| X | QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|---|-----------------------------------------------------------------------------------------|

|   | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|--------|------------------------------------------------------------------------------------------|

|   | ROEBLING FINANCIAL CORP, INC. |
|--------|-------------------------------|

|   | (Exact name of Registrant as specified in its charter) |
|--------|--------------------------------------------------------|

| New Jersey |   | 55-0873295 |
|------------|--------|------------|

| (State or other jurisdiction of incorporation or organization) |   | (I.R.S. employer identification no.) |
|----------------------------------------------------------------|--------|--------------------------------------|

| Route 130 South and Delaware Avenue, Roebling, New  Jersey |   |   | 08554 |
|-----------------------------------------------------------------|--------|--------|-------|

| (Address of principal executive offices) |   | (Zip Code) |
|------------------------------------------|--------|------------|

|   | N/A |
|--------|-----|

|   | (Former name, former address and former fiscal year, if changed since last report.) |
|--------|-------------------------------------------------------------------------------------|

|   | Large accelerated filer o                                            |   | Accelerated filer o         |
|--------|----------------------------------------------------------------------|--------|-----------------------------|
|   | Non-accelerated filer o(Do not check if a smaller reporting company) |   | Smaller reporting company x |

| Class |   | Outstanding |
|-------|--------|-------------|

| $.10 par value common stock |   | 1,686,527 shares |
|-----------------------------|--------|------------------|

----

|                                                            | PageNumber                                                                                                                |
|-----------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------|
| PART I - FINANCIAL INFORMATION OF ROEBLING FINANCIAL CORP, INC. |                                                                                                                      |
| Item 1.                                                         | Consolidated Financial Statements and Notes Thereto                                                                       | 1 - 16 |
| Item 2.                                                         | Management’s Discussion and Analysis of Financial      Condition and Results of Operations | 17 - 21 |
| Item 3                                                          | Quantitative and Qualitative Disclosures About Market Risk                                                                | 21 |
| Item 4.                                                         | Controls and Procedures                                                                                                   | 21 - 22 |
|                                                            |                                                                                                                      |   |
| PART II - OTHER INFORMATION                                     |                                                                                                                      |
| Item 1.                                                         | Legal Proceedings                                                                                                         | 23 |
| Item 1A.                                                        | Risk Factors                                                                                                              | 23 |
| Item 2.                                                         | Unregistered Sales of Equity Securities and Use of Proceeds                                                               | 23 |
| Item 3.                                                         | Defaults upon Senior Securities                                                                                           | 23 |
| Item 4.                                                         | Mine Safety Disclosures                                                                                                   | 23 |
| Item 5.                                                         | Other Information                                                                                                         | 23 |
| Item 6.                                                         | Exhibits                                                                                                                  | 24 |
|                                                            |                                                                                                                      |   |
| SIGNATURES                                                      |                                                                                                                      | 25 |
|                                                            |

----

| (Unaudited)                                                                 |   |     |    |   |          |   |
|-----------------------------------------------------------------------------|--------|----------|---------|--------|---------------|--------|
|                                                                        |   |     |    |   |          |   |
| (In thousands, except share and per share data)                             |   |     |    |   |          |   |
|                                                                        |   | June 30, |    |   | September 30, |   |
|                                                                        |   | 2012     |    |   | 2011          |   |
|                                                                        |   |     |    |   |          |   |
| Assets                                                                      |   |     |    |   |          |   |
|                                                                        |   |     |    |   |          |   |
| Cash and due from banks                                                     |   | $        | 793     |   |          | $      | 747 |   |
| Interest-bearing deposits                                                   |   |     | 6,477   |   |          |   | 3,081 |   |
|      Total cash and cash equivalents               |   |     | 7,270   |   |          |   | 3,828 |   |
|                                                                        |   |     |    |   |          |   |   |   |
| Securities available for sale                                               |   |     | 40,181  |   |          |   | 42,818 |   |
| Securities held to maturity                                                 |   |     | 92      |   |          |   | 109 |   |
| Loans receivable, net                                                       |   |     | 109,130 |   |          |   | 108,616 |   |
| Real estate owned                                                           |   |     | 444     |   |          |   | 1,611 |   |
| Accrued interest receivable                                                 |   |     | 472     |   |          |   | 516 |   |
| Federal Home Loan Bank of New York stock, at cost                           |   |     | 670     |   |          |   | 545 |   |
| Premises and equipment                                                      |   |     | 3,177   |   |          |   | 3,159 |   |
| Other assets                                                                |   |     | 2,185   |   |          |   | 2,666 |   |
|      Total assets                                  |   | $        | 163,621 |   |          | $      | 163,868 |   |
|                                                                        |   |     |    |   |          |   |   |   |
| Liabilities and Stockholders' Equity                                        |   |     |    |   |          |   |   |   |
|                                                                        |   |     |    |   |          |   |   |   |
| Liabilities                                                                 |   |     |    |   |          |   |   |   |
|                                                                        |   |     |    |   |          |   |   |   |
| Deposits                                                                    |   | $        | 135,418 |   |          | $      | 139,219 |   |
| Borrowed funds                                                              |   |     | 9,000   |   |          |   | 6,000 |   |
| Advances from borrowers for taxes and insurance                             |   |     | 630     |   |          |   | 525 |   |
| Other liabilities                                                           |   |     | 1,647   |   |          |   | 1,494 |   |
|      Total liabilities                             |   |     | 146,695 |   |          |   | 147,238 |   |
|                                                                        |   |     |    |   |          |   |   |   |
| Stockholders' equity                                                        |   |     |    |   |          |   |   |   |
|                                                                        |   |     |    |   |          |   |   |   |
|  Serial preferred stock, $0.10 par value; 5,000,000 shares authorized; |   |     |    |   |          |   |   |   |
|   none issued                                                     |   |     | -       |   |          |   | - |   |
| Common stock; $0.10 par value; 20,000,000 shares authorized;                |   |     |    |   |          |   |   |   |
|   1,718,473 issued                                                |   |     | 172     |   |          |   | 172 |   |
| Additional paid-in-capital                                                  |   |     | 10,287  |   |          |   | 10,314 |   |
| Treasury stock; 31,946 shares, at cost                                      |   |     | (190    | )      |          |   | (190 | ) |
| Unallocated employee stock ownership plan shares                            |   |     | (175    | )      |          |   | (233 | ) |
| Unallocated restricted stock plan shares                                    |   |     | (97     | )      |          |   | (87 | ) |
| Deferred compensation obligation                                            |   |     | 302     |   |          |   | 285 |   |
| Stock purchased for deferred compensation plan                              |   |     | (302    | )      |          |   | (285 | ) |
| Retained earnings - substantially restricted                                |   |     | 6,158   |   |          |   | 5,942 |   |
| Accumulated other comprehensive income (loss):                              |   |     |    |   |          |   |   |   |
|   Unrealized gain on securities available for sale, net of tax    |   |     | 861     |   |          |   | 810 |   |
|   Defined benefit plan, net of tax                                |   |     | (90     | )      |          |   | (98 | ) |
|      Total stockholders' equity                    |   |     | 16,926  |   |          |   | 16,630 |   |
|                                                                        |   |     |    |   |          |   |   |   |
|      Total liabilities and stockholders' equity    |   | $        | 163,621 |   |          | $      | 163,868 |   |

----

| (Unaudited)                                                                                         |   |                       |   |   |   |   |
|-----------------------------------------------------------------------------------------------------|--------|----------------------------|--------|--------|--------|--------|
|                                                                                                |   |                       |   |   |   |   |
| (In thousands, except per share data)                                                               |   |                       |   |   |   |   |
|                                                                                                |   | For the Three Months Ended |   |
|                                                                                                |   | June 30,                   |   |
|                                                                                                |   | 2012                       |   |   | 2011   |   |
|                                                                                                |   |                       |   |   |   |   |
| Interest income:                                                                                    |   |                       |   |   |   |   |
|    Loans receivable                                                                  |   | $                          | 1,282  |   |   | $      | 1,398 |   |
|    Securities                                                                        |   |                       | 259    |   |   |   | 314 |   |
|    Other interest-earning assets                                                     |   |                       | 7      |   |   |   | 7 |   |
|         Total interest income                               |   |                       | 1,548  |   |   |   | 1,719 |   |
|                                                                                                |   |                       |   |   |   |   |   |   |
| Interest expense:                                                                                   |   |                       |   |   |   |   |   |   |
|    Deposits                                                                          |   |                       | 277    |   |   |   | 377 |   |
|    Borrowed funds                                                                    |   |                       | 43     |   |   |   | 50 |   |
|         Total interest expense                              |   |                       | 320    |   |   |   | 427 |   |
|                                                                                                |   |                       |   |   |   |   |   |   |
| Net interest income before provision for loan losses                                                |   |                       | 1,228  |   |   |   | 1,292 |   |
| Provision for loan losses                                                                           |   |                       | 0      |   |   |   | 85 |   |
|         Net interest income after provision for loan losses |   |                       | 1,228  |   |   |   | 1,207 |   |
|                                                                                                |   |                       |   |   |   |   |   |   |
| Non-interest income:                                                                                |   |                       |   |   |   |   |   |   |
|    Loan fees                                                                         |   |                       | 19     |   |   |   | 20 |   |
|    Account servicing and other                                                       |   |                       | 105    |   |   |   | 93 |   |
|    Gain on sale of loans                                                             |   |                       | 8      |   |   |   | 0 |   |
|         Total non-interest income                           |   |                       | 132    |   |   |   | 113 |   |
|                                                                                                |   |                       |   |   |   |   |   |   |
| Non-interest expense:                                                                               |   |                       |   |   |   |   |   |   |
|    Compensation and benefits                                                         |   |                       | 598    |   |   |   | 581 |   |
|    Occupancy and equipment                                                           |   |                       | 113    |   |   |   | 120 |   |
|    Service bureau and data processing                                                |   |                       | 147    |   |   |   | 132 |   |
|    Federal deposit insurance premiums                                                |   |                       | 52     |   |   |   | 51 |   |
|    Real estate owned expense, net                                                    |   |                       | 13     |   |   |   | 53 |   |
|    Other expense                                                                     |   |                       | 273    |   |   |   | 374 |   |
|         Total non-interest expense                          |   |                       | 1,196  |   |   |   | 1,311 |   |
|                                                                                                |   |                       |   |   |   |   |   |   |
|         Income before income tax (benefit)                  |   |                       | 164    |   |   |   | 9 |   |
| Income tax (benefit)                                                                                |   |                       | 60     |   |   |   | (2 | ) |
|         Net income                                          |   |                       | 104    |   |   |   | 11 |   |
|                                                                                                |   |                       |   |   |   |   |   |   |
| Other comprehensive income, net of tax:                                                             |   |                       |   |   |   |   |   |   |
|    Unrealized gain on securities available for sale, net of tax                      |   |                       | 49     |   |   |   | 163 |   |
|    Adjustment to minimum pension liability                                           |   |                       | 3      |   |   |   | 3 |   |
| Comprehensive income                                                                                |   | $                          | 156    |   |   | $      | 177 |   |
|                                                                                                |   |                       |   |   |   |   |   |   |
| Earnings per common share:                                                                          |   |                       |   |   |   |   |   |   |
|   Basic                                                                                   |   | $                          | 0.06   |   |   | $      | 0.01 |   |
|   Diluted                                                                                 |   | $                          | 0.06   |   |   | $      | 0.01 |   |
|                                                                                                |   |                       |   |   |   |   |   |   |
| Weighted average number of shares outstanding:                                                      |   |                       |   |   |   |   |   |   |
|   Basic                                                                                   |   |                       | 1,665  |   |   |   | 1,656 |   |
|   Diluted                                                                                 |   |                       | 1,665  |   |   |   | 1,656 |   |
|                                                                                                |   |                       |   |   |   |   |   |   |
|                                                                                                |   |                       |   |   |   |   |   |   |

