Community West Bancshares (CWBC) 10-Q12 Nov 132013 Q3 Quarterly reportFinancial data

Company Profile

Document_and_Entity_Informatio

Document and Entity Information	9 Months Ended
Document and Entity Information	Sep. 30, 2013	Oct. 31, 2013
Document and Entity Information [Abstract]	'	'
Entity Registrant Name	'COMMUNITY WEST BANCSHARES /	'
Entity Central Index Key	'0001051343	'
Current Fiscal Year End Date	'--12-31	'
Entity Well-known Seasoned Issuer	'No	'
Entity Voluntary Filers	'No	'
Entity Current Reporting Status	'Yes	'
Entity Filer Category	'Smaller Reporting Company	'
Entity Common Stock, Shares Outstanding	'	7,866,783
Document Fiscal Year Focus	'2013	'
Document Fiscal Period Focus	'Q3	'
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	30-Sep-13	'

CONSOLIDATED_BALANCE_SHEETS_un

CONSOLIDATED BALANCE SHEETS (unaudited) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Assets:	'	'
Cash and due from banks	$42,546	$27,866
Federal funds sold	24	25
Cash and cash equivalents	42,570	27,891
Interest-bearing deposits in other financial institutions	3,282	3,653
Investment securities - available-for-sale, at fair value; amortized cost of $15,813 at September 30, 2013 and $11,944 at December 31, 2012	15,436	12,004
Investment securities - held-to-maturity, at amortized cost; fair value of $10,600 at September 30, 2013 and $12,765 at December 31, 2012	10,149	12,036
Federal Home Loan Bank stock, at cost	2,281	3,283
Federal Reserve Bank stock, at cost	1,373	1,373
Loans:	'	'
Held for sale, at lower of cost or fair value	64,187	68,694
Held for investment, net of allowance for loan losses of $11,654 at September 30, 2013 and $14,464 at December 31, 2012	375,258	380,507
Total loans	439,445	449,201
Other assets acquired through foreclosure, net	3,975	1,889
Premises and equipment, net	2,985	3,068
Other assets	13,985	17,703
Total assets	535,481	532,101
Deposits:	'	'
Non-interest-bearing demand	55,462	53,605
Interest-bearing demand	253,978	269,466
Savings	16,176	16,351
Certificates of deposit	105,475	94,798
Total deposits	431,091	434,220
Other borrowings	34,000	34,000
Convertible debentures	1,442	7,852
Other liabilities	4,300	2,980
Total liabilities	470,833	479,052
Stockholders' equity:	'	'
Preferred stock - no par value, 10,000,000 shares authorized, 15,600 shares issued and outstanding at September 30, 2013 and December 31, 2012	15,542	15,341
Common stock - no par value, 20,000,000 shares authorized, 7,865,558 shares issued and outstanding at September 30, 2013 and 5,994,510 at December 31, 2012	40,146	33,555
Retained earnings	9,182	4,118
Accumulated other comprehensive (loss) income, net	-222	35
Total stockholders' equity	64,648	53,049
Total liabilities and stockholders' equity	$535,481	$532,101

CONSOLIDATED_BALANCE_SHEETS_un1

CONSOLIDATED BALANCE SHEETS (unaudited) (Parenthetical) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Assets:	'	'
Investment securities available-for-sale, amortized cost	$15,813	$11,944
Investment securities held-to-maturity, fair value	10,600	12,765
Loans:	'	'
Loans held for investment, allowance for loan losses	$11,654	$14,464
Stockholders' equity:	'	'
Preferred stock, par value (in dollars per share)	$0	$0
Preferred stock, shares authorized (in shares)	10,000,000	10,000,000
Preferred stock, shares issued (in shares)	15,600	15,600
Preferred stock, shares outstanding (in shares)	15,600	15,600
Common stock, par value (in dollars per share)	$0	$0
Common stock, shares authorized (in shares)	20,000,000	20,000,000
Common stock, shares issued (in shares)	7,865,558	5,994,510
Common stock, shares outstanding (in shares)	7,865,558	5,994,510

