted earnings per share calculation	536,459			536,459			—
Weighted average exercise price of anti-dilutive option shares	$	12.99		$	12.99		$	—

Securities (Tables)

12 Months Ended

Dec. 31, 2016

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, 2016
Certificates of deposit	$	85,938	$	—	$	—		$	85,938
Equity mutual fund	500		—		(1		)	499
Mortgage-backed securities - residential	14,561		644		(21		)	15,184
Collateralized mortgage obligations - residential	5,587		15		(28		)	5,574
SBA-guaranteed loan participation certificates	17		—		—			17
	$	106,603	$	659	$	(50	)	$	107,212
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

Amortized cost and fair values of securities

Sales of securities were as follows:



	For the years ended December 31,
	2016		2015		2014
Proceeds	$	46	$	—	$	3,663
Gross gains	46		—		—
Gross losses	—		—		7



	December 31, 2016
	Amortized Cost		Fair Value
Due in one year or less	$	85,938	$	85,938
Mortgage-backed securities - residential	14,561		15,184
Collateralized mortgage obligations - residential	5,587		5,574
SBA-guaranteed loan participation certificates	17		17
	$	106,103	$	106,713

Securities with unrealized losses

Securities with unrealized losses at December 31, 2016 and 2015 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, 2016
Equity mutual fund	$	499	$	(1	)	$	—	$	—		$	499	$	(1	)
Mortgage-backed securities - residential	1,187		(21		)	—		—			1,187		(21		)
Collateralized mortgage obligations - residential	3,691		(18		)	1,028		(10		)	4,719		(28		)
	$	5,377	$	(40	)	$	1,028	$	(10	)	$	6,405	$	(50	)

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	)

- 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, 2016

Receivables [Abstract]

Loans receivable

Loans receivable are as follows:



	December 31,
	2016			2015
One-to-four family residential real estate	$	135,218		$	159,501
Multi-family mortgage	542,887			506,026
Nonresidential real estate	182,152			226,735
Construction and land	1,302			1,313
Commercial loans	103,063			79,516
Commercial leases	352,539			265,405
Consumer	2,255			1,831
	1,319,416			1,240,327
Net deferred loan origination costs	1,663			1,621
Allowance for loan losses	(8,127		)	(9,691		)
Loans, net	$	1,312,952		$	1,232,257

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, 2016
One-to-four family residential real estate	$	—	$	1,168	$	1,168	$	4,962	$	130,256	$	135,218
Multi-family mortgage	—		3,647		3,647		787		542,100		542,887
Nonresidential real estate	26		1,768		1,794		260		181,892		182,152
Construction and land	—		32		32		—		1,302		1,302
Commercial loans	—		733		733		—		103,063		103,063
Commercial leases	—		714		714		—		352,539		352,539
Consumer	—		39		39		—		2,255		2,255
	$	26	$	8,101	$	8,127	$	6,009	$	1,313,407	1,319,416
Net deferred loan origination costs											1,663
Allowance for loan losses											(8,127		)
Loans, net											$	1,312,952



	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

Activity in the allowance for loan losses is as follows:



	For the years ended December 31,
	2016			2015			2014
Beginning balance	$	9,691		$	11,990		$	14,154
Loans charged off:
One-to-four family residential real estate	(539		)	(386		)	(873		)
Multi-family mortgage	(79		)	(198		)	(1,230		)
Nonresidential real estate	(1,718		)	(391		)	(1,727		)
Construction and land	—			—			(1		)
Commercial loans	—			(152		)	(123		)
Commercial leases	—			—			(8		)
Consumer	(25		)	(16		)	(12		)
	(2,361		)	(1,143		)	(3,974		)
Recoveries:
One-to-four family residential real estate	321			702			418
Multi-family mortgage	162			182			100
Nonresidential real estate	200			509			423
Construction and land	35			44			377
Commercial loans	309			611			1,225
Commercial leases	7			1			—
Consumer	2			1			3
	1,036			2,050			2,546
Net recoveries (charge-off)	(1,325		)	907			(1,428		)
Recovery of loan losses	(239		)	(3,206		)	(736		)
Ending balance	$	8,127		$	9,691		$	11,990

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, 2016
With no related allowance recorded
One-to-four family residential real estate	$	5,379	$	4,548	$	886	$	—	$	2,947	$	70
One-to-four family residential real estate - non-owner occupied	503		386		119		—		251		9
Multi-family mortgage	787		787		—		—		980		41
	6,669		5,721		1,005		—		4,178		120
With an allowance recorded
Nonresidential real estate	262		260		21		26		164		—
	262		260		21		26		164		—
	$	6,931	$	5,981	$	1,026	$	26	$	4,342	$	120



	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

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, 2016
One-to-four family residential real estate	$	2,861	$	2,483	$	—
One-to-four family residential real estate – non owner occupied	428		368		—
Multi-family mortgage	187		185		—
Nonresidential real estate	262		260		—
	$	3,738	$	3,296	$	—
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	$	—

Past Due Financing Receivables

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



	30-59 Days Past Due		60-89 Days Past Due		Greater Than 89 Days 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-grade	50		363		—		413		170,859		171,272
Other	—		—		—		—		95,800		95,800
Consumer	21		—		—		21		1,819		1,840
	$	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 at December 31, 2016 by class of loans:



	30-59 Days Past Due		60-89 Days Past Due		Greater Than 89 Days Past Due		Total Past Due		Loans Not Past Due		Total
One-to-four family residential real estate	$	984	$	335	$	2,235	$	3,554	$	92,665	$	96,219
One-to-four family residential real estate - non-owner occupied	664		114		368		1,146		37,179		38,325
Multi-family mortgage - Illinois	605		439		184		1,228		294,223		295,451
Multi-family mortgage - Other	—		—		—		—		243,944		243,944
Nonresidential real estate	—		—		260		260		178,644		178,904
Construction	—		—		—		—		950		950
Land	—		—		—		—		349		349
Commercial loans:
Regional Commercial Banking	—		—		—		—		36,086		36,086
Health Care	—		—		—		—		35,455		35,455
Direct Commercial Lessor	—		—		—		—		31,847		31,847
Commercial leases:					—
Investment-grade	51		—		—		51		269,430		269,481
Other	—		—		—		—		84,988		84,988
Consumer	—		—		—		—		2,263		2,263
Total	$	2,304	$	888	$	3,047	$	6,239	$	1,308,023	$	1,314,262

Troubled Debt Restructurings on Financing Receivables

The following table presents loans classified as TDRs:



	December 31,
	2016		2015
One-to-four family residential real estate	$	205	$	1,385
Multi-family mortgage	—		1,119
Accrual troubled debt restructured loans	205		2,504
One-to-four family residential real estate	136		174
Nonaccrual troubled debt restructured loans	136		174
	$	341	$	2,678

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,
	2016					2015
	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	1	$	63	$	63	6	$	401	$	274
Multi-family mortgage	—	—		—		1	615		615
	1	$	63	$	63	7	$	1,016	$	889



	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, 2016
One-to-four family residential real estate	$	—	$	63	$	—	$	63
For the year ended December 31, 2015
One-to-four family residential real estate	$	—	$	142	$	132	$	274
Commercial loans - secured	—		615		—		615
	$	—	$	757	$	132	$	889

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,
	2016			2015
	Number of loans	Recorded investment		Number of loans	Recorded investment
One-to-four family residential real estate	2	$	87	2	$	43

Financing Receivable Credit Quality Indicators

As of December 31, 2016, 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	$	93,514	$	—	$	629	$	2,486	$	96,629
One-to-four family residential real estate - non-owner occupied	38,179		—		41		369		38,589
Multi-family mortgage - Illinois	297,826		122		1,048		187		299,183
Multi-family mortgage - Other	243,704		—		—		—		243,704
Nonresidential real estate	180,047		—		1,845		260		182,152
Construction	946		—		—		—		946
Land	356		—		—		—		356
Commercial loans:
Regional commercial banking	35,944		—		66		—		36,010
Health care	35,372		—		—		—		35,372
Direct commercial lessor	30,881		800		—		—		31,681
Commercial leases:
Investment-grade	268,022		—		—		—		268,022
Other	84,356		161		—		—		84,517
Consumer	2,255		—		—		—		2,255
	$	1,311,402	$	1,083	$	3,629	$	3,302	$	1,319,416

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-grade	170,100		—		—		—		170,100
Other	95,305		—		—		—		95,305
Consumer	1,831		—		—		—		1,831
	$	1,222,462	$	2,163	$	12,451	$	3,251	$	1,240,327

Other Real Estate (Tables)

12 Months Ended

Dec. 31, 2016

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,
	2016			2015
Beginning balance	$	7,011		$	6,358
New foreclosed properties	1,251			5,875
Valuation adjustments	(314		)	(548		)
Sales	(4,053		)	(4,674		)
Ending balance	$	3,895		$	7,011

Schedule of Real Estate Properties [Table Text Block]



	December 31, 2016							December 31, 2015
	Balance		Valuation Allowance			Net OREO Balance		Balance		Valuation Allowance			Net OREO Balance
One–to–four family residential	$	1,702	$	(137	)	$	1,565	$	2,684	$	(63	)	$	2,621
Multi-family mortgage	370		—			370		1,025		(74		)	951
Nonresidential real estate	1,171		(105		)	1,066		1,986		(239		)	1,747
Land	1,101		(207		)	894		2,358		(666		)	1,692
	$	4,344	$	(449	)	$	3,895	$	8,053	$	(1,042	)	$	7,011