----

| (Unaudited)                                                                                         |   |                      |   |   |   |   |
|-----------------------------------------------------------------------------------------------------|--------|---------------------------|--------|--------|--------|--------|
|                                                                                                |   |                      |   |   |   |   |
| (In thousands, except per share data)                                                               |   |                      |   |   |   |   |
|                                                                                                |   | For the Nine Months Ended |   |
|                                                                                                |   | June 30,                  |   |
|                                                                                                |   | 2012                      |   |   | 2011   |   |
|                                                                                                |   |                      |   |   |   |   |
| Interest income:                                                                                    |   |                      |   |   |   |   |
|    Loans receivable                                                                  |   | $                         | 3,939  |   |   | $      | 4,224 |   |
|    Securities                                                                        |   |                      | 824    |   |   |   | 965 |   |
|    Other interest-earning assets                                                     |   |                      | 22     |   |   |   | 29 |   |
|         Total interest income                               |   |                      | 4,785  |   |   |   | 5,218 |   |
|                                                                                                |   |                      |   |   |   |   |   |   |
| Interest expense:                                                                                   |   |                      |   |   |   |   |   |   |
|    Deposits                                                                          |   |                      | 921    |   |   |   | 1,185 |   |
|    Borrowed funds                                                                    |   |                      | 138    |   |   |   | 156 |   |
|         Total interest expense                              |   |                      | 1,059  |   |   |   | 1,341 |   |
|                                                                                                |   |                      |   |   |   |   |   |   |
| Net interest income before provision for loan losses                                                |   |                      | 3,726  |   |   |   | 3,877 |   |
| Provision for loan losses                                                                           |   |                      | 0      |   |   |   | 135 |   |
|         Net interest income after provision for loan losses |   |                      | 3,726  |   |   |   | 3,742 |   |
|                                                                                                |   |                      |   |   |   |   |   |   |
| Non-interest income:                                                                                |   |                      |   |   |   |   |   |   |
|    Loan fees                                                                         |   |                      | 58     |   |   |   | 64 |   |
|    Account servicing and other                                                       |   |                      | 302    |   |   |   | 288 |   |
|    Gain on sale of loans                                                             |   |                      | 27     |   |   |   | 11 |   |
|         Total non-interest income                           |   |                      | 387    |   |   |   | 363 |   |
|                                                                                                |   |                      |   |   |   |   |   |   |
| Non-interest expense:                                                                               |   |                      |   |   |   |   |   |   |
|    Compensation and benefits                                                         |   |                      | 1,754  |   |   |   | 1,738 |   |
|    Occupancy and equipment                                                           |   |                      | 346    |   |   |   | 369 |   |
|    Service bureau and data processing                                                |   |                      | 450    |   |   |   | 392 |   |
|    Federal deposit insurance premiums                                                |   |                      | 160    |   |   |   | 211 |   |
|    Real estate owned expense, net                                                    |   |                      | 341    |   |   |   | 81 |   |
|    Other expense                                                                     |   |                      | 735    |   |   |   | 832 |   |
|         Total non-interest expense                          |   |                      | 3,786  |   |   |   | 3,623 |   |
|                                                                                                |   |                      |   |   |   |   |   |   |
|         Income before income tax                            |   |                      | 327    |   |   |   | 482 |   |
| Income tax                                                                                          |   |                      | 111    |   |   |   | 165 |   |
|         Net income                                          |   |                      | 216    |   |   |   | 317 |   |
|                                                                                                |   |                      |   |   |   |   |   |   |
| Other comprehensive income (loss), net of tax:                                                      |   |                      |   |   |   |   |   |   |
|    Unrealized gain (loss) on securities available for sale, net of tax               |   |                      | 51     |   |   |   | (133 | ) |
|    Adjustment to minimum pension liability                                           |   |                      | 8      |   |   |   | 10 |   |
| Comprehensive income                                                                                |   | $                         | 275    |   |   | $      | 194 |   |
|                                                                                                |   |                      |   |   |   |   |   |   |
| Earnings per common share:                                                                          |   |                      |   |   |   |   |   |   |
|   Basic                                                                                   |   | $                         | 0.13   |   |   | $      | 0.19 |   |
|   Diluted                                                                                 |   | $                         | 0.13   |   |   | $      | 0.19 |   |
|                                                                                                |   |                      |   |   |   |   |   |   |
| Weighted average number of shares outstanding:                                                      |   |                      |   |   |   |   |   |   |
|   Basic                                                                                   |   |                      | 1,663  |   |   |   | 1,653 |   |
|   Diluted                                                                                 |   |                      | 1,663  |   |   |   | 1,653 |   |
|                                                                                                |   |                      |   |   |   |   |   |   |
| See notes to unaudited consolidated financial statements.                                           |   |                      |   |   |   |