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,
	2016			2015
Beginning of year	$	1,042		$	896
Additions charged to expense	314			548
Reductions from sales of other real estate owned	(907		)	(402		)
End of year	$	449		$	1,042

Premises and Equipment (Tables)

12 Months Ended

Dec. 31, 2016

Property, Plant, Equipment And Leases [Abstract]

Property, Plant and Equipment

Year end premises and equipment are as follows:



	December 31,
	2016			2015
Land and land improvements	$	13,820		$	13,594
Buildings and improvements	37,416			37,316
Furniture and equipment	9,660			9,693
Computer equipment	4,058			7,224
	64,954			67,827
Accumulated depreciation	(33,541		)	(35,101		)
	$	31,413		$	32,726

Schedule of Future Minimum Rental Payments and Receipts for Operating Leases

The projected minimum rental expense under existing leases, not including taxes, insurance, and maintenance, as of December 31, 2016 is as follows:



2017	$	469
2018	479
2019	471
2020	459
2021	464
Thereafter	4,243
	$	6,585

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



2017	$	8

Core Deposit Intangible (Tables)

12 Months Ended

Dec. 31, 2016

Goodwill and Intangible Assets Disclosure [Abstract]

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,
	2016			2015
Balance at the beginning of the year	$	1,305		$	1,855
Amortization	(523		)	(550		)
Additions	—			—
Net Carrying Value	$	782		$	1,305
Gross carrying amount	$	5,932		$	5,932
Accumulated amortization	(5,150		)	(4,627		)
Net Carrying Value	$	782		$	1,305

Schedule of Finite-Lived Intangible Assets, Future Amortization Expense

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



2017	$	496
2018	184
2019	61
2020	34
2021	7

Income Taxes (Tables)

12 Months Ended

Dec. 31, 2016

Income Tax Disclosure [Abstract]

Schedule of Income Tax Expense (Benefit)

The income tax expense (benefit) is as follows:



	For the years ended December 31,
	2016		2015		2014
Current	$	308	$	346	$	363
Deferred expense (benefit)	4,390		5,079		3,437
Deferred tax valuation allowance	—		—		(35,117		)
Total income tax expense (benefit)	$	4,698	$	5,425	$	(31,317	)

Schedule of Effective Income Tax Rate



	For the years ended December 31,
	2016			2015			2014
Expense computed at the statutory federal tax rate	$	4,148		$	4,794		$	3,161
State taxes and other, net	464			626			664
Bank owned life insurance	(70		)	(66		)	(80		)
ESOP/Share based compensation	156			71			55
Deferred tax valuation allowance	—			—			(35,117		)
	$	4,698		$	5,425		$	(31,317	)
Effective income tax rate	38.51		%	38.48		%	N.M.

N.M. Not Meaningful

Schedule of Deferred Assets And Liabilities

The net deferred tax asset is as follows:



	December 31,
	2016			2015
Gross Deferred tax assets
Allowance for loan losses	$	3,117		$	3,716
Alternative minimum tax, general business credit and net operating loss carryforwards	20,857			24,799
Tax deductible goodwill and core deposit intangible	1,466			1,783
Other	2,540			2,237
	27,980			32,535
Gross Deferred tax liabilities
Net deferred loan origination costs	(1,874		)	(1,811		)
Purchase accounting adjustments	(2,644		)	(2,801		)
Other	(817		)	(888		)
Unrealized gain on securities	(234		)	(340		)
	(5,569		)	(5,840		)
	$	22,411		$	26,695

Schedule of Unrecognized Tax Benefits

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



	December 31,
	2016			2015
Beginning of year	$	108		$	79
Additions based on tax positions related to the current year	—			—
Additions for tax positions of prior years	—			29
Reductions due to the statute of limitations and reductions for tax positions of prior years	(51		)	—
End of year	$	57		$	108

Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2016

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, 2016
Total capital (to risk-weighted assets):
Consolidated	$	193,845	16.96	%	$	91,414	8.00	%	N/A		N/A
BankFinancial, NA	168,113		14.72		91,386		8.00		$	114,232	10.00	%
Tier 1 (core) capital (to risk-weighted assets):
Consolidated	185,718		16.25		68,560		6.00		N/A		N/A
BankFinancial, NA	159,986		14.01		68,539		6.00		91,386		8.00
Common Tier 1 (CET1)
Consolidated	185,718		16.25		51,420		4.50		N/A		N/A
BankFinancial, NA	159,986		14.01		51,404		4.50		74,251		6.50
Tier 1 (core) capital (to adjusted average total assets):
Consolidated	185,718		11.92		62,306		4.00		N/A		N/A
BankFinancial, NA	159,986		10.27		62,303		4.00		77,879		5.00
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

Equity Incentive Plans (Tables)

12 Months Ended

Dec. 31, 2016

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

Valuation Assumptions

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	%

Schedule of Stock Option Activity

A summary of the activity in the stock option plan for 2016 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 granted	—	—
Stock options exercised	—	—
Stock options expired	—	—
Stock options forfeited	—	—
Stock options outstanding at December 31, 2016	1,752,156	$	12.30	0.48	$	4,422
Stock options exercisable at December 31, 2016	1,752,156	12.30		0.48	4,422
Fully vested and expected to vest	1,752,156	12.30		0.48	4,422

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, 2015	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
Shares granted	—		—
Shares vested	(6,994	)	—
Shares forfeited	—		—
Shares outstanding at December 31, 2016	940		$	8.14	0.74	$	14


(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, 2016

Commitments and Contingencies Disclosure [Abstract]

Schedule of Off-balance Sheet Instruments Outstanding

The contractual or notional amounts are as follows:



	December 31,
	2016		2015
Financial instruments wherein contractual amounts represent credit risk
Commitments to extend credit	$	91,172	$	52,322
Standby letters of credit	1,305		1,075
Unused lines of credit	125,332		126,333
Commitments to sell mortgages	—		64

Fair Value (Tables)

12 Months Ended

Dec. 31, 2016

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, 2016
Securities:
Certificates of deposit	$	—	$	85,938	$	—	$	85,938
Equity mutual fund	499		—		—		499
Mortgage-backed securities – residential	—		15,184		—		15,184
Collateralized mortgage obligations – residential	—		5,574		—		5,574
SBA-guaranteed loan participation certificates	—		17		—		17
	$	499	$	106,713	$	—	$	107,212
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

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, 2016
Impaired loans:
Nonresidential real estate	$	—	$	—	$	234	$	234
Impaired loans	$	—	$	—	$	234	$	234
Other real estate owned:
One–to–four family residential real estate	$	—	$	—	$	1,282	$	1,282
Nonresidential real estate	—		—		553		553
Land	—		—		47		47
Other real estate owned	$	—	$	—	$	1,882	$	1,882

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

Schedule of fair value quantitative information



	Fair Value		Valuation Technique	Unobservable Input	Range (Weighted Average)
Impaired loans
Nonresidential real estate	$	234	Sales comparison	Comparison between sales and income approaches	-10.2%
			Income approach	Cap Rate	8.5%
	$	234
Other real estate owned
One-to-four family residential real estate	$	1,282	Sales comparison	Discount applied to valuation	8.62% to 20.04% (11.9%)
Nonresidential real estate	553		Sales comparison	Comparison between sales and income approaches	-3.22% to 4.58% (3.7%)
Land	47		Sales comparison	Discount applied to valuation	5.74%-31.60% (25.2%)
	$	1,882

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, 2016 Using:
	Carrying Amount		Level 1		Level 2		Level 3		Total
Financial assets
Cash and cash equivalents	$	96,684	$	13,053	$	83,631	$	—	$	96,684
Securities	107,212		499		106,713		—		107,212
Loans receivable, net of allowance for loan losses	1,312,952		—		1,322,713		234		1,322,947
FHLBC and FRB stock	11,650		—		—		—		N/A
Accrued interest receivable	4,381		—		4,381		—		4,381
Financial liabilities
Noninterest-bearing demand deposits	$	249,539	$	—	$	249,539	$	—	$	249,539
Savings deposits	160,002		—		160,002		—		160,002
NOW and money market accounts	578,237		—		578,237		—		578,237
Certificates of deposit	351,612		—		350,593		—		350,593
Borrowings	51,069		—		50,015		—		50,015
Accrued interest payable	102		—		102		—		102



			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

Company Only Condensed Financial Information (Tables)

12 Months Ended

Dec. 31, 2016

Condensed Financial Information of Parent Company Only Disclosure [Abstract]

Condensed Statements of Financial Condition



	December 31,
	2016		2015
Assets
Cash in subsidiary	$	14,543	$	15,309
Loan receivable from ESOP	10,767		11,799
Investment in subsidiary	176,756		183,039
Deferred tax asset	2,367		1,865
Other assets	347		352
	$	204,780	$	212,364
Liabilities and Stockholders' Equity
Total stockholders’ equity	$	204,780	$	212,364

Condensed Statements of Operations



	For the years ended December 31,
	2016			2015			2014
Interest income	$	503		$	544		$	584
Dividends from subsidiary	16,888			19,710			—
Other expense	1,846			1,536			1,451
Income (loss) before income tax and undistributed subsidiary income	15,545			18,718			(867		)
Income tax benefit	(502		)	(783		)	(1,082		)
Income (loss) before equity in undistributed subsidiary income	16,047			19,501			215
Equity in undistributed subsidiary excess distributions	(8,545		)	(10,826		)	40,399
Net income	$	7,502		$	8,675		$	40,614