----

| (Unaudited)                            |   |   |   |   |       |   |   |     |        |   |   |        |   |   |     |   |         |      |   |         |   |   |        |   |   |          |   |   |   |   |
|----------------------------------------|--------|--------|--------|--------|------------|--------|--------|----------|-------------|--------|--------|-------------|--------|--------|----------|--------|--------------|-----------|--------|--------------|--------|--------|-------------|--------|--------|---------------|--------|--------|--------|--------|
|                                   |   |   |   |   |       |   |   |     |        |   |   |        |   |   |     |   |         |      |   |         |   |   |        |   |   |          |   |   |   |   |
| (In thousands)                         |   |   |   |   |       |   |   |     |        |   |   |        |   |   |     |   |         |      |   |         |   |   |        |   |   |          |   |   |   |   |
|                                   |   |   |   |   |       |   |   |     |        |   |   |        |   |   |     |   | Common       |      |   |         |   |   | Accumulated |   |   |          |   |
|                                   |   |   |   |   | Additional |   |   |     | Unallocated |   |   | Unallocated |   |   | Deferred |   |         | Stock for |   |         |   |   |        | Other  |   |          |   |   |
|                                   |   | Common |   |   | Paid-in    |   |   | Treasury |        |   | ESOP   |        |   | RSP    |     |   | Compensation |      |   | Deferred     |   |   | Retained    |   |   | Comprehensive |   |   |   |   |
|                                   |   | Stock  |   |   | Capital    |   |   | Stock    |        |   | Shares |        |   | Shares |     |   | Obligation   |      |   | Compensation |   |   | Earnings    |   |   | Income        |   |   | Total  |   |
|                                   |   |   |   |   |       |   |   |     |        |   |   |        |   |   |     |   |         |      |   |         |   |   |        |   |   |          |   |   |   |   |
| Balance at September 30, 2011          |   | $      | 172    |   |       | $      | 10,314 |     |        | $      | (190   | )           |   | $      | (233     | )      |         | $         | (87    | )            |   | $      | 285         |   |   | $             | (285   | )      |   | $      | 5,942 |   |   | $ | 712 |   |   | $ | 16,630 |   |
|                                   |   |   |   |   |       |   |   |     |        |   |   |        |   |   |     |   |         |      |   |         |   |   |        |   |   |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net income for the nine months         |   |   |   |   |       |   |   |     |        |   |   |        |   |   |     |   |         |      |   |         |   |   |        |   |   |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   ended June 30, 2012        |   |   | -      |   |       |   | -      |     |        |   | -      |        |   |   | -        |   |         |      | -      |         |   |   | -           |   |   |          | -      |   |   |   | 216 |   |   |   | - |   |   |   | 216 |   |
|                                   |   |   |   |   |       |   |   |     |        |   |   |        |   |   |     |   |         |      |   |         |   |   |        |   |   |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Amortization of ESOP shares            |   |   | -      |   |       |   | (34    | )        |        |   | -      |        |   |   | 58       |   |         |      | -      |         |   |   | -           |   |   |          | -      |   |   |   | - |   |   |   | - |   |   |   | 24 |   |
|                                   |   |   |   |   |       |   |   |     |        |   |   |        |   |   |     |   |         |      |   |         |   |   |        |   |   |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Change in unrealized gain on           |   |   |   |   |       |   |   |     |        |   |   |        |   |   |     |   |         |      |   |         |   |   |        |   |   |          |   |   |   |   |   |   |   |   |   |   |   |
| securities available for sale,         |   |   |   |   |       |   |   |     |        |   |   |        |   |   |     |   |         |      |   |         |   |   |        |   |   |          |   |   |   |   |   |   |   |   |   |   |   |
|   net of tax                 |   |   | -      |   |       |   | -      |     |        |   | -      |        |   |   | -        |   |         |      | -      |         |   |   | -           |   |   |          | -      |   |   |   | - |   |   |   | 51 |   |   |   | 51 |   |
|                                   |   |   |   |   |       |   |   |     |        |   |   |        |   |   |     |   |         |      |   |         |   |   |        |   |   |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Deferred compensation plan             |   |   | -      |   |       |   | -      |     |        |   | -      |        |   |   | -        |   |         |      | -      |         |   |   | 17          |   |   |          | -      |   |   |   | - |   |   |   | - |   |   |   | 17 |   |
|                                   |   |   |   |   |       |   |   |     |        |   |   |        |   |   |     |   |         |      |   |         |   |   |        |   |   |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Common stock acquired for              |   |   |   |   |       |   |   |     |        |   |   |        |   |   |     |   |         |      |   |         |   |   |        |   |   |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   deferred compensation plan |   |   | -      |   |       |   | -      |     |        |   | -      |        |   |   | -        |   |         |      | -      |         |   |   | -           |   |   |          | (17    | )      |   |   | - |   |   |   | - |   |   |   | (17 | ) |
|                                   |   |   |   |   |       |   |   |     |        |   |   |        |   |   |     |   |         |      |   |         |   |   |        |   |   |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Allocation of RSP shares               |   |   | -      |   |       |   | 10     |     |        |   | -      |        |   |   | -        |   |         |      | (10    | )            |   |   | -           |   |   |          | -      |   |   |   | - |   |   |   | - |   |   |   | 0 |   |
|                                   |   |   |   |   |       |   |   |     |        |   |   |        |   |   |     |   |         |      |   |         |   |   |        |   |   |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Tax expense of stock benefit plans     |   |   | -      |   |       |   | (3     | )        |        |   | -      |        |   |   | -        |   |         |      | -      |         |   |   | -           |   |   |          | -      |   |   |   | - |   |   |   | - |   |   |   | (3 | ) |
|                                   |   |   |   |   |       |   |   |     |        |   |   |        |   |   |     |   |         |      |   |         |   |   |        |   |   |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Adjustment to mimimum pension          |   |   |   |   |       |   |   |     |        |   |   |        |   |   |     |   |         |      |   |         |   |   |        |   |   |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   liability, net of tax      |   |   | -      |   |       |   | -      |     |        |   | -      |        |   |   | -        |   |         |      | -      |         |   |   | -           |   |   |          | -      |   |   |   | - |   |   |   | 8 |   |   |   | 8 |   |
|                                   |   |   |   |   |       |   |   |     |        |   |   |        |   |   |     |   |         |      |   |         |   |   |        |   |   |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Balance at June 30, 2012               |   | $      | 172    |   |       | $      | 10,287 |     |        | $      | (190   | )           |   | $      | (175     | )      |         | $         | (97    | )            |   | $      | 302         |   |   | $             | (302   | )      |   | $      | 6,158 |   |   | $ | 771 |   |   | $ | 16,926 |   |

----

| (Unaudited)                                                                                                                                                           |   |                      |    |   |   |   |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|---------------------------|---------|--------|--------|--------|
|                                                                                                                                                                  |   |                      |    |   |   |   |
| (In thousands)                                                                                                                                                        |   |                      |    |   |   |   |
|                                                                                                                                                                  |   | For the Nine Months Ended |    |
|                                                                                                                                                                  |   | June 30,                  |    |
|                                                                                                                                                                  |   | 2012                      |    |   | 2011   |   |
|                                                                                                                                                                  |   |                      |    |   |   |   |
| Cash flows from operating activities:                                                                                                                                 |   |                      |    |   |   |   |
|    Net income                                                                                                                                          |   | $                         | 216     |   |   | $      | 317 |   |
|    Adjustments to reconcile net income to cash provided by                                                                                             |   |                      |    |   |   |   |   |   |
|      operating activities:                                                                                                                   |   |                      |    |   |   |   |   |   |
|          Depreciation                                                                                                    |   |                      | 89      |   |   |   | 95 |   |
|          Amortization of premiums and discounts, net                                                                     |   |                      | 42      |   |   |   | 33 |   |
|          Amortization of deferred loan fees and costs, net                                                               |   |                      | 9       |   |   |   | 19 |   |
|          Provision for loan losses                                                                                       |   |                      | -       |   |   |   | 135 |   |
|          Provision for losses on real estate owned                                                                       |   |                      | 297     |   |   |   | 65 |   |
|          Originations of loans held for sale, net of repayments                                                          |   |                      | (3,764  | )      |   |   | (3,842 | ) |
|          Gain on sale of loans                                                                                           |   |                      | (27     | )      |   |   | (11 | ) |
|          Proceeds from sale of loans held for sale                                                                       |   |                      | 3,791   |   |   |   | 4,359 |   |
|          (Gain) loss on disposition of premises and equipment                                                            |   |                      | (4      | )      |   |   | 2 |   |
|          Decrease (increase) in other assets                                                                             |   |                      | 442     |   |   |   | (104 | ) |
|          Decrease (increase) in accrued interest receivable                                                              |   |                      | 44      |   |   |   | (21 | ) |
|          Increase in other liabilities                                                                                   |   |                      | 163     |   |   |   | 148 |   |
|          Amortization/allocation of ESOP and RSP                                                                         |   |                      | 25      |   |   |   | 39 |   |
|          Increase in deferred compensation stock obligation                                                              |   |                      | 17      |   |   |   | 33 |   |
|                    Net cash provided by operating activities           |   |                      | 1,340   |   |   |   | 1,267 |   |
|                                                                                                                                                                  |   |                      |    |   |   |   |   |   |
| Cash flows from investing activities:                                                                                                                                 |   |                      |    |   |   |   |   |   |
|     Purchase of securities available for sale                                                                                                     |   |                      | (10,912 | )      |   |   | (14,028 | ) |
|     Proceeds from payments and maturities of securities available for sale                                                                        |   |                      | 13,591  |   |   |   | 12,542 |   |
|     Proceeds from payments and maturities of securities held to maturity                                                                          |   |                      | 17      |   |   |   | 13 |   |
|     Proceeds from sale of loans                                                                                                                   |   |                      | -       |   |   |   | 77 |   |
|     Loan disbursements, net payments                                                                                                              |   |                      | (536    | )      |   |   | 745 |   |
|     Proceeds from sale of real estate owned                                                                                                       |   |                      | 883     |   |   |   | 610 |   |
|     Purchase of Federal Home Loan Bank stock                                                                                                      |   |                      | (125    | )      |   |   | (58 | ) |
|     Purchase of premises and equipment                                                                                                            |   |                      | (107    | )      |   |   | (42 | ) |
|     Proceeds from sale of premises and equipment                                                                                                  |   |                      | 4       |   |   |   | - |   |
|                    Net cash provided by (used in) investing activities |   |                      | 2,815   |   |   |   | (141 | ) |
|                                                                                                                                                                  |   |                      |    |   |   |   |   |   |
| Cash flows from financing activities:                                                                                                                                 |   |                      |    |   |   |   |   |   |
|     Net decrease in deposits                                                                                                                      |   |                      | (3,801  | )      |   |   | (4,074 | ) |
|     Net increase in short-term borrowed funds                                                                                                     |   |                      | 4,000   |   |   |   | 2,750 |   |
|     Repayment of long-term borrowed funds                                                                                                         |   |                      | (1,000  | )      |   |   | (1,000 | ) |
|     Increase in advance payments by borrowers for taxes                                                                                           |   |                      |    |   |   |   |   |   |
|        and insurance                                                                                                               |   |                      | 105     |   |   |   | 95 |   |
|     Purchase of common shares for deferred compensation plan                                                                                      |   |                      | (17     | )      |   |   | (33 | ) |
|                    Net cash used in financing activities               |   |                      | (713    | )      |   |   | (2,262 | ) |
|                                                                                                                                                                  |   |                      |    |   |   |   |   |   |
|     Net increase (decrease) in cash and cash equivalents                                                                                          |   |                      | 3,442   |   |   |   | (1,136 | ) |
|     Cash and cash equivalents at beginning of period                                                                                              |   |                      | 3,828   |   |   |   | 6,019 |   |
|     Cash and cash equivalents at end of period                                                                                                    |   | $                         | 7,270   |   |   | $      | 4,883 |   |
|                                                                                                                                                                  |   |                      |    |   |   |   |   |   |
| Supplemental Disclosures of Cash Flow Information:                                                                                                                    |   |                      |    |   |   |   |   |   |
|     Cash paid for:                                                                                                                                |   |                      |    |   |   |   |   |   |
|         Interest on deposits and borrowed funds                                                                               |   | $                         | 1,059   |   |   | $      | 1,342 |   |
|         Income taxes                                                                                                          |   |                      | 1       |   |   |   | 130 |   |
|                                                                                                                                                                  |   |                      |    |   |   |   |   |   |
|     Transfers to real estate owned                                                                                                                |   |                      | 14      |   |   |   | 1,041 |   |