Condensed Statements of Cash Flows



	For the years ended December 31,
	2016			2015			2014
Cash flows from operating activities
Net income	$	7,502		$	8,675		$	40,614
Adjustments:
Equity in undistributed subsidiary excess distributions	8,545			10,826			(40,399		)
Change in other assets	(497		)	(793		)	(1,172		)
Change in accrued expenses and other liabilities	—			—			(23		)
Net cash from (used in) operating activities	15,550			18,708			(980		)
Cash flows from investing activities
Principal payments received on ESOP loan	1,032			992			951
Net cash from investing activities	1,032			992			951
Cash flows from financing activities
Repurchase and retirement of common stock	(13,215		)	(9,970		)	—
Cash dividends paid on common stock	(4,133		)	(4,145		)	(1,688		)
Net cash used in financing activities	(17,348		)	(14,115		)	(1,688		)
Net change in cash in subsidiary	(766		)	5,585			(1,717		)
Beginning cash in subsidiary	15,309			9,724			11,441
Ending cash in subsidiary	$	14,543		$	15,309		$	9,724

Selected Quarterly Financial Data (unaudited) (Tables)

12 Months Ended

Dec. 31, 2016

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
Provision for (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 (benefit)	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, 2016
	First Quarter			Second Quarter		Third Quarter			Fourth Quarter
Interest income	$	12,759		$	12,581	$	12,845		$	12,743
Interest expense	856			952		1,014			1,148
Net interest income	11,903			11,629		11,831			11,595
Provision for (recovery of) loan losses	(490		)	1,315		(525		)	(539		)
Net interest income	12,393			10,314		12,356			12,134
Noninterest income	1,594			1,537		1,637			1,777
Noninterest expense	10,930			10,506		9,912			10,194
Income before income taxes	3,057			1,345		4,081			3,717
Income tax expense	1,153			514		1,573			1,458
Net income	$	1,904		$	831	$	2,508		$	2,259
Basic earnings per common share	$	0.10		$	0.04	$	0.13		$	0.12
Diluted earnings per common share	$	0.10		$	0.04	$	0.13		$	0.12

Summary of Significant Accounting Policies - Mortgage Servicing Rights (Details) - USD ($)	Dec. 31, 2016	Dec. 31, 2015
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Principal Amount Outstanding of Loans Held-in-portfolio	$ 106,400,000	$ 125,100,000
Escrow deposit	2,700,000	3,400,000
Fair value of mortgage servicing rights	612,000	724,000
Valuation Allowance for Impairment of Recognized Servicing Assets, Balance	$ 0	$ 16,000

Summary of Significant Accounting Policies - Premises and Equipment (Details)	12 Months Ended
	Dec. 31, 2016
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, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Deferred Tax Assets, Net	$ 22,411				$ 26,695				$ 22,411	$ 26,695
Total income tax expense (benefit)	1,458	$ 1,573	$ 514	$ 1,153	1,183	$ 1,532	$ 1,424	$ 1,286	4,698	5,425	$ (31,317)
Unrecognized tax benefits	$ 57				$ 108				$ 57	$ 108	$ 79

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Earnings (Loss) Per Share, Basic and Diluted [Abstract]
Net income (loss) available to common stockholders	$ 2,259	$ 2,508	$ 831	$ 1,904	$ 2,116	$ 2,349	$ 2,224	$ 1,986	$ 7,502	$ 8,675	$ 40,614
Average common shares outstanding (shares)									19,673,416	20,708,775	21,101,966
Less:
Unearned ESOP shares (shares)									(682,362)	(780,227)	(905,235)
Unvested restricted stock shares (shares)									(3,103)	(10,545)	(19,460)
Weighted average common shares outstanding (shares)									18,987,951	19,918,003	20,177,271
Add - Net effect of dilutive stock options and unvested restricted stock									59,188	3,516	9,105
Weighted average diluted common shares outstanding (shares)									19,047,139	19,921,519	20,186,376
Basic earnings (loss) per common share (usd per share)	$ 0.12	$ 0.13	$ 0.04	$ 0.10	$ 0.11	$ 0.12	$ 0.11	$ 0.10	$ 0.40	$ 0.44	$ 2.01
Diluted earnings (loss) per common share (usd per share)	$ 0.12	$ 0.13	$ 0.04	$ 0.10	$ 0.11	$ 0.12	$ 0.11	$ 0.10	$ 0.39	$ 0.44	$ 2.01
Number of antidilutive stock options excluded from the diluted earnings per share calculation									536,459	536,459	0
Weighted average exercise price of anti-dilutive option shares									$ 12.99	$ 12.99	$ 0.00

Securities - Fair Value of Securites (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Unrealized gains and losses recognized in accumulated other comprehensive income (loss)
Amortized Cost	$ 106,603	$ 113,865
Available-for-sale Securities, Gross Unrealized Gain	659	928
Available-for-sale Securities, Gross Unrealized Losses	(50)	(40)
Available-for-sale Securities	107,212	114,753
Certificates of deposit [Member]
Unrealized gains and losses recognized in accumulated other comprehensive income (loss)
Amortized Cost	85,938	87,901
Available-for-sale Securities, Gross Unrealized Gain	0	0
Available-for-sale Securities, Gross Unrealized Losses	0	0
Available-for-sale Securities	85,938	87,901
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	0	7
Available-for-sale Securities, Gross Unrealized Losses	(1)	0
Available-for-sale Securities	499	507
Mortgage - backed securities - residential [Member]
Unrealized gains and losses recognized in accumulated other comprehensive income (loss)
Amortized Cost	14,561	18,330
Available-for-sale Securities, Gross Unrealized Gain	644	880
Available-for-sale Securities, Gross Unrealized Losses	(21)	(30)
Available-for-sale Securities	15,184	19,180
Collateralized mortgage obligations - residential [Member]
Unrealized gains and losses recognized in accumulated other comprehensive income (loss)
Amortized Cost	5,587	7,111
Available-for-sale Securities, Gross Unrealized Gain	15	41
Available-for-sale Securities, Gross Unrealized Losses	(28)	(10)
Available-for-sale Securities	5,574	7,142
SBA-guaranteed loan participation certificates [Member]
Unrealized gains and losses recognized in accumulated other comprehensive income (loss)
Amortized Cost	17	23
Available-for-sale Securities, Gross Unrealized Gain	0	0
Available-for-sale Securities, Gross Unrealized Losses	0	0
Available-for-sale Securities	$ 17	$ 23

Securities - Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities Pledged as Collateral	$ 4,700	$ 6,000
Amortized cost and fair values of securities
Total amortized cost	106,603	113,865
Available-for-sale Securities	107,212	114,753
Available-for-sale Debt Securities, Amortized Cost Basis	106,103
Available-for-sale Securities, Debt Securities	106,713
Certificates of Deposit [Member]
Amortized cost and fair values of securities
Total amortized cost	85,938	87,901
Available-for-sale Securities	85,938	87,901
Mortgage - backed securities - residential [Member]
Amortized cost and fair values of securities
Total amortized cost	14,561	18,330
Available-for-sale Securities	15,184	19,180
Collateralized mortgage obligations - residential [Member]
Amortized cost and fair values of securities
Total amortized cost	5,587	7,111
Available-for-sale Securities	5,574	7,142
SBA-guaranteed loan participation certificates [Member]
Amortized cost and fair values of securities
Total amortized cost	17	23
Available-for-sale Securities	$ 17	$ 23

Securities - Proceeds and Gross Gains (Losses) From Sale of Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Investments, Debt and Equity Securities [Abstract]
Proceeds	$ 46	$ 0	$ 3,663
Gross gains	46	0	0
Gross losses	$ 0	$ 0	$ 7

Securities - Unrealized Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Amortized cost and fair values of securities
Less than 12 Months, Fair Value	$ 5,377	$ 0
12 Months or More, Fair Value	1,028	3,023
Fair Value, Total	6,405	3,023
Unrealized loss of securities
Less than 12 Months, Unrealized Loss	(40)	0
12 Months or More, Unrealized Loss	(10)	(40)
Unrealized Loss, Total	(50)	(40)
Residential Mortgage Backed Securities [Member]
Amortized cost and fair values of securities
Less than 12 Months, Fair Value	1,187	0
Unrealized loss of securities
Less than 12 Months, Unrealized Loss	(21)	0
12 Months or More, Unrealized Loss	0	(30)
Unrealized Loss, Total	(21)	(30)
Mortgage Backed Securities Residential [Member]
Amortized cost and fair values of securities
12 Months or More, Fair Value	0	1,724
Fair Value, Total	1,187	1,724
Collateralized mortgage obligations - residential [Member]
Amortized cost and fair values of securities
Less than 12 Months, Fair Value	3,691	0
12 Months or More, Fair Value	1,028	1,299
Fair Value, Total	4,719	1,299
Unrealized loss of securities
Less than 12 Months, Unrealized Loss	(18)	0
12 Months or More, Unrealized Loss	(10)	(10)
Unrealized Loss, Total	(28)	$ (10)
Equity Funds [Member]
Amortized cost and fair values of securities
Less than 12 Months, Fair Value	499
12 Months or More, Fair Value	0
Fair Value, Total	499
Unrealized loss of securities
Less than 12 Months, Unrealized Loss	(1)
12 Months or More, Unrealized Loss	0
Unrealized Loss, Total	$ (1)