----

|                                             |   | Three Months Ended |      |   | Nine Months Ended |   |
|--------------------------------------------------|--------|--------------------|-----------|--------|-------------------|--------|
|                                             |   | June 30,           |      |   | June 30,          |   |
|                                             |   | 2012               |      |   | 2011              |   |   | 2012 |   |   | 2011 |   |
|                                             |   |               |      |   |              |   |   |   |   |   |   |   |
| Net income                                       |   | $                  | 103,999   |   |              | $      | 10,554 |   |   | $ | 215,602 |   |   | $ | 316,643 |   |
|                                             |   |               |      |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Weighted average common shares                   |   |               |      |   |              |   |   |   |   |   |   |   |   |   |   |   |
|   outstanding for computation of       |   |               |      |   |              |   |   |   |   |   |   |   |   |   |   |   |
|   basic EPS (1)                        |   |               | 1,664,795 |   |              |   | 1,655,644 |   |   |   | 1,662,507 |   |   |   | 1,653,357 |   |
|                                             |   |               |      |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Common-equivalent shares due to                  |   |               |      |   |              |   |   |   |   |   |   |   |   |   |   |   |
|   the dilutive effect of stock options |   |               |      |   |              |   |   |   |   |   |   |   |   |   |   |   |
|   and RSP awards                       |   |               | -         |   |              |   | - |   |   |   | - |   |   |   | - |   |
|                                             |   |               |      |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Weighted-average common shares                   |   |               |      |   |              |   |   |   |   |   |   |   |   |   |   |   |
|   for computation of diluted EPS       |   |               | 1,664,795 |   |              |   | 1,655,644 |   |   |   | 1,662,507 |   |   |   | 1,653,357 |   |
|                                             |   |               |      |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Earnings per common share:                       |   |               |      |   |              |   |   |   |   |   |   |   |   |   |   |   |
|    Basic                          |   | $                  | 0.06      |   |              | $      | 0.01 |   |   | $ | 0.13 |   |   | $ | 0.19 |   |
|    Diluted                        |   | $                  | 0.06      |   |              |   | 0.01 |   |   | $ | 0.13 |   |   | $ | 0.19 |   |
|                                             |   |               |      |   |              |   |   |   |   |   |   |   |   |   |   |   |
| (1) Excludes unallocated ESOP shares             |   |               |      |   |              |   |   |   |   |   |   |   |   |   |   |   |

----

|                                                                       |   | June 30, 2012 |       |
|----------------------------------------------------------------------------|--------|---------------|------------|
|                                                                       |   | Amortized     |       |   | Gross Unrealized |   |   | Estimated |   |
|                                                                       |   | Cost          |       |   | Gains |   |   | Losses |   |   | Fair Value |   |
|                                                                       |   |          |       |   |   |   |   |   |   |   |   |   |
| Investment Securities                                                      |   |          |       |   |   |   |   |   |   |   |   |   |
|    U.S. Government and Agency Securities:                   |   |          |       |   |   |   |   |   |   |   |   |   |
|       Due within one year                    |   | $             | 1,000,000  |   |   | $ | 4,840 |   |   | $ | - |   |   | $ | 1,004,840 |   |
|       Due after one year through five years  |   |          | 6,000,000  |   |   |   | 109,070 |   |   |   | - |   |   |   | 6,109,070 |   |
|       Due after five years through ten years |   |          | 10,853,837 |   |   |   | 138,438 |   |   |   | - |   |   |   | 10,992,275 |   |
|                                                                       |   |          |       |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Marketable Equity Securities                             |   |          | 2,888      |   |   |   | - |   |   |   | 2,784 |   |   |   | 104 |   |
|                                                                       |   |          |       |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Residential Mortgage-backed Securities                   |   |          | 20,890,022 |   |   |   | 1,184,613 |   |   |   | - |   |   |   | 22,074,635 |   |
|                                                                       |   |          |       |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                       |   | $             | 38,746,747 |   |   | $ | 1,436,961 |   |   | $ | 2,784 |   |   | $ | 40,180,924 |   |

|                                                                       |   | September 30, 2011 |       |
|----------------------------------------------------------------------------|--------|--------------------|------------|
|                                                                       |   | Amortized          |       |   | Gross Unrealized |   |   | Estimated |   |
|                                                                       |   | Cost               |       |   | Gains |   |   | Losses |   |   | Fair Value |   |
|                                                                       |   |               |       |   |   |   |   |   |   |   |   |   |
| Investment Securities                                                      |   |               |       |   |   |   |   |   |   |   |   |   |
|    U.S. Government and Agency Securities:                   |   |               |       |   |   |   |   |   |   |   |   |   |
|       Due after one year through five years  |   | $                  | 8,000,000  |   |   | $ | 120,410 |   |   | $ | - |   |   | $ | 8,120,410 |   |
|       Due after five years through ten years |   |               | 10,997,704 |   |   |   | 58,196 |   |   |   | 930 |   |   |   | 11,054,970 |   |
|                                                                       |   |               |       |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Marketable Equity Securities                             |   |               | 2,888      |   |   |   | - |   |   |   | 2,792 |   |   |   | 96 |   |
|                                                                       |   |               |       |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Residential Mortgage-backed Securities                   |   |               | 22,467,391 |   |   |   | 1,175,179 |   |   |   | 450 |   |   |   | 23,642,120 |   |
|                                                                       |   |               |       |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                       |   | $                  | 41,467,983 |   |   | $ | 1,353,785 |   |   | $ | 4,172 |   |   | $ | 42,817,596 |   |

----

|                                                                     |   | June 30, 2012  |   |
|--------------------------------------------------------------------------|--------|----------------|--------|
|                                                                     |   | Under One Year |   |   | One Year or More |   |
|                                                                     |   |           |   |   |   |   |   |   |   |   |   |   |
|                                                                     |   |           |   |   | Gross |   |   |   |   |   | Gross |   |
|                                                                     |   | Estimated      |   |   | Unrealized |   |   | Estimated |   |   | Unrealized |   |
|                                                                     |   | Fair Value     |   |   | Loss |   |   | Fair Value |   |   | Loss |   |
|                                                                     |   |           |   |   |   |   |   |   |   |   |   |   |
| Marketable Equity Securities                                             |   | $              | -      |   |   | $ | - |   |   | $ | 104 |   |   | $ | 2,784 |   |
|                                                                     |   |           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|         Total available for sale |   | $              | -      |   |   | $ | - |   |   | $ | 104 |   |   | $ | 2,784 |   |

|                                                                     |   | September 30, 2011 |      |
|--------------------------------------------------------------------------|--------|--------------------|-----------|
|                                                                     |   | Under One Year     |      |   | One Year or More |   |
|                                                                     |   |               |      |   |   |   |   |   |   |   |   |   |
|                                                                     |   |               |      |   | Gross |   |   |   |   |   | Gross |   |
|                                                                     |   | Estimated          |      |   | Unrealized |   |   | Estimated |   |   | Unrealized |   |
|                                                                     |   | Fair Value         |      |   | Loss |   |   | Fair Value |   |   | Loss |   |
|                                                                     |   |               |      |   |   |   |   |   |   |   |   |   |
| U.S. Government and Agency Securities                                    |   | $                  | 999,070   |   |   | $ | 930 |   |   | $ | - |   |   | $ | - |   |
| Marketable Equity Securities                                             |   |               | -         |   |   |   | - |   |   |   | 96 |   |   |   | 2,792 |   |
| Residential Mortgage-backed Securities                                   |   |               | 1,026,552 |   |   |   | 450 |   |   |   | - |   |   |   | - |   |
|                                                                     |   |               |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|         Total available for sale |   | $                  | 2,025,622 |   |   | $ | 1,380 |   |   | $ | 96 |   |   | $ | 2,792 |   |

|                                      |   | June 30, |   |   | September 30, |   |
|-------------------------------------------|--------|----------|--------|--------|---------------|--------|
|                                      |   | 2012     |   |   | 2011          |   |
|                                      |   |     |   |   |          |   |
| Residential Mortgage-backed Securities:   |   |     |   |   |          |   |
|    Amortized cost          |   | $        | 92,298 |   |          | $      | 109,236 |   |
|    Gross unrealized gains  |   |     | 2,612  |   |          |   | 3,424 |   |
|    Gross unrealized losses |   |     | -      |   |          |   | - |   |
|                                      |   |     |   |   |          |   |   |   |
|    Estimated fair value    |   | $        | 94,910 |   |          | $      | 112,660 |   |