Loans Receivable (Details) - USD ($)	12 Months Ended
Loans Receivable (Details) - USD ($)	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Loans receivable
Total loans	$ 1,319,416,000	$ 1,240,327,000
Net deferred loan origination costs	1,663,000	1,621,000
Allowance for loan losses	(8,127,000)	(9,691,000)	$ (11,990,000)	$ (14,154,000)
Loans, net	1,312,952,000	1,232,257,000
One-to-four family residential real estate loans [Member]
Loans receivable
Total loans	135,218,000	159,501,000
Allowance for loan losses	(1,168,000)	(1,704,000)
Multi-family mortgage loans [Member]
Loans receivable
Total loans	542,887,000	506,026,000
Allowance for loan losses	(3,647,000)	(3,610,000)
Nonresidential Real Estate [Member]
Loans receivable
Total loans	182,152,000	226,735,000
Allowance for loan losses	(1,794,000)	(2,582,000)
Construction and land loans [Member]
Loans receivable
Total loans	1,302,000	1,313,000
Allowance for loan losses	(32,000)	(43,000)
Commercial loans [Member]
Loans receivable
Total loans	103,063,000	79,516,000
Allowance for loan losses	(733,000)	(654,000)
Commercial leases [Member]
Loans receivable
Total loans	352,539,000	265,405,000
Allowance for loan losses	(714,000)	(1,073,000)
Consumer loans [Member]
Loans receivable
Total loans	2,255,000	1,831,000
Allowance for loan losses	(39,000)	(25,000)
Nonresidential real estate loans [Member]
Loans receivable
Total loans	$ 182,152,000	$ 226,735,000
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	46.50%
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	$ 5,000,000.0
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	$ 424,000
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, 2016	Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, amount	$ 1,319,416,000	$ 1,240,327,000
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	$ 542,887,000	506,026,000
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	46.50%
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	$ 5,000,000.0
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	$ 182,152,000	226,735,000
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	424,000
Finance Leases Financing Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, amount	$ 352,539,000	$ 265,405,000
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, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Allowance for loan losses and the loans receivable by portfolio segment
Individually evaluated for impairment	$ 26	$ 44
Collectively evaluated for impairment	8,101	9,647
Allowance for loan losses	8,127	9,691	$ 11,990	$ 14,154
Individually evaluated for impairment	6,009	7,650
Collectively evaluated for impairment	1,313,407	1,232,677
Total loans	1,319,416	1,240,327
Net deferred loan origination costs	1,663	1,621
Loans, net	1,312,952	1,232,257
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	0
Collectively evaluated for impairment	1,168	1,704
Allowance for loan losses	1,168	1,704
Individually evaluated for impairment	4,962	2,672
Collectively evaluated for impairment	130,256	156,829
Total loans	135,218	159,501
Multi-family mortgage loans [Member]
Allowance for loan losses and the loans receivable by portfolio segment
Individually evaluated for impairment	0	41
Collectively evaluated for impairment	3,647	3,569
Allowance for loan losses	3,647	3,610
Individually evaluated for impairment	787	2,879
Collectively evaluated for impairment	542,100	503,147
Total loans	542,887	506,026
Nonresidential Real Estate [Member]
Allowance for loan losses and the loans receivable by portfolio segment
Individually evaluated for impairment	26	3
Collectively evaluated for impairment	1,768	2,579
Allowance for loan losses	1,794	2,582
Individually evaluated for impairment	260	2,099
Collectively evaluated for impairment	181,892	224,636
Total loans	182,152	226,735
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	32	43
Allowance for loan losses	32	43
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	1,302	1,313
Total loans	1,302	1,313
Commercial loans [Member]
Allowance for loan losses and the loans receivable by portfolio segment
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	733	654
Allowance for loan losses	733	654
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	103,063	79,516
Total loans	103,063	79,516
Commercial leases [Member]
Allowance for loan losses and the loans receivable by portfolio segment
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	714	1,073
Allowance for loan losses	714	1,073
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	352,539	265,405
Total loans	352,539	265,405
Consumer loans [Member]
Allowance for loan losses and the loans receivable by portfolio segment
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	39	25
Allowance for loan losses	39	25
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	2,255	1,831
Total loans	$ 2,255	$ 1,831

Loans Receivable - Activity in the Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance				$ 9,691				$ 11,990	$ 9,691	$ 11,990	$ 14,154
Loans charged off									(2,361)	(1,143)	(3,974)
Recoveries									1,036	2,050	2,546
Net charge-off									1,325	(907)	1,428
Provision for (recovery of) loan losses	$ (539)	$ (525)	$ 1,315	(490)	$ (1,038)	$ (956)	$ (488)	$ (724)	(239)	(3,206)	(736)
Ending balance	8,127				9,691				8,127	9,691	11,990
One-to-four family residential real estate loans [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance				1,704					1,704
Loans charged off									(539)	(386)	(873)
Recoveries									321	702	418
Ending balance	1,168				1,704				1,168	1,704
Multi-family mortgage loans [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance				3,610					3,610
Loans charged off									(79)	(198)	(1,230)
Recoveries									162	182	100
Ending balance	3,647				3,610				3,647	3,610
Nonresidential real estate loans [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Loans charged off									(1,718)	(391)	(1,727)
Recoveries									200	509	423
Construction and land loans [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance				43					43
Loans charged off									0	0	(1)
Recoveries									35	44	377
Ending balance	32				43				32	43
Commercial loans [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance				654					654
Loans charged off									0	(152)	(123)
Recoveries									309	611	1,225
Ending balance	733				654				733	654
Commercial leases [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance				1,073					1,073
Loans charged off									0	0	(8)
Recoveries									7	1	0
Ending balance	714				1,073				714	1,073
Consumer loans [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance				$ 25					25
Loans charged off									(25)	(16)	(12)
Recoveries									2	1	$ 3
Ending balance	$ 39				$ 25				$ 39	$ 25

Loans Receivable - Loans Individually Evaluated for Impairment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Loans individually evaluated for impairment by class loans
Loan Balance	$ 6,669	$ 7,666
Recorded Investment	5,721	7,051
Partial Charge-off	1,005	639
Average Investment in Impaired Loans	4,178	7,920
Interest Income Recognized	120	238
Loan Balance (With an allowance recorded)	262	580
Recorded Investment (With an allowance recorded)	260	557
Partial Charge-offs (With an allowance recorded)	21	27
Allowance for loan losses (With an allowance recorded)	26	44
Average Investment in Impaired Loans (With an allowance recorded)	164	2,620
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method	0	0
Impaired Loan, Total	6,931	8,246
Recorded Investment, Total	5,981	7,608
Partial Charge-offs, Total	1,026	666
Average Investment in Impaired Loans, Total	4,342	10,540
Interest Income Recognized, Total	120	238
One-to-four family residential real estate loans [Member]
Loans individually evaluated for impairment by class loans
Loan Balance	5,379	3,203
Recorded Investment	4,548	2,637
Partial Charge-off	886	637
Average Investment in Impaired Loans	2,947	2,708
Interest Income Recognized	70	24
Allowance for loan losses (With an allowance recorded)	0	0
One-to-four family residential real estate loans - non-owner occupied loans [Member]
Loans individually evaluated for impairment by class loans
Loan Balance	503	23
Recorded Investment	386	21
Partial Charge-off	119	2
Average Investment in Impaired Loans	251	859
Interest Income Recognized	9	0
Multi-family mortgage loans [Member]
Loans individually evaluated for impairment by class loans
Loan Balance	787	1,863
Recorded Investment	787	1,837
Partial Charge-off	0	0
Average Investment in Impaired Loans	980	1,962
Interest Income Recognized	41	78
Loan Balance (With an allowance recorded)		518
Recorded Investment (With an allowance recorded)		518
Partial Charge-offs (With an allowance recorded)		0
Allowance for loan losses (With an allowance recorded)	0	41
Average Investment in Impaired Loans (With an allowance recorded)		1,181
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method		0
Wholesale commercial lending [Member]
Loans individually evaluated for impairment by class loans
Loan Balance		511
Recorded Investment		507
Partial Charge-off		0
Average Investment in Impaired Loans		514
Interest Income Recognized		34
Nonresidential real estate loans [Member]
Loans individually evaluated for impairment by class loans
Loan Balance		2,066
Recorded Investment		2,049
Partial Charge-off		0
Average Investment in Impaired Loans		1,877
Interest Income Recognized		102
Loan Balance (With an allowance recorded)	262	62
Recorded Investment (With an allowance recorded)	260	39
Partial Charge-offs (With an allowance recorded)	21	27
Allowance for loan losses (With an allowance recorded)	26	3
Average Investment in Impaired Loans (With an allowance recorded)	164	1,439
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method	0	0
Consumer loans [Member]
Loans individually evaluated for impairment by class loans
Allowance for loan losses (With an allowance recorded)	$ 0	$ 0

Loans Receivable - Nonaccrual Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment, Past Due [Line Items]
Unpaid Principal Balance	$ 3,738	$ 3,949
Recorded Investment	3,296	3,572
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	2,861	2,704
Recorded Investment	2,483	2,263
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	428	92
Recorded Investment	368	192
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	187	829
Recorded Investment	185	821
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	262	324
Recorded Investment	260	296
Loans Past Due Over 90 Days, still accruing	$ 0	$ 0