----

|                      | Past Due                                                                                          |   |                                                                                              |   | Total                                                                                             |   |                                                                                              |   |                                                                                   |   |                                                                                   |   |
|---------------------------|---------------------------------------------------------------------------------------------------|--------|---------------------------------------------------------------------------------------------------|--------|---------------------------------------------------------------------------------------------------|--------|---------------------------------------------------------------------------------------------------|--------|----------------------------------------------------------------------------------------|--------|----------------------------------------------------------------------------------------|--------|
|                      | 30-59                                                                                             |   | 60-89                                                                                             |   | 90+                                                                                               |   |                                                                                              |   |                                                                                   |   | Loans                                                                                  |   |   |   |   |   |   | 90+ and |
| June 30, 2012             |  Days                                                                                        |   |  Days                                                                                        |   |  Days                                                                                        |   |  Total                                                                                       |   |  Current                                                                          |   |   Receivable                                                                      |   |   |   | Non-accrual |   |   | Accruing |
|                      |                                                                                              |   |                                                                                              |   |                                                                                              |   |        (In thousands)                                          |   |                                                                                   |   |                                                                                   |   |   |   |   |   |
| Residential:              |                                                                                              |   |                                                                                              |   |                                                                                              |   |                                                                                              |   |                                                                                   |   |                                                                                   |   |   |   |   |   |   |   |
|   Mortgage      |  $             -            |   |  $           35                       |   |  $         495                                  |   |  $         530                                  |   |  $    58,211                                                  |   |  $    58,741                                                  |   |   | $ | 735 |   |   |  $             - |
|   Home equity   |               43            |   |               81            |   |             207                       |   |             331                       |   |        26,343                                       |   |        26,674                                       |   |   |   |             239 |   |   |                 - |
| Commercial purpose        |                 - |   |                 - |   |          1,037                                       |   |          1,037                                       |   |        23,468                                       |   |        24,505                                       |   |   |   |             846 |   |   |             191 |
| Consumer:                 |                                                                                              |   |                                                                                              |   |                                                                                              |   |                                                                                              |   |                                                                                   |   |                                                                                   |   |   |   |   |   |   |   |
|   Account loans |                 - |   |                 - |   |                 - |   |                 - |   |               45 |   |               45 |   |   |   |                  - |   |   |                 - |
|   Unsecured     |                 - |   |                 - |   |                 - |   |                 - |   |               87 |   |               87 |   |   |   |                  - |   |   |                 - |
|   Other         |  -                                                                                           |   |  -                                                                                           |   |  -                                                                                           |   |                 - |   |               43 |   |               43 |   |   |   |  - |   |   |  - |
|                      |  $           43                       |   |  $         116                                  |   |  $      1,739                                                  |   |  $      1,898                                                  |   |  $  108,197                                                             |   |  $  110,095                                                             |   |   | $ | 1,820 |   |   |  $         191 |
|                      |                                                                                              |   |                                                                                              |   |                                                                                              |   |                                                                                              |   |                                                                                   |   |                                                                                   |   |   |   |   |   |   |   |
|                      | Past Due                                                                                          |   |                                                                                              |   | Total                                                                                             |   |                                                                                              |   |                                                                                   |   |                                                                                   |   |
|                      | 30-59                                                                                             |   | 60-89                                                                                             |   | 90+                                                                                               |   |                                                                                              |   |                                                                                   |   | Loans                                                                                  |   |   |   |   |   |   | 90+ and |
| September 30, 2011        |  Days                                                                                        |   |  Days                                                                                        |   |  Days                                                                                        |   |  Total                                                                                       |   |  Current                                                                          |   | Receivable                                                                             |   |   |   | Non-accrual |   |   |  Accruing |
|                      |                                                                                              |   |                                                                                              |   |                                                                                              |   |        (In thousands)                                          |   |                                                                                   |   |                                                                                   |   |   |   |   |   |
| Residential:              |                                                                                              |   |                                                                                              |   |                                                                                              |   |                                                                                              |   |                                                                                   |   |                                                                                   |   |   |   |   |   |   |   |
|   Mortgage      |  $           36                       |   |  $             -            |   |  $         209                                  |   |  $         245                                  |   |  $    55,882                                                  |   |  $    56,127                                                  |   |   | $ | 209 |   |   |  $             - |
|   Home equity   |               91            |   |               72            |   |             140                       |   |             303                       |   |        26,620                                       |   |        26,923                                       |   |   |   |             140 |   |   |                 - |
| Commercial purpose        |                 - |   |                 - |   |             526                       |   |             526                       |   |        26,073                                       |   |        26,599                                       |   |   |   |             335 |   |   |             191 |
| Consumer:                 |                                                                                              |   |                                                                                              |   |                                                                                              |   |                                                                                              |   |                                                                                   |   |                                                                                   |   |   |   |   |   |   |   |
|   Account loans |                 - |   |                 - |   |                 - |   |                 - |   |               47 |   |               47 |   |   |   |                  - |   |   |                 - |
|   Unsecured     |                 - |   |                 - |   |                 - |   |                 - |   |               79 |   |               79 |   |   |   |                  - |   |   |                 - |
|   Other         |               36            |   |  -                                                                                           |   |  -                                                                                           |   |               36            |   |               71 |   |             107            |   |   |   |  - |   |   |  - |
|                      |  $         163                                  |   |  $           72                       |   |  $         875                                  |   |  $      1,110                                                  |   |  $  108,772                                                             |   |  $  109,882                                                             |   |   | $ | 684 |   |   |  $         191 |

|                                   |   |                 |   |   |               |   |   |               |   |   |          |   |   |       |   |   |          |   |
|----------------------------------------|--------|----------------------|--------|--------|--------------------|--------|--------|--------------------|--------|--------|---------------|--------|--------|------------|--------|--------|---------------|--------|
| Credit Risk Profile by Classification: |   |                 |   |   |               |   |   |               |   |   |          |   |   |       |   |   |
|                                   |   | Residential Mortgage |   |   | Home Equity        |   |   | Commercial Purpose |   |
|                                   |   | June 30,             |   |   | September 30,      |   |   | June 30,           |   |   | September 30, |   |   | June 30,   |   |   | September 30, |   |
| (In thousands)                         |   | 2012                 |   |   | 2011               |   |   | 2012               |   |   | 2011          |   |   | 2012       |   |   | 2011          |   |
|                                   |   |                 |   |   |               |   |   |               |   |   |          |   |   |       |   |   |          |   |
| Pass                                   |   | $                    | 56,754 |   |               | $      | 54,389 |               |   | $      | 26,322        |   |   | $          | 26,590 |   |          | $      | 16,668 |   |   | $ | 16,896 |   |
| Special mention                        |   |                 | 1,252  |   |               |   | 1,493  |               |   |   | 113           |   |   |       | 193    |   |          |   | 3,932 |   |   |   | 4,374 |   |
| Substandard                            |   |                 | 735    |   |               |   | 245    |               |   |   | 219           |   |   |       | 140    |   |          |   | 3,905 |   |   |   | 5,116 |   |
| Doubtful                               |   |                 | -      |   |               |   | -      |               |   |   | -             |   |   |       | -      |   |          |   | - |   |   |   | - |   |
| Loss                                   |   |                 | -      |   |               |   | -      |               |   |   | 20            |   |   |       | -      |   |          |   | - |   |   |   | 213 |   |
|    Total                |   | $                    | 58,741 |   |               | $      | 56,127 |               |   | $      | 26,674        |   |   | $          | 26,923 |   |          | $      | 24,505 |   |   | $ | 26,599 |   |
|                                   |   |                 |   |   |               |   |   |               |   |   |          |   |   |       |   |   |          |   |   |   |   |   |   |   |
| Credit Risk Profile by Performance:    |   |                 |   |   |               |   |   |               |   |   |          |   |   |       |   |   |          |   |   |   |   |
|                                   |   | Consumer             |   |
|                                   |   | Account Loans        |   |   | Consumer Unsecured |   |   | Other Consumer     |   |
|                                   |   | June 30,             |   |   | September 30,      |   |   | June 30,           |   |   | September 30, |   |   | June 30,   |   |   | September 30, |   |
| (In thousands)                         |   |  2012           |   |   |  2011         |   |   |  2012         |   |   |  2011    |   |   |  2012 |   |   |  2011    |   |
|                                   |   |                 |   |   |               |   |   |               |   |   |          |   |   |       |   |   |          |   |   |   |   |   |   |   |
| Performing                             |   | $                    | 45     |   |               | $      | 47     |               |   | $      | 87            |   |   | $          | 79     |   |          | $      | 43 |   |   | $ | 107 |   |
| Non-performing                         |   |                 | -      |   |               |   | -      |               |   |   | -             |   |   |       | -      |   |          |   | - |   |   |   | - |   |
|    Total                     |   | $                    | 45     |   |               | $      | 47     |               |   | $      | 87            |   |   | $          | 79     |   |          | $      | 43 |   |   | $ | 107 |   |

----

|                                         |   | As of June 30, 2012 |   |   | As of September 30, 2011 |   |
|----------------------------------------------|--------|---------------------|--------|--------|--------------------------|--------|
|                                         |   |                |   |   | Unpaid                   |   |   |   |   |   |   |   |   | Unpaid |   |   |   |   |
|                                         |   | Recorded            |   |   | Principal                |   |   | Related |   |   | Recorded |   |   | Principal |   |   | Related |   |
| (In thousands)                               |   | Investment          |   |   | Balance                  |   |   | Allowance |   |   | Investment |   |   | Balance |   |   | Allowance |   |
|                                         |   |                |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |
| With no related allowance:                   |   |                |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Residential                |   |                |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      Mortgage       |   | $                   | -      |   |                     | $      | - |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |
|      Home equity    |   |                | 135    |   |                     |   | 135 |   |   |   | - |   |   |   | 140 |   |   |   | 140 |   |   |   | - |   |
|   Commercial purpose               |   |                | 1,129  |   |                     |   | 1,129 |   |   |   | - |   |   |   | 1,441 |   |   |   | 1,441 |   |   |   | - |   |
|                                         |   |                | 1,264  |   |                     |   | 1,264 |   |   |   | - |   |   |   | 1,581 |   |   |   | 1,581 |   |   |   | - |   |
|                                         |   |                |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| With a related allowance:                    |   |                |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Residential                |   |                |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      Mortgage       |   |                | -      |   |                     |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |
|      Home equity    |   |                | 72     |   |                     |   | 72 |   |   |   | 20 |   |   |   | - |   |   |   | - |   |   |   | - |   |
|   Commercial purpose               |   |                | 296    |   |                     |   | 296 |   |   |   | 91 |   |   |   | 507 |   |   |   | 507 |   |   |   | 213 |   |
|                                         |   |                | 368    |   |                     |   | 368 |   |   |   | 111 |   |   |   | 507 |   |   |   | 507 |   |   |   | 213 |   |
|                                         |   |                |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total:                                       |   |                |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Residential                |   |                |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      Mortgage       |   |                | -      |   |                     |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |
|      Home equity    |   |                | 207    |   |                     |   | 207 |   |   |   | 20 |   |   |   | 140 |   |   |   | 140 |   |   |   | - |   |
|   Commercial purpose               |   |                | 1,425  |   |                     |   | 1,425 |   |   |   | 91 |   |   |   | 1,948 |   |   |   | 1,948 |   |   |   | 213 |   |
|      Total impaired |   | $                   | 1,632  |   |                     | $      | 1,632 |   |   | $ | 111 |   |   | $ | 2,088 |   |   | $ | 2,088 |   |   | $ | 213 |   |