Loans Receivable - Aging of Recorded Investments (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment, Past Due [Line Items]
Recorded Investment, Total Past Due	$ 6,239	$ 7,863
Recorded Investment, Loans Not Past Due	1,308,023	1,226,669
One-to-four family residential real estate loans - non-owner occupied loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Recorded Investment, Total Past Due	1,146	655
Recorded Investment, Loans Not Past Due	37,179	43,557
Multi-family mortgage loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Recorded Investment, Total Past Due	1,228	1,755
Recorded Investment, Loans Not Past Due	294,223	312,620
Construction loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Recorded Investment, Total Past Due		0
Recorded Investment, Loans Not Past Due	950	21
Land loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Recorded Investment, Total Past Due	0	0
Recorded Investment, Loans Not Past Due	349	1,279
Commercial loans - Secured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Recorded Investment, Total Past Due	0	154
Recorded Investment, Loans Not Past Due	36,086	29,890
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, 2016	Dec. 31, 2015
Troubled Debt Restructurings
Financing receivable modifications	$ 341	$ 2,678
Accrual Loans [Member]
Troubled Debt Restructurings
Financing receivable modifications	205	2,504
Non Accrual Loans [Member]
Troubled Debt Restructurings
Financing receivable modifications	136	174
One-to-four family residential real estate loans - non-owner occupied loans [Member] \| Accrual Loans [Member]
Troubled Debt Restructurings
Financing receivable modifications	205	1,385
One-to-four family residential real estate loans - non-owner occupied loans [Member] \| Non Accrual Loans [Member]
Troubled Debt Restructurings
Financing receivable modifications	136	174
Multi-family mortgage loans [Member] \| Accrual Loans [Member]
Troubled Debt Restructurings
Financing receivable modifications	$ 0	$ 1,119

Loans Receivable - Modified Troubled Debt Restructuring (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2016 USD ($) loan	Dec. 31, 2015 USD ($) loan
Financing Receivable, Modifications [Line Items]
Loans modified	$ 868	$ 1,900
Loans by class modified as TDRs
Number of Loans \| loan	1	7
Pre-Modification outstanding recorded investment	$ 63	$ 1,016
Post-Modification outstanding recorded investment	$ 63	889
Due to reduction in interest rate		0
Due to extension of maturity date		757
Due to permanent reduction in recorded investment		132
Total		$ 889
One-to-four family residential real estate loans [Member]
Loans by class modified as TDRs
Number of Loans \| loan	1	6
Pre-Modification outstanding recorded investment	$ 63	$ 401
Post-Modification outstanding recorded investment	63	274
Due to reduction in interest rate	0	0
Due to extension of maturity date	63	142
Due to permanent reduction in recorded investment	0	132
Total	$ 63	$ 274
Multi-family mortgage loans [Member]
Loans by class modified as TDRs
Number of Loans \| loan	0	1
Pre-Modification outstanding recorded investment	$ 0	$ 615
Post-Modification outstanding recorded investment	$ 0	615
Nonresidential real estate [Member]
Loans by class modified as TDRs
Due to permanent reduction in recorded investment		0
Commercial loans - Secured [Member]
Loans by class modified as TDRs
Due to reduction in interest rate		0
Due to extension of maturity date		615
Total		$ 615

Loans Receivable - Troubled Debt Restructuring - Payment Defaults (Details)	12 Months Ended
	Dec. 31, 2016 USD ($) loan	Dec. 31, 2015 USD ($) loan
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Increase In Allowance For Loan And Leases Losses	$ 0	$ 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	$ 87,000	$ 43,000

Loans Receivable - Narrative (Details)	3 Months Ended	12 Months Ended
Loans Receivable - Narrative (Details)	Mar. 31, 2016 USD ($) loan	Dec. 31, 2016 USD ($)	Dec. 31, 2015 USD ($)
Valuation and Qualifying Accounts Disclosure [Line Items]
Valuation of reserves allocation		$ 434,000	$ 881,000
Reserve For Uncollected Loan Interest		199,000	181,000
Financing receivable modifications		341,000	2,678,000
Outstanding Commitments To Borrowers Loans Classified As Troubled Debt Restructurings		0
Troubled Debt Restructurings Value Of Decreased Interest Income		0	0
Financing Receivable, Modifications, Increase In Allowance For Loan And Leases Losses		0	0
Increased value of allowances for loan losses		0	0
Charges regarding TDRs		0	127,000
Loans modified		868,000	1,900,000
Financing Receivable, Number of Contracts Declassified as Troubled Debt Restructurings \| loan	6
Financing Receivable, Recorded Investment Declassified as Troubled Debt Restructurings	$ 1,500,000
Allowance for Loan and Lease Losses [Member]
Valuation and Qualifying Accounts Disclosure [Line Items]
Valuation of reserves allocation		$ 0	$ 0

Other Real Estate (Details) - USD ($) $ in Thousands	12 Months Ended
Other Real Estate (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Other Real Estate, Disposals	$ (4,053)	$ (4,674)
other real estate owned at carrying value before valuation allowance	4,344	8,053
Real Estate Owned, Valuation Allowance	(449)	(1,042)	$ (896)
New foreclosed properties	1,251	5,875
Other Real Estate, Valuation Adjustments	(314)	(548)
Real Estate Owned, Valuation Allowance, Valuation Increase	314	548
reduction in valuation allowance for sales of OREO	(907)	(402)
Other Real Estate Owned At Carrying Value	3,895	7,011	$ 6,358
Mortgage Loans in Process of Foreclosure, Amount	1,600	1,800
One to Four Family Residential Real Estate Loans [Member]
other real estate owned at carrying value before valuation allowance	1,702	2,684
Real Estate Owned, Valuation Allowance	(137)	(63)
Other Real Estate Owned At Carrying Value	1,565	2,621
Multi Family Mortgage Loans [Member]
other real estate owned at carrying value before valuation allowance	370	1,025
Real Estate Owned, Valuation Allowance	0	(74)
Other Real Estate Owned At Carrying Value	370	951
Nonresidential Real Estate [Member]
other real estate owned at carrying value before valuation allowance	1,171	1,986
Real Estate Owned, Valuation Allowance	(105)	(239)
Other Real Estate Owned At Carrying Value	1,066	1,747
Land [Member]
other real estate owned at carrying value before valuation allowance	1,101	2,358
Real Estate Owned, Valuation Allowance	(207)	(666)
Other Real Estate Owned At Carrying Value	$ 894	$ 1,692

Premises and Equipment - Year End (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 64,954	$ 67,827
Accumulated depreciation	(33,541)	(35,101)
Property and equipment, net	31,413	32,726
Depreciation	2,000	2,100	$ 2,200
Land and land improvements [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	13,820	13,594
Building and building improvements [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	37,416	37,316
Furniture and equipment [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	9,660	9,693
Computer equipment [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 4,058	$ 7,224

Premises and Equipment - Schedule of Future Minimum Payments for Operating Leases (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Property, Plant, Equipment And Leases [Abstract]
Rent expense, net of sublease income	$ 399	$ 393	$ 387
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
2017	469
2018	479
2019	471
2020	459
2021	464
Thereafter	4,243
Total	$ 6,585

Core Deposit Intangible - Schedule of Finite-Lived Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2016	Dec. 31, 2015
Finite-lived Intangible Assets [Roll Forward]
Amortization	$ (523)	$ (550)	$ (578)
Core Deposits [Member]
Finite-lived Intangible Assets [Roll Forward]
Balance at the beginning of the year	1,305	1,855
Amortization	(523)	(550)	(578)
Additions	0	0
Net Carrying Value	$ 1,305	$ 1,855	$ 1,855	$ 782	$ 1,305
Gross carrying amount				5,932	5,932
Accumulated amortization				$ (5,150)	$ (4,627)

Core Deposit Intangible - Schedule of Finite-Lived Intangible Assets Amortization Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Acquired Finite-Lived Intangible Assets [Line Items]
Amortization of intangibles	$ 523	$ 550	$ 578
Core Deposits [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Amortization of intangibles	523	$ 550	$ 578
Finite-Lived Intangible Assets, Net, Amortization Expense, Fiscal Year Maturity [Abstract]
2015	496
2016	184
2017	61
2018	34
2019	$ 7

Deposits - Schedule of Deposits By Type (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Deposits [Abstract]
Noninterest-bearing demand deposits	$ 249,539	$ 254,830
Savings deposits	160,002	156,752
Money market accounts	311,183	329,654
Interest-bearing NOW accounts	267,054	248,982
Time Deposits	$ 351,612	$ 222,701

Deposits - Time Deposits, By Maturity (Details) $ in Thousands	Dec. 31, 2016 USD ($)
Deposits [Abstract]
2017	$ 236,859
2018	79,166
2019	19,508
2020	7,650
2021	$ 8,429

Repurchase Agreements (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Federal Home Loan Bank, Advances [Line Items]
Borrowings, Amount	$ 51,069	$ 64,318
Available-for-sale Securities Pledged as Collateral	4,700	6,000
Carrying Value of Federal Funds Purchased, Securities Sold under Agreements to Repurchase, and Deposits Received for Securities Loaned	1,069	2,318
Federal Home Loan Bank Advances [Member] \| Within 1 year [Member]
Federal Home Loan Bank, Advances [Line Items]
Borrowings, Amount	$ 50,000	$ 62,000

Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Debt Instrument [Line Items]
Borrowings, Contractual Rate	0.66%	0.28%
Borrowings, Amount	$ 51,069	$ 64,318
Available-for-sale Securities Pledged as Collateral	4,700	$ 6,000
First Mortgage [Member]
Debt Instrument [Line Items]
Collateral	80,100
Multi-family mortgage loans [Member]
Debt Instrument [Line Items]
Collateral	$ 354,300
Federal Home Loan Bank Advances [Member] \| Within 1 year [Member]
Debt Instrument [Line Items]
Borrowings, Contractual Rate	0.67%	0.29%
Borrowings, Amount	$ 50,000	$ 62,000
Securities Sold under Agreements to Repurchase [Member]
Debt Instrument [Line Items]
Borrowings, Contractual Rate	0.25%	0.25%
Borrowings, Amount	$ 1,069	$ 2,318
Federal Home Loan Bank Borrowings [Member]
Debt Instrument [Line Items]
Increase in line of credit	$ 357,400

Income Taxes - Schedule of Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Income Tax Disclosure [Abstract]
Current benefit									$ 308	$ 346	$ 363
Deferred benefit									4,390	5,079	3,437
Deferred tax valuation allowance									0	0	(35,117)
Total income tax expense (benefit)	$ 1,458	$ 1,573	$ 514	$ 1,153	$ 1,183	$ 1,532	$ 1,424	$ 1,286	$ 4,698	$ 5,425	$ (31,317)

Income Taxes - Schedule of Effective Income Tax Reconciliation (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Income Tax Disclosure [Abstract]
Statutory federal corporate tax rate									34.00%	34.00%	34.00%
Benefit computed at the statutory federal tax rate									$ 4,148	$ 4,794	$ 3,161
State taxes and other, net									464	626	664
Bank owned life insurance									(70)	(66)	(80)
ESOP/Share based compensation									156	71	55
Effective Income Tax Rate Reconciliation, Change in Deferred Tax Assets Valuation Allowance, Amount									0	0	(35,117)
Total income tax expense (benefit)	$ 1,458	$ 1,573	$ 514	$ 1,153	$ 1,183	$ 1,532	$ 1,424	$ 1,286	$ 4,698	$ 5,425	$ (31,317)
Effective income tax rate									38.51%	38.48%

Income Taxes - Schedule of Deferred Tax Assets, Net (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Gross Deferred tax assets:
Allowance for loan losses	$ 3,117	$ 3,716
Alternative minimum tax, general business credit and net operating loss carryforward	20,857	24,799
Tax deductible goodwill	1,466	1,783
Other	2,540	2,237
Total deferred tax assets, gross	27,980	32,535
Gross Deferred tax liabilities:
Net deferred loan origination costs	(1,874)	(1,811)
Purchase accounting adjustments	(2,644)	(2,801)
Other	(817)	(888)
Unrealized gain on securities	(234)	(340)
Gross deferred tax liabilities:	(5,569)	(5,840)
Net deferred tax asset	$ 22,411	$ 26,695

Income Taxes - Unrecognized Tax Balances Roll-forward (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Beginning of year	$ 108	$ 79
Additions based on tax positions related to the current year	0	0
Additions for tax positions of prior years	0	29
Reductions due to the statute of limitations	(51)	0
End of year	$ 57	$ 108

Income Taxes - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
Income Taxes - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Income Tax Disclosure [Abstract]
Deferred Tax Assets, Net	$ 22,411	$ 26,695
Valuation Allowance, Deferred Tax Asset, Increase (Decrease), Amount	0	0	$ 35,117
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, 2016 USD ($)
Alternative Minimum Tax Carryforward Axis [Member]
Tax Credit Carryforward [Line Items]
Tax credit carryforward	$ 3.1
Internal Revenue Service (IRS) [Member]
Tax Credit Carryforward [Line Items]
Operating loss carryforwards	34.2
Tax credit carryforward	1.3
Alternative minimum tax carryforward subject to expiration	29.7
State and Local Jurisdiction [Member]
Tax Credit Carryforward [Line Items]
Operating loss carryforwards	77.9
Downers Grove National Bank [Member]
Tax Credit Carryforward [Line Items]
Operating loss carryforwards	$ 7.8

Regulatory Matters - Requirements (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Risk Based Ratios [Abstract]
Common Tier 1 Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%	4.50%
BankFinancial F.S.B. [Member]
Capital [Abstract]
Total capital (to risk-weighted assets), Actual, Amount	$ 168,113	$ 171,239
Total capital (to risk-weighted assets), Minimum required To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	91,386	88,881
Total capital (to risk-weighted assets), Minimum Capital Ratios Established under Capital Plans, Amount	114,232	111,102
Tier One Risk Based Capital [Abstract]
Tier 1 (core) capital (to risk-weighted assets), Actual, Amount	159,986	161,545
Tier 1 (core) capital (to risk-weighted assets), Minimum required To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	68,539	66,661
Tier 1 (core) capital (to risk-weighted assets), Minimum Capital Ratios Established under Capital Plans, Amount	91,386	88,881
Tier One Leverage Capital [Abstract]
Tier 1 (core) capital (to adjusted average total assets), Actual, Amount	159,986	161,545
Tier 1 (core) capital (to adjusted average total assets), Minimum required To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	62,303	57,039
Tier 1 (core) capital (to adjusted average total assets), Minimum Capital Ratios Established under Capital Plans, Amount	$ 77,879	$ 71,299
Risk Based Ratios [Abstract]
Total capital (to risk-weighted assets), Actual, Ratio	14.72%	15.41%
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	14.01%	14.54%
Tier 1 (core) capital (to risk-weighted assets), Minimum required To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	6.00%	6.00%
Tier 1 (core) capital (to risk-weighted assets), Minimum Capital Ratios Established under Capital Plans, Ratio	8.00%	8.00%
CET common tier 1 equity	$ 159,986	$ 161,545
Common Tier 1 to Risk Weighted Assets	14.01%	14.54%
Common Tier 1 Risk Based Capital Required for Capital Adequacy	$ 51,404	$ 49,996
Common Tier 1 Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%	4.50%
Common Tier One Capital required to be well capitalized	$ 74,251	$ 72,216
Common Tier One Risk Weighted Assets Required to be Well Capitalized to Risk Weighted Assets	6.50%	6.50%
Leverage Ratios [Abstract]
Tier 1 (core) capital (to adjusted average total assets), Actual, Ratio	10.27%	11.33%
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	$ 193,845	$ 198,738
Total capital (to risk-weighted assets), Minimum required To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	91,414	88,898
Tier One Risk Based Capital [Abstract]
Tier 1 (core) capital (to risk-weighted assets), Actual, Amount	185,718	189,044
Tier 1 (core) capital (to risk-weighted assets), Minimum required To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	68,560	66,674
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	$ 62,306	$ 57,043
Risk Based Ratios [Abstract]
Total capital (to risk-weighted assets), Actual, Ratio	16.96%	17.89%
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	16.25%	17.01%
Tier 1 (core) capital (to risk-weighted assets), Minimum required To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	6.00%	6.00%
CET common tier 1 equity	$ 185,718	$ 189,044
Common Tier 1 to Risk Weighted Assets	16.25%	17.01%
Common Tier 1 Risk Based Capital Required for Capital Adequacy	$ 51,420	$ 50,005
Leverage Ratios [Abstract]
Tier 1 (core) capital (to adjusted average total assets), Actual, Ratio	11.92%	13.26%
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, 2016 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, 2016	Dec. 31, 2015	Dec. 31, 2014	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	195	206
ESOP compensation expense	$ 1,300	$ 1,000	$ 1,100
Employee Stock Ownership Plan (ESOP), Shares in ESOP [Abstract]
Allocated to participants (shares)	1,125,448	1,027,583
Distributed to participants	(313,223)	(281,387)
Unearned (shares)	831,852	929,717
Total ESOP shares (shares)	1,644,077	1,675,913
Fair value of unearned shares	$ 12,328	$ 11,742
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, 2016	Dec. 31, 2015	Dec. 31, 2014
Compensation and Retirement Disclosure [Abstract]
Employee matching ratio	50.00%	50.00%
Maximum annual contribution per employee	6.00%
Contribution plan expenses	$ 330	$ 308	$ 348

Equity Incentive Plans - Narrative (Details) - USD ($)		12 Months Ended
Equity Incentive Plans - Narrative (Details) - USD ($)	Jun. 27, 2006	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
restricted stock available for grant		0
Stock Options Outstanding		1,752,156	1,752,156	0
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant		0
Share-based compensation expense		$ 979,000	$ 568,000	$ 0
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized		$ 8,000
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, Gross		0
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		$ 0
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Outstanding, Weighted Average Remaining Contractual Terms		9 years 1 month 23 days
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation expense		$ 3,000	$ 70,000	$ 70,000
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Outstanding, Weighted Average Remaining Contractual Terms		8 months 27 days	3 months 22 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
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period	10 years
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, 2016	Dec. 31, 2015	Dec. 31, 2014
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Stock Options Outstanding	1,752,156	1,752,156	0
stock options granted		1,752,156
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	$ 0.01299
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price	$ 12.30	$ 12.30	$ 12.30
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term	5 months 23 days	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	$ 4,422,000
stock options exercisable	1,752,156
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number	1,752,156
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Aggregate Intrinsic Value	$ 4,422,000
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Term			1 year 3 months 7 days
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Roll Forward]
Stock options granted, Weighted Average Fair Value at Grant Date (usd per share)	$ 0.00	$ 0.00
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value	$ 0.00	$ 0.00
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Weighted Average Remaining Contractual Term			5 months 9 days