|                                         |   | For the Three Months Ended |   |   | For the Nine Months Ended |   |
|----------------------------------------------|--------|----------------------------|--------|--------|---------------------------|--------|
|                                         |   | June 30, 2012              |   |   | June 30, 2011             |   |   | June 30, 2012 |   |   | June 30, 2011 |   |
|                                         |   | Average                    |   |   | Interest                  |   |   | Average |   |   | Interest |   |   | Average |   |   | Interest |   |   | Average |   |   | Interest |   |
|                                         |   | Recorded                   |   |   | Income                    |   |   | Recorded |   |   | Income |   |   | Recorded |   |   | Income |   |   | Recorded |   |   | Income |   |
| (In thousands)                               |   | Investment                 |   |   | Recognized                |   |   | Investment |   |   | Recognized |   |   | Investment |   |   | Recognized |   |   | Investment |   |   | Recognized |   |
|                                         |   |                       |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| With no related allowance:                   |   |                       |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Residential                |   |                       |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      Mortgage       |   | $                          | 157    |   |                      | $      | 13 |   |   | $ | 24 |   |   | $ | - |   |   | $ | 83 |   |   | $ | 13 |   |   | $ | 28 |   |   | $ | - |   |
|      Home equity    |   |                       | 160    |   |                      |   | 1 |   |   |   | 108 |   |   |   | - |   |   |   | 153 |   |   |   | 1 |   |   |   | 69 |   |   |   | - |   |
|   Commercial purpose               |   |                       | 1,135  |   |                      |   | 15 |   |   |   | 1,622 |   |   |   | 18 |   |   |   | 1,178 |   |   |   | 48 |   |   |   | 1,046 |   |   |   | 18 |   |
|                                         |   |                       | 1,452  |   |                      |   | 29 |   |   |   | 1,754 |   |   |   | 18 |   |   |   | 1,414 |   |   |   | 62 |   |   |   | 1,143 |   |   |   | 18 |   |
|                                         |   |                       |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| With a related allowance:                    |   |                       |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Residential                |   |                       |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      Mortgage       |   |                       | -      |   |                      |   | - |   |   |   | 80 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 390 |   |   |   | - |   |
|      Home equity    |   |                       | 72     |   |                      |   | - |   |   |   | - |   |   |   | - |   |   |   | 43 |   |   |   | - |   |   |   | - |   |   |   | - |   |
|   Commercial purpose               |   |                       | 463    |   |                      |   | 3 |   |   |   | 3,230 |   |   |   | 1 |   |   |   | 564 |   |   |   | 10 |   |   |   | 3,358 |   |   |   | 7 |   |
|                                         |   |                       | 535    |   |                      |   | 3 |   |   |   | 3,310 |   |   |   | 1 |   |   |   | 607 |   |   |   | 10 |   |   |   | 3,748 |   |   |   | 7 |   |
|                                         |   |                       |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total:                                       |   |                       |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Residential                |   |                       |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      Mortgage       |   |                       | 157    |   |                      |   | 13 |   |   |   | 104 |   |   |   | - |   |   |   | 83 |   |   |   | 13 |   |   |   | 418 |   |   |   | - |   |
|      Home equity    |   |                       | 232    |   |                      |   | 1 |   |   |   | 108 |   |   |   | - |   |   |   | 196 |   |   |   | 1 |   |   |   | 69 |   |   |   | - |   |
|   Commercial purpose               |   |                       | 1,598  |   |                      |   | 18 |   |   |   | 4,852 |   |   |   | 19 |   |   |   | 1,742 |   |   |   | 58 |   |   |   | 4,404 |   |   |   | 25 |   |
|      Total impaired |   | $                          | 1,987  |   |                      | $      | 32 |   |   | $ | 5,064 |   |   | $ | 19 |   |   | $ | 2,021 |   |   | $ | 72 |   |   | $ | 4,891 |   |   | $ | 25 |   |

----

|                                        |   |                 |   |   | Commercial |       |   |     |   |   |        |   |   |   |   |
|---------------------------------------------|--------|----------------------|--------|--------|------------|------------|--------|----------|--------|--------|-------------|--------|--------|--------|--------|
|                                        |   | Residential          |   |   | Purpose    |       |   | Consumer |   |   | Unallocated |   |   | Total  |   |
| June 30, 2012                               |   |  (In thousands) |   |
|                                        |   |                 |   |   |       |       |   |     |   |   |        |   |   |   |   |
| Allowance for loan losses:                  |   |                 |   |   |       |       |   |     |   |   |        |   |   |   |   |
|                                        |   |                 |   |   |       |       |   |     |   |   |        |   |   |   |   |
| Beginning balance                           |   | $                    | 216    |   |       | $          | 982    |     |   | $      | 3           |   |   | $      | 103    |   |   | $ | 1,304 |   |
| Provision for loan losses                   |   |                 | 136    |   |       |       | (60    | )        |   |   | (1          | )      |   |   | (75    | ) |   |   | - |   |
| Charge-offs                                 |   |                 | (94    | )      |       |       | (228   | )        |   |   | -           |   |   |   | -      |   |   |   | (322 | ) |
| Recoveries                                  |   |                 | -      |   |       |       | 12     |     |   |   | -           |   |   |   | -      |   |   |   | 12 |   |
| Ending Balance                              |   | $                    | 258    |   |       | $          | 706    |     |   | $      | 2           |   |   | $      | 28     |   |   | $ | 994 |   |
|                                        |   |                 |   |   |       |       |   |     |   |   |        |   |   |   |   |   |   |   |   |   |
| Ending balance, allowance for loan losses:  |   |                 |   |   |       |       |   |     |   |   |        |   |   |   |   |   |   |   |   |   |
|                                        |   |                 |   |   |       |       |   |     |   |   |        |   |   |   |   |   |   |   |   |   |
| Loans individually evaluated for impairment |   | $                    | 20     |   |       | $          | 91     |     |   | $      | -           |   |   | $      | -      |   |   | $ | 111 |   |
| Loans collectively evaluated for impairment |   |                 | 238    |   |       |       | 615    |     |   |   | 2           |   |   |   | 28     |   |   |   | 883 |   |
|      Total         |   | $                    | 258    |   |       | $          | 706    |     |   | $      | 2           |   |   | $      | 28     |   |   | $ | 994 |   |
|                                        |   |                 |   |   |       |       |   |     |   |   |        |   |   |   |   |   |   |   |   |   |
| Related loan receivable balance:            |   |                 |   |   |       |       |   |     |   |   |        |   |   |   |   |   |   |   |   |   |
|                                        |   |                 |   |   |       |       |   |     |   |   |        |   |   |   |   |   |   |   |   |   |
| Loans individually evaluated for impairment |   | $                    | 207    |   |       | $          | 1,425  |     |   | $      | -           |   |   |   |   |   |   | $ | 1,632 |   |
| Loans collectively evaluated for impairment |   |                 | 85,208 |   |       |       | 23,080 |     |   |   | 175         |   |   |   |   |   |   |   | 108,463 |   |
|      Total         |   | $                    | 85,415 |   |       | $          | 24,505 |     |   | $      | 175         |   |   |   |   |   |   | $ | 110,095 |   |
|                                        |   |                 |   |   |       |       |   |     |   |   |        |   |   |   |   |   |   |   |   |   |
|                                        |   |                 |   |   |       | Commercial |   |     |   |   |        |   |   |   |   |   |   |   |   |
|                                        |   | Residential          |   |   | Purpose    |       |   | Consumer |   |   | Unallocated |   |   | Total  |   |
| June 30, 2011                               |   | (In thousands)       |   |
|                                        |   |                 |   |   |       |       |   |     |   |   |        |   |   |   |   |   |   |   |   |   |
| Allowance for loan loss activity:           |   |                 |   |   |       |       |   |     |   |   |        |   |   |   |   |   |   |   |   |   |
|                                        |   |                 |   |   |       |       |   |     |   |   |        |   |   |   |   |   |   |   |   |   |
| Beginning balance                           |   | $                    | 484    |   |       | $          | 2,664  |     |   | $      | 18          |   |   | $      | 42     |   |   | $ | 3,208 |   |
| Provision for loan losses                   |   |                 | (143   | )      |       |       | 311    |     |   |   | (14         | )      |   |   | (19    | ) |   |   | 135 |   |
| Charge-offs                                 |   |                 | (107   | )      |       |       | (773   | )        |   |   | -           |   |   |   | -      |   |   |   | (880 | ) |
| Recoveries                                  |   |                 | -      |   |       |       | 44     |     |   |   | -           |   |   |   | -      |   |   |   | 44 |   |
| Ending Balance                              |   | $                    | 234    |   |       | $          | 2,246  |     |   | $      | 4           |   |   | $      | 23     |   |   | $ | 2,507 |   |
|                                        |   |                 |   |   |       |       |   |     |   |   |        |   |   |   |   |   |   |   |   |   |
| Ending balance, allowance for loan losses:  |   |                 |   |   |       |       |   |     |   |   |        |   |   |   |   |   |   |   |   |   |
|                                        |   |                 |   |   |       |       |   |     |   |   |        |   |   |   |   |   |   |   |   |   |
| Loans individually evaluated for impairment |   | $                    | -      |   |       | $          | 1,376  |     |   | $      | -           |   |   | $      | -      |   |   | $ | 1,376 |   |
| Loans collectively evaluated for impairment |   |                 | 234    |   |       |       | 870    |     |   |   | 4           |   |   |   | 23     |   |   |   | 1,131 |   |
|      Total         |   | $                    | 234    |   |       | $          | 2,246  |     |   | $      | 4           |   |   | $      | 23     |   |   | $ | 2,507 |   |
|                                        |   |                 |   |   |       |       |   |     |   |   |        |   |   |   |   |   |   |   |   |   |
| Related loan receivable balance:            |   |                 |   |   |       |       |   |     |   |   |        |   |   |   |   |   |   |   |   |   |
|                                        |   |                 |   |   |       |       |   |     |   |   |        |   |   |   |   |   |   |   |   |   |
| Loans individually evaluated for impairment |   | $                    | 140    |   |       | $          | 4,269  |     |   | $      | -           |   |   |   |   |   |   | $ | 4,409 |   |
| Loans collectively evaluated for impairment |   |                 | 82,443 |   |       |       | 24,809 |     |   |   | 265         |   |   |   |   |   |   |   | 107,517 |   |
|      Total         |   | $                    | 82,583 |   |       | $          | 29,078 |     |   | $      | 265         |   |   |   |   |   |   | $ | 111,926 |   |

----

|                                 |   |      |    |   | Average  |   |
|--------------------------------------|--------|-----------|---------|--------|----------|--------|
|                                 |   | Number of |    |   | Exercise |   |
|                                 |   | Shares    |    |   | Price    |   |
|                                 |   |      |    |   |     |   |
|  Outstanding September 30, 2011 |   |      | 103,242 |   |     | $      | 11.283 |   |
|  Forfeited                      |   |      | (10,000 | )      |     |   | 12.725 |   |
|  Outstanding June 30, 2012      |   |      | 93,242  |   |     | $      | 11.128 |   |

|   | Number    |   |   | Exercise |   | Remaining        |
|--------|--------------------------|--------|--------|----------|--------|------------------|
|   | of Shares      |   |   | Price    |   | Contractual Life |
|   |                     |   |   |     |   |
|   | 54,642                   |   |   | $        | 10.000 |             | 3.6 years |
|   | 38,600                   |   |   |     | 12.725 |             | 4.2 years |
|   |                     |   |   |     |   |             |   |
|   | 93,242                   |   |   | $        | 11.128 |             | 3.8 years |

----

|                           |   |      |   |   | Weighted   |   |
|--------------------------------|--------|-----------|--------|--------|------------|--------|
|                           |   |      |   |   | Average    |   |
|                           |   | Number    |   |   | Grant Date |   |
|                           |   | of Shares |   |   | Fair Value |   |
|                           |   |      |   |   |       |   |
| Outstanding September 30, 2011 |   |      | 2,796  |   |       | $      | 6.948 |   |
| Granted                        |   |      | -      |   |       |   | - |   |
| Vested                         |   |      | (1,195 | )      |       |   | 8.553 |   |
| Forfeited                      |   |      | (1,044 | )      |       |   | 5.750 |   |
|                           |   |      |   |   |       |   |   |   |
| Outstanding June 30, 2012      |   |      | 557    |   |       | $      | 5.750 |   |

| Level 1 | Quoted prices in active markets for identical assets or liabilities. |
|---------|----------------------------------------------------------------------|

| Level 2: | Quoted prices for similar assets or liabilities in active markets; quoted prices for identical or similar assets or liabilities in inactive markets; or observable market data. |
|----------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Level 3: | Unobservable inputs where there is little, if any, market activity and that are developed based on the best information available under the circumstances. |
|----------|------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|                                                                            |   | Level 1                           |   |   | Level 2 |   |   | Level 3 |   |   | Total  |   |
|---------------------------------------------------------------------------------|--------|-----------------------------------|--------|--------|---------|--------|--------|---------|--------|--------|--------|--------|
|                                                                            |   |  (Dollars in thousands) |   |
| June 30, 2012                                                                   |   |                              |   |   |    |   |   |    |   |   |   |   |   |
|    Securities available for sale:                                |   |                              |   |   |    |   |   |    |   |   |   |   |   |
|        U.S. government and agency securities |   | $                                 | -      |   |    | $      | 18,106 |    |   | $      | -      |   |   | $ | 18,106 |   |
|        Mortgage-backed securities            |   |                              | -      |   |    |   | 22,075 |    |   |   | -      |   |   |   | 22,075 |   |
|                                                                            |   |                              |   |   |    |   |   |    |   |   |   |   |   |   |   |   |
| September 30, 2011                                                              |   |                              |   |   |    |   |   |    |   |   |   |   |   |   |   |   |
|    Securities available for sale:                                |   |                              |   |   |    |   |   |    |   |   |   |   |   |   |   |   |
|        U.S. government and agency securities |   | $                                 | -      |   |    | $      | 19,175 |    |   | $      | -      |   |   | $ | 19,175 |   |
|        Mortgage-backed securities            |   |                              | -      |   |    |   | 23,642 |    |   |   | -      |   |   |   | 23,642 |   |

|                                      |   | Level 1                |   |   | Level 2 |   |   | Level 3 |   |   | Total  |   |
|-------------------------------------------|--------|------------------------|--------|--------|---------|--------|--------|---------|--------|--------|--------|--------|
|                                      |   | (Dollars in thousands) |   |
| June 30, 2012                             |   |                   |   |   |    |   |   |    |   |   |   |   |
|     Impaired loans    |   | $                      | -      |   |    | $      | -      |    |   | $      | 257    |   |   | $ | 257 |   |
|     Real estate owned |   |                   | -      |   |    |   | -      |    |   |   | 444    |   |   |   | 444 |   |
|                                      |   |                   |   |   |    |   |   |    |   |   |   |   |   |   |   |   |
| September 30, 2011                        |   |                   |   |   |    |   |   |    |   |   |   |   |   |   |   |   |
|     Impaired loans    |   | $                      | -      |   |    | $      | -      |    |   | $      | 293    |   |   | $ | 293 |   |

----

----

|                          |   | June 30, 2012 |    |   | September 30, 2011 |   |
|-------------------------------|--------|---------------|---------|--------|--------------------|--------|
|                          |   | Carrying      |    |   | Fair               |   |   | Carrying |   |   | Fair |   |
|                          |   | Amount        |    |   | Value              |   |   | Amount |   |   | Value |   |
|                          |   |          |    |   |               |   |   |   |   |   |   |   |
| Financial Assets              |   |          |    |   |               |   |   |   |   |   |   |   |
|                          |   |          |    |   |               |   |   |   |   |   |   |   |
| Cash and cash equivalents     |   | $             | 7,270   |   |               | $      | 7,270 |   |   | $ | 3,828 |   |   | $ | 3,828 |   |
| Securities available for sale |   |          | 40,181  |   |               |   | 40,181 |   |   |   | 42,818 |   |   |   | 42,818 |   |
| Securities held to maturity   |   |          | 92      |   |               |   | 95 |   |   |   | 109 |   |   |   | 113 |   |
| Loans receivable              |   |          | 109,130 |   |               |   | 111,711 |   |   |   | 108,616 |   |   |   | 112,976 |   |
| Accrued interest receivable   |   |          | 472     |   |               |   | 472 |   |   |   | 516 |   |   |   | 516 |   |
| FHLB stock                    |   |          | 670     |   |               |   | 670 |   |   |   | 545 |   |   |   | 545 |   |
|                          |   |          |    |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Financial Liabilities         |   |          |    |   |               |   |   |   |   |   |   |   |   |   |   |   |
|                          |   |          |    |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                      |   |          | 135,418 |   |               |   | 136,378 |   |   |   | 139,219 |   |   |   | 141,293 |   |
| Borrowed funds                |   |          | 9,000   |   |               |   | 9,157 |   |   |   | 6,000 |   |   |   | 6,274 |   |

----

| ITEM 2. | MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS |
|---------|---------------------------------------------------------------------------------------------|

----

----

|                      |   | Three Months Ended |      |   | Nine Months Ended |   |
|---------------------------|--------|--------------------|-----------|--------|-------------------|--------|
|                      |   |  June 30,     |      |   |  June 30,    |   |
|                      |   | 2012               |      |   | 2011              |   |   | 2012 |   |   | 2011 |   |
|                      |   |               |      |   |              |   |   |   |   |   |   |   |
| Balance - beginning       |   | $                  | 1,217,541 |   |              | $      | 3,114,690 |   |   | $ | 1,304,500 |   |   | $ | 3,207,851 |   |
| Provision for loan losses |   |               | -         |   |              |   | 85,000 |   |   |   | - |   |   |   | 135,000 |   |
| Charge-offs               |   |               | (227,862  | )      |              |   | (729,069 | ) |   |   | (322,116 | ) |   |   | (879,958 | ) |
| Recoveries                |   |               | 4,540     |   |              |   | 36,157 |   |   |   | 11,835 |   |   |   | 43,885 |   |
|                      |   |               |      |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Balance - ending          |   | $                  | 994,219   |   |              | $      | 2,506,778 |   |   | $ | 994,219 |   |   | $ | 2,506,778 |   |

----

| (Dollars in thousands)         |   | Amount |   |   | Ratio  |   |
|--------------------------------|--------|--------|--------|--------|--------|--------|
|                           |   |   |   |   |   |   |
| Tangible capital               |   | $      | 14,096 |   |   |   | 8.70 | % |
| Tangible capital requirement   |   |   | 2,429  |   |   |   | 1.50 | % |
| Excess over requirement        |   | $      | 11,667 |   |   |   | 7.20 | % |
|                           |   |   |   |   |   |   |   |   |
| Core capital                   |   | $      | 14,096 |   |   |   | 8.70 | % |
| Core capital requirement       |   |   | 6,478  |   |   |   | 4.00 | % |
| Excess over requirement        |   | $      | 7,618  |   |   |   | 4.70 | % |
|                           |   |   |   |   |   |   |   |   |
| Risk-based capital             |   | $      | 15,090 |   |   |   | 16.11 | % |
| Risk-based capital requirement |   |   | 7,493  |   |   |   | 8.00 | % |
| Excess over requirement        |   | $      | 7,597  |   |   |   | 8.11 | % |