Equity Incentive Plans - Schedule of Restricted Stock Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
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	9 years 1 month 23 days
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			5 months 9 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)	7,934	16,822
Shares granted (shares)	0	0
Shares vested (shares)	(6,994)	(8,888)
Shares forfeited (shares)	0	0
Shares outstanding, ending balance (shares)	940	7,934	16,822
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	8 months 27 days	3 months 22 days
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Aggregate Intrinsic Value, Outstanding	$ 14	$ 100	$ 199

Loan Commitments and Other Off-Balance Sheet Activities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	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	$ 91,172	$ 52,322
Fixed-rate loan commitments	71,000
Standby letters of credit [Member]
Guarantor Obligations [Line Items]
Notional Or Contractual Credit Extension Commitments	1,305	1,075
Unused lines of credit [Member]
Guarantor Obligations [Line Items]
Notional Or Contractual Credit Extension Commitments	125,332	126,333
Commitments to sell mortgages [Member]
Guarantor Obligations [Line Items]
Notional Or Contractual Credit Extension Commitments	$ 0	$ 64
Minimum [Member] \| Commitments to extend credit [Member]
Guarantor Obligations [Line Items]
Fixed interest rate	0.50%
Maturity period	1 year
Maximum [Member] \| Commitments to extend credit [Member]
Guarantor Obligations [Line Items]
Fixed interest rate	6.00%
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 ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Valuation Allowances and Reserves, Balance	$ (434)	$ (881)
Fair value of mortgage servicing rights	612	724
Financial assets
Cash and cash equivalents, carrying amount	96,684	59,377	$ 59,581	$ 160,957
Cash and Due from Banks	13,053	13,192
Interest-bearing Deposits in Banks and Other Financial Institutions	83,631	46,185
Marketable Securities	107,212	114,753
Securities, carrying amount	106,713
Securities, fair value	107,212	114,753
Loans receivable, net of allowance for loan losses, carrying amounts	1,312,952	1,232,257
FHLBC stock, carrying amount	11,650	6,257
Accrued interest receivable, carrying amount	4,381	4,226
Financial liabilities
Noninterest-bearing demand deposits	249,539	254,830
Savings deposits	160,002	156,752
Time Deposits	351,612	222,701
Borrowings	51,069	64,318
Carrying Amount [Member]
Financial liabilities
NOW and money market accounts, carrying amount	578,237	578,636
Accrued interest payable, carrying amount	102	39
Estimated Fair Value [Member]
Financial assets
Cash and cash equivalents, fair value	96,684	59,377
Securities, fair value	107,212	114,753
Loans receivable, net of allowance for loan losses, fair value	1,322,947	1,241,304
Accounts interest receivable, fair value	4,381	4,226
Financial liabilities
Non-interest-bearing demand deposits, fair value	249,539	254,830
Savings deposits, fair value	160,002	156,752
NOW money market accounts, fair value	578,237	578,636
Certificates of deposit, fair value	350,593	222,026
Borrowings, fair value	50,015	64,318
Accrued interest payable, fair value	102	39
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	106,713	114,246
Loans receivable, net of allowance for loan losses, fair value	1,322,713	1,240,791
Accounts interest receivable, fair value	4,381	4,226
Financial liabilities
Non-interest-bearing demand deposits, fair value	249,539	254,830
Savings deposits, fair value	160,002	156,752
NOW money market accounts, fair value	578,237	578,636
Certificates of deposit, fair value	350,593	222,026
Borrowings, fair value	50,015	64,318
Accrued interest payable, fair value	102	39
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	234	513
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, fair value	499	507
Fair Value, Measurements, Nonrecurring [Member]
Financial assets
Securities, carrying amount	107,212	114,753
Fair Value, Measurements, Nonrecurring [Member] \| Fair Value, Inputs, Level 1 [Member]
Financial assets
Securities, carrying amount	499	507
Fair Value, Measurements, Nonrecurring [Member] \| Level 2 [Member]
Financial assets
Securities, carrying amount	106,713	114,246
Fair Value, Measurements, Nonrecurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Financial assets
Securities, carrying amount	0	0
Fair Value, Measurements, Nonrecurring [Member] \| Collateralized Mortgage Obligations Residential [Member]
Financial assets
Securities, carrying amount	5,574	7,142
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

Fair Value - Narratives (Details) - USD ($) $ in Thousands	12 Months Ended
Fair Value - Narratives (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans Carrying Amount	$ 260	$ 557
other real estate owned with an allowance at carrying value before valuation allowance	2,300	2,500
Impaired loans, valuation allowance	26	44
Provision for Loan and Lease Losses	0	426
Other real estate owned at carrying value	3,895	7,011	$ 6,358
Real Estate Acquired Through Foreclosure Fair Value	1,882	1,664
Real Estate Owned, Valuation Allowance, Valuation Increase	314	548
Other Real Estate, Valuation Adjustments	314	548
Fair value of mortgage servicing rights	612	724
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	1,882	1,664
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	$ 1,882	$ 1,664

Company Only Condensed Financial Information - Statements of Financial Condition (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Jun. 23, 2005
Assets
Loan receivable from ESOP					$ 19,600
Deferred Tax Assets, Net	$ 22,411	$ 26,695
Other assets	6,063	5,449
Total assets	1,620,037	1,512,443
Liabilities and Stockholders' Equity
Total stockholders’ equity	204,780	212,364	$ 216,121	$ 175,627
Total liabilities and stockholders' equity	1,620,037	1,512,443
Parent Company [Member]
Assets
Cash in subsidiary	14,543	15,309	$ 9,724	$ 11,441
Loan receivable from ESOP	10,767	11,799
Investment in subsidiary	176,756	183,039
Deferred Tax Assets, Net	2,367	1,865
Other assets	347	352
Total assets	204,780	212,364
Liabilities and Stockholders' Equity
Total liabilities and stockholders' equity	$ 204,780	$ 212,364

Company Only Condensed Financial Information - Statements of Operations (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Condensed Financial Statements, Captions [Line Items]
Interest income	$ 11,595	$ 11,831	$ 11,629	$ 11,903	$ 11,673	$ 11,448	$ 11,502	$ 11,525	$ 46,958	$ 46,148	$ 46,303
Other expense	(10,194)	(9,912)	(10,506)	(10,930)	(11,169)	(10,232)	(10,031)	(10,513)	(41,542)	(41,945)	(44,451)
Income (loss) before income taxes	3,717	4,081	1,345	3,057	3,299	3,881	3,648	3,272	12,200	14,100	9,297
Income tax expense (benefit)	$ 1,458	$ 1,573	$ 514	$ 1,153	$ 1,183	$ 1,532	$ 1,424	$ 1,286	4,698	5,425	(31,317)
Parent Company [Member]
Condensed Financial Statements, Captions [Line Items]
Interest income									503	544	584
Dividends from subsidiary									16,888	19,710	0
Other expense									(1,846)	(1,536)	(1,451)
Income (loss) before income taxes									15,545	18,718	(867)
Income tax expense (benefit)									(502)	(783)	(1,082)
Loss before equity in undistributed subsidiary income									16,047	19,501	215
Equity in undistributed subsidiary excess distributions									(8,545)	(10,826)	40,399
Net income (loss)									$ 7,502	$ 8,675	$ 40,614

Company Only Condensed Financial Information - Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Adjustments:
Change in other assets	$ (1,418)	$ 659	$ 2,874
Net Cash Provided by (Used in) Operating Activities	18,941	14,882	17,845
Cash flows from investing activities
Net cash from (used in) investing activities	(77,021)	(53,613)	(87,461)
Cash flows from financing activities
Repurchase and retirement of common stock	(13,215)	(9,970)	0
Cash dividends paid on common stock	(4,133)	(4,145)	(1,688)
Net cash used in financing activities	95,387	38,527	(31,760)
Parent Company [Member]
Cash flows from operating activities
Net income (loss)	7,502	8,675	40,614
Adjustments:
Equity in undistributed subsidiary excess distributions	8,545	10,826	(40,399)
Change in other assets	(497)	(793)	(1,172)
Change in accrued expenses and other liabilities	0	0	(23)
Net Cash Provided by (Used in) Operating Activities	15,550	18,708	(980)
Cash flows from investing activities
Principal payments received on ESOP loan	1,032	992	951
Net cash from (used in) investing activities	1,032	992	951
Cash flows from financing activities
Repurchase and retirement of common stock	(13,215)	(9,970)	0
Cash dividends paid on common stock	(4,133)	(4,145)	(1,688)
Net cash used in financing activities	(17,348)	(14,115)	(1,688)
Net change in cash in subsidiary	(766)	5,585	(1,717)
Beginning cash in subsidiary	15,309	9,724	11,441
Ending cash in subsidiary	$ 14,543	$ 15,309	$ 9,724