----

|                                       |   |                       |   |   |     |   |
|--------------------------------------------|--------|----------------------------|--------|--------|----------|--------|
|                                       |   | At or for the Three Months |   |
|                                       |   | Ended June 30,             |   |
|                                       |   | 2012 (1)                   |   |   | 2011 (1) |   |
| Earnings per common share (2):             |   |                       |   |   |     |   |
| Basic                                      |   | $                          | 0.06   |   |     | $      | 0.01 |   |
| Diluted                                    |   | $                          | 0.06   |   |     | $      | 0.01 |   |
| Return on average assets (1)               |   |                       | 0.26   | %      |     |   | 0.03 | % |
| Return on average equity (1)               |   |                       | 2.47   | %      |     |   | 0.26 | % |
| Interest rate spread (1)                   |   |                       | 2.97   | %      |     |   | 3.03 | % |
| Net interest margin (1)                    |   |                       | 3.23   | %      |     |   | 3.31 | % |
| Non-interest expense to average assets (1) |   |                       | 2.97   | %      |     |   | 3.18 | % |
| Non-performing assets to total assets      |   |                       | 1.50   | %      |     |   | 2.62 | % |
| Non-performing loans to total loans        |   |                       | 1.83   | %      |     |   | 2.86 | % |
| Book value per share (3)                   |   | $                          | 10.04  |   |     | $      | 9.69 |   |

|   |                                                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|--------|-------------------------------------------------------------------------------------------------------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|
| (1)    | The ratios for the three month periods presented are annualized.                                      |   |   |   |   |   |   |   |   |
| (2)    | The average number of shares outstanding during the three months ended June 30, 2012                  |   |   |   |   |
|   | was 1,664,795 basic and diluted.  The average number of shares outstanding during the three |   |   |   |   |
|   | months ended June 30, 2011 was 1,655,644 basic and diluted.                                           |   |   |   |   |   |   |   |   |
| (3)    | There were 1,686,527 shares outstanding at June 30, 2012 and June 30, 2011.                           |   |   |   |   |   |   |

|                                       |   | For the Nine Months |   |
|--------------------------------------------|--------|---------------------|--------|
|                                       |   | Ended June 30,      |   |
|                                       |   | 2012 (1)            |   |   | 2011 (1) |   |
| Earnings per common share (2):             |   |                |   |   |   |   |
| Basic                                      |   | $                   | 0.13   |   |   | $ | 0.19 |   |
| Diluted                                    |   | $                   | 0.13   |   |   | $ | 0.19 |   |
| Return on average assets (1)               |   |                | 0.18   | % |   |   | 0.26 | % |
| Return on average equity (1)               |   |                | 1.71   | % |   |   | 2.61 | % |
| Interest rate spread (1)                   |   |                | 2.96   | % |   |   | 3.00 | % |
| Net interest margin (1)                    |   |                | 3.22   | % |   |   | 3.28 | % |
| Non-interest expense to average assets (1) |   |                | 3.11   | % |   |   | 2.92 | % |

|   |                                                                                                    |   |   |   |   |   |   |   |   |
|--------|---------------------------------------------------------------------------------------------------------|--------|--------|--------|--------|--------|--------|--------|--------|
| (1)    | The ratios for the nine month periods presented are annualized.                                         |   |   |
| (2)    | The average number of shares outstanding during the nine months ended June 30, 2012 was                 |
|   | 1,662,507 basic and diluted.  The average number of shares outstanding during the nine months |
|   | ended June 30, 2011 was 1,653,357 basic and diluted.                                                    |   |   |   |   |

----

----

| ITEM 1. | LEGAL PROCEEDINGS |
|---------|-------------------|

| ITEM 1A. | RISK FACTORS |
|----------|--------------|

| ITEM 2. | UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS |
|---------|-------------------------------------------------------------|

|      Period |    (a) Total NumberOf Shares (orUnits) Purchased |   (b)Average PricePaid per Share(or Unit) | (c) Total NumberOf Shares (or Units)Purchased as PartOf PubliclyAnnounced Plansor Programs*                                                                                                       | (d) Maximum Number(or Approximate DollarValue) of Shares (orUnits) that May Yet BePurchased Under thePlans or Programs* |
|--------------------------------------|----------------------------------------------------------------------|-----------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------|
|  April 1 through 30        |  -                                                              |  -                                             |                                 - |  62,996                                                                                                            |
|  May 1 through 31          |        -4,100 **                  |  $4.00                                         |                                -       |  62,996                                                                                                       |
|  June 1 through 30         |  -                                                              |  -                                             |          -                                                                                                                                           |  62,996                                                                                                       |
|  Total                     |  4,100                  |  $4.00                                         | -                                                                                                                                                                                                 |                                                                                                                    |

|   |   |   |
|--------|--------|--------|

|   | * | The Company announced the repurchase of up to approximately 85,500 shares on December 13, 2005 and 47,000 shares for the RSP on January 31, 2006 |
|--------|---|--------------------------------------------------------------------------------------------------------------------------------------------------|

|   | ** | Represents shares purchased for the Deferred Compensation Plan. |
|--------|----|-----------------------------------------------------------------|

| ITEM 3. | DEFAULTS UPON SENIOR SECURITIES |
|---------|---------------------------------|

| ITEM 4. | MINE SAFETY DISCLOSURES |
|---------|-------------------------|

| ITEM 5. | OTHER INFORMATION |
|---------|-------------------|

| (a)   | Not applicable |
|-----------------|----------------|

| (b)   | Not applicable |
|-----------------|----------------|

----

| ITEM 6. | EXHIBITS |
|---------|----------|

| 3.1   | Certificate of Incorporation* |
|-----------------|-------------------------------|

| 3.2   | Bylaws** |
|-----------------|----------|

| 4.0   | Form of Stock Certificate*** |
|-----------------|------------------------------|

| 10.1   | Directors Consultation and Retirement Plan******* |
|------------------|---------------------------------------------------|

| 10.2   | Stock Option Plan**** |
|------------------|-----------------------|

| 10.3   | Restricted Stock Plan**** |
|------------------|---------------------------|

| 10.4   | Employment Agreement between Janice A. Summers and Roebling Bank******** |
|------------------|--------------------------------------------------------------------------|

| 10.5   | Roebling Financial Corp, Inc. 2006 Stock Option Plan***** |
|------------------|-----------------------------------------------------------|

| 10.6   | Roebling Bank 2006 Restricted Stock Plan***** |
|------------------|-----------------------------------------------|

| 10.7   | Directors Change in Control Severance Plan****** |
|------------------|--------------------------------------------------|

| 10.8   | Directors Deferred Compensation Agreement between John J. Ferry and Roebling Bank******* |
|------------------|------------------------------------------------------------------------------------------|

| 10.9   | Directors Deferred Compensation Agreement between George N. Nyikita and Roebling Bank******* |
|------------------|----------------------------------------------------------------------------------------------|

| 10.10   | Directors Deferred Compensation Agreement between Mark V. Dimon and Roebling Bank******** |
|-------------------|-------------------------------------------------------------------------------------------|

| 10.11   | Formal Agreement, dated July 23, 2012********* |
|-------------------|------------------------------------------------|

|   |      31 | Rule 13a-14(a)/15d-14(a) Certification of Chief Executive Officer and Chief Financial Officer |
|--------|-----------------------------|-----------------------------------------------------------------------------------------------|

|   |      101 | Interactive Data Files + |
|--------|------------------------------|--------------------------|

|      |   |                                                                                                                                                              |
|-----------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| *         |   | Incorporated herein by reference to the Company’s Form 8-A (File No. 0-59069) filed with the Commission on September 30, 2004.                         |
| **        |   | Incorporated herein by reference to the Company’s Quarterly Report on Form 10-QSB for the quarter ended June 30, 2005.                                 |
| ***       |   | Incorporated herein by reference to the Company’s Registration Statement on Form SB-2 (File No. 333-116312) filed with the Commission on June 9, 2004. |
| ****      |   | Incorporated herein by reference to Company’s Registration Statement on Form S-8 (File No. 333-119839) filed with the Commission on October 20, 2004.       |
| *****     |   | Incorporated herein by reference to Company’s Registration Statement on Form S-8 (File No. 333-132059) filed with the Commission on February 27, 2006.      |
| ******    |   | Incorporated herein by reference to the Company’s Quarterly Report on Form 10-QSB for the quarter ended June 30, 2008.                                 |
| *******   |   | Incorporated herein by reference to the Company’s Quarterly Report on Form 10-Q for the quarter ended  December 31, 2008.                    |
| ********  |   | Incorporated herein by reference to the Company’s Quarterly Report on Form 10-Q for the quarter ended June 30, 2009.                                   |
| ********* |   | Incorporated herein by reference to the Company’s Current Report on Form 8-K filed with the Commission on July 27, 2012.                               |
| +         |   | To be filed by amendment as permitted by Rule 405(a)(2)(ii) of Regulation S-T.                                                                                    |
|      |   |                                                                                                                                                              |

----

|   |           |   | ROEBLING FINANCIAL CORP, INC. |
|--------|----------------|--------|-------------------------------|
|   |           |   |                          |   |
|   |           |   |                          |   |
| Date:  | August 9, 2012 |   | By:                           | /s/ Janice A. Summers |
|   |           |   |                          | Janice A. Summers |
|   |           |   |                          | Acting President, Chief Operating Officer and |
|   |           |   |                          |    Chief Financial Officer |
|   |           |   |                          |       (Duly Authorized Officer and Principal Financial |
|   |           |   |                          |       and Accounting Officer) |
|   |           |   |                          |   |