Selected Quarterly Financial Data (unaudited) (unaudited) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Quarterly Financial Information Disclosure [Abstract]
Interest income	$ 12,743	$ 12,845	$ 12,581	$ 12,759	$ 12,411	$ 12,147	$ 12,193	$ 12,211	$ 50,928	$ 48,962	$ 49,349
Interest expense	1,148	1,014	952	856	738	699	691	686	3,970	2,814	3,046
Net interest income	11,595	11,831	11,629	11,903	11,673	11,448	11,502	11,525	46,958	46,148	46,303
Provision for (recovery of) loan losses	(539)	(525)	1,315	(490)	(1,038)	(956)	(488)	(724)	(239)	(3,206)	(736)
Net interest income	12,134	12,356	10,314	12,393	12,711	12,404	11,990	12,249	47,197	49,354	47,039
Noninterest Income	1,777	1,637	1,537	1,594	1,757	1,709	1,689	1,536	6,545	6,691	6,709
Noninterest expense	10,194	9,912	10,506	10,930	11,169	10,232	10,031	10,513	41,542	41,945	44,451
Income (loss) before income taxes	3,717	4,081	1,345	3,057	3,299	3,881	3,648	3,272	12,200	14,100	9,297
Income tax expense (benefit)	1,458	1,573	514	1,153	1,183	1,532	1,424	1,286	4,698	5,425	(31,317)
Net income (loss)	$ 2,259	$ 2,508	$ 831	$ 1,904	$ 2,116	$ 2,349	$ 2,224	$ 1,986	$ 7,502	$ 8,675	$ 40,614
Earnings Per Share, Basic	$ 0.12	$ 0.13	$ 0.04	$ 0.10	$ 0.11	$ 0.12	$ 0.11	$ 0.10	$ 0.40	$ 0.44	$ 2.01
Diluted earnings (loss) per common share (usd per share)	$ 0.12	$ 0.13	$ 0.04	$ 0.10	$ 0.11	$ 0.12	$ 0.11	$ 0.10	$ 0.39	$ 0.44	$ 2.01

Selected Quarterly Financial Data (unaudited) (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Effect of Fourth Quarter Events [Line Items]
Net income	$ 2,259	$ 2,508	$ 831	$ 1,904	$ 2,116	$ 2,349	$ 2,224	$ 1,986	$ 7,502	$ 8,675	$ 40,614
Diluted earnings (loss) per common share (usd per share)	$ 0.12	$ 0.13	$ 0.04	$ 0.10	$ 0.11	$ 0.12	$ 0.11	$ 0.10	$ 0.39	$ 0.44	$ 2.01
Earnings Per Share, Basic	$ 0.12	$ 0.13	$ 0.04	$ 0.10	$ 0.11	$ 0.12	$ 0.11	$ 0.10	$ 0.40	$ 0.44	$ 2.01
Effective Income Tax Rate Reconciliation, Change in Deferred Tax Assets Valuation Allowance, Amount									$ 0	$ 0	$ (35,117)
Interest income	$ 11,595	$ 11,831	$ 11,629	$ 11,903	$ 11,673	$ 11,448	$ 11,502	$ 11,525	46,958	46,148	46,303
Provision for (recovery of) loan losses	(539)	$ (525)	$ 1,315	$ (490)	(1,038)	$ (956)	$ (488)	$ (724)	(239)	(3,206)	(736)
Gain (Loss) on Disposition of Property Plant Equipment	113								38	(1)	5
Asset management costs	$ 177				$ 522				$ 399	$ 681	$ 838

Secondary Mortgage Market Activities - Fair Value Assumptions (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value [Abstract]
Fair value of mortgage servicing rights	$ 612	$ 724

Secondary Mortgage Market Activities - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015
Servicing Rights At Fair Value [Line Items]
Escrow deposit	$ 2.7	$ 3.4

Deposits - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015
Deposits [Abstract]
Time deposits, $100,000 or more	$ 18.7	$ 15.2

Loans Receivable - Credit Quality Indicators (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Financing Receivable Credit Quality Indicators
Total loans	$ 1,319,416	$ 1,240,327
One-to-four family residential real estate loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	135,218	159,501
One to Four Family Residential Real Estate Loans-Owner occupied [Member] [Member]
Financing Receivable Credit Quality Indicators
Total loans	96,629	114,961
One-to-four family residential real estate loans - non-owner occupied loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	38,589	44,540
Multi-family mortgage loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	542,887	506,026
Multi Family Mortgage Loans excluding wholesale [Member] [Member]
Financing Receivable Credit Quality Indicators
Total loans	299,183	318,157
Wholesale commercial lending [Member]
Financing Receivable Credit Quality Indicators
Total loans	243,704	187,869
Nonresidential real estate loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	182,152	226,735
Construction loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	946	21
Land loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	356	1,292
Commercial loans - Secured [Member]
Financing Receivable Credit Quality Indicators
Total loans	36,010	29,991
Commercial loans - Unsecured [Member]
Financing Receivable Credit Quality Indicators
Total loans	35,372	31,809
Commercial Loans - Municipal loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	31,681	17,716
Commercial Leases - Investment Rated [Member]
Financing Receivable Credit Quality Indicators
Total loans	268,022	170,100
Commercial Leases - Below Investment Grade [Member]
Financing Receivable Credit Quality Indicators
Total loans	84,517	95,305
Consumer loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	2,255	1,831
Nonaccrual [Member]
Financing Receivable Credit Quality Indicators
Total loans	3,302	3,251
Nonaccrual [Member] \| One-to-four family residential real estate loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	2,486	1,936
Nonaccrual [Member] \| One-to-four family residential real estate loans - non-owner occupied loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	369	192
Nonaccrual [Member] \| Multi-family mortgage loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	187	828
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	260	295
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	0
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	0
Special Mention [Member]
Financing Receivable Credit Quality Indicators
Total loans	1,083	2,163
Special Mention [Member] \| One-to-four family residential real estate loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	0
Special Mention [Member] \| One-to-four family residential real estate loans - non-owner occupied loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	219
Special Mention [Member] \| Multi-family mortgage loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	122	344
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	0	1,600
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	0
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	800	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	161	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	3,629	12,451
Substandard [Member] \| One-to-four family residential real estate loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	629	576
Substandard [Member] \| One-to-four family residential real estate loans - non-owner occupied loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	41	271
Substandard [Member] \| Multi-family mortgage loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	1,048	4,656
Substandard [Member] \| Wholesale commercial lending [Member]
Financing Receivable Credit Quality Indicators
Total loans	0	511
Substandard [Member] \| Nonresidential real estate loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	1,845	4,981
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	0	842
Substandard [Member] \| Commercial loans - Secured [Member]
Financing Receivable Credit Quality Indicators
Total loans	66	614
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	1,311,402	1,222,462
Pass [Member] \| One-to-four family residential real estate loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	93,514	112,449
Pass [Member] \| One-to-four family residential real estate loans - non-owner occupied loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	38,179	43,858
Pass [Member] \| Multi-family mortgage loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	297,826	312,329
Pass [Member] \| Wholesale commercial lending [Member]
Financing Receivable Credit Quality Indicators
Total loans	243,704	187,358
Pass [Member] \| Nonresidential real estate loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	180,047	219,859
Pass [Member] \| Construction loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	946	21
Pass [Member] \| Land loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	356	450
Pass [Member] \| Commercial loans - Secured [Member]
Financing Receivable Credit Quality Indicators
Total loans	35,944	29,377
Pass [Member] \| Commercial loans - Unsecured [Member]
Financing Receivable Credit Quality Indicators
Total loans	35,372	31,809
Pass [Member] \| Commercial Loans - Municipal loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	30,881	17,716
Pass [Member] \| Commercial Leases - Investment Rated [Member]
Financing Receivable Credit Quality Indicators
Total loans	268,022	170,100
Pass [Member] \| Commercial Leases - Below Investment Grade [Member]
Financing Receivable Credit Quality Indicators
Total loans	84,356	95,305
Pass [Member] \| Consumer loans [Member]
Financing Receivable Credit Quality Indicators
Total loans	$ 2,255	$ 1,831

Secondary Mortgage Market Activities - Activity For Capitalized Mortgage Servicing Rights And Related Valuation Reserve (Details)	Dec. 31, 2016 USD ($)
Valuation allowance
Beginning of year	$ 16,000
End of year	$ 0

Fair Value - Financial Assets Accounted for at Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	$ 106,713
Nonrecurring [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	107,212	$ 114,753
Nonrecurring [Member] \| Certificates of deposit [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	85,938	87,901
Nonrecurring [Member] \| Equity mutual fund [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	499	507
Nonrecurring [Member] \| Mortgage-backed securities - residential [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	15,184	19,180
Nonrecurring [Member] \| Collateralized mortgage obligations - residential [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	5,574	7,142
Nonrecurring [Member] \| SBA-guaranteed loan participation certificates [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Available-for-sale Securities, Debt Securities	17	23
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	499	507
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	106,713	114,246
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, 2016	Dec. 31, 2015
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Impaired loans	$ 234	$ 513
Fair Value, Other real estate owned	1,882	1,664
Mortgage servicing rights	612	724
Nonrecurring [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Impaired loans	234	513
Fair Value, Other real estate owned	1,882	1,664
Nonrecurring [Member] \| One-to-four family residential real estate loans [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Other real estate owned	1,282	42
Nonrecurring [Member] \| Multi-family mortgage loans [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Impaired loans		477
Fair Value, Other real estate owned		354
Nonrecurring [Member] \| Nonresidential real estate loans [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Impaired loans	234	36
Fair Value, Other real estate owned	553	474
Nonrecurring [Member] \| Land loans [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value, Other real estate owned	47	794
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
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, 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
Fair Value, Other real estate owned		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, 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
Fair Value, Other real estate owned		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	234	513
Fair Value, Other real estate owned	1,882	1,664
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, Other real estate owned	1,282	42
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
Fair Value, Other real estate owned		354
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	234	36
Fair Value, Other real estate owned	553	474
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	$ 47	$ 794