CONSOLIDATED_INCOME_STATEMENTS

CONSOLIDATED INCOME STATEMENTS (unaudited) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Interest income:	'	'	'	'
Loans, including fees	$6,871	$7,324	$20,515	$23,236
Investment securities and other	187	188	532	631
Total interest income	7,058	7,512	21,047	23,867
Interest expense:	'	'	'	'
Deposits	719	970	2,238	3,287
Other borrowings and convertible debt	328	433	1,136	1,386
Total interest expense	1,047	1,403	3,374	4,673
Net interest income	6,011	6,109	17,673	19,194
Provision for (recovery of) credit losses	-1,563	1,293	-2,843	5,176
Net interest income after provision for credit losses	7,574	4,816	20,516	14,018
Non-interest income:	'	'	'	'
Other loan fees	229	302	844	847
Gains from loan sales, net	62	366	334	1,521
Document processing fees	114	109	369	283
Service Charges	75	98	245	327
Loan servicing, net	70	105	169	180
Other	134	77	292	300
Total non-interest income	684	1,057	2,253	3,458
Non-interest expense:	'	'	'	'
Salaries and employee benefits	3,114	2,899	9,999	8,526
Occupancy expense, net	452	451	1,365	1,365
Loan servicing and collection	511	366	1,111	1,257
Professional services	308	372	913	993
FDIC assessment	283	311	809	1,046
Advertising and marketing	94	59	374	218
Depreciation	78	78	226	231
Net loss on sales/write-downs of foreclosed real estate and repossessed assets	168	189	274	969
Data processing	128	127	403	407
Other	487	408	1,445	1,623
Total non-interest expense	5,623	5,260	16,919	16,635
Income before provision for income taxes	2,635	613	5,850	841
Income taxes	0	0	0	0
Net income	2,635	613	5,850	841
Dividends and accretion on preferred stock	262	253	786	785
Net income available to common shareholders	$2,373	$360	$5,064	$56
Earnings per share:	'	'	'	'
Basic (in dollars per share)	$0.30	$0.06	$0.75	$0.01
Diluted (in dollars per share)	$0.29	$0.06	$0.60	$0.01
Weighted average number of common shares outstanding:	'	'	'	'
Basic (in shares)	7,865	5,990	6,731	5,990
Diluted (in shares)	8,395	8,233	8,883	8,233
Dividends declared per common share (in dollars per share)	$0	$0	$0	$0

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (unaudited) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (unaudited) [Abstract]	'	'	'	'
Net income	$2,635	$613	$5,850	$841
Other comprehensive income, net:	'	'	'	'
Unrealized (loss) gain on securities available-for-sale (AFS), net (tax effect of $83, $(5), $180, $(2) for each respective period presented)	-119	7	-257	2
Realized gain on sale of securities AFS included in income, net (tax effect of $22)	0	0	0	-99
Net other comprehensive (loss) income	-119	7	-257	-97
Comprehensive income	$2,516	$620	$5,593	$744

CONSOLIDATED_STATEMENTS_OF_COM1

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (unaudited) (Parenthetical) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Other comprehensive income, net:	'	'	'	'
Tax effect, unrealized holding gain (loss) on securities-available-for-sale	$83	($5)	$180	($2)
Tax effect, realized gain on sale of securities AFS	$0	$0	$0	$22

CONSOLIDATED_STATEMENTS_OF_STO

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (unaudited) (USD $)	Preferred Stock [Member]	Common Stock [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Retained Earnings [Member]	Total
In Thousands, except Share data, unless otherwise specified	Preferred Stock [Member]	Common Stock [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Retained Earnings [Member]	Total
Beginning balance at Dec. 31, 2012	$15,341	$33,555	$35	$4,118	$53,049
Balance (in shares) at Dec. 31, 2012	16,000	5,995,000	'	'	5,994,510
Increase (Decrease) in Stockholders' Equity [Roll Forward]	'	'	'	'	'
Net income	'	'	'	5,850	5,850
Exercise of stock options	'	21	'	'	21
Exercise of stock options (in shares)	'	6,000	'	'	'
Conversion of debentures	'	6,527	'	'	6,527
Conversion of debentures (in shares)	'	1,865,000	'	'	'
Stock option expense	'	43	'	'	43
Dividends on preferred stock	'	'	'	-585	-585
Accretion on preferred stock	201	'	'	-201	0
Other comprehensive loss, net	'	'	-257	'	-257
Ending balance at Sep. 30, 2013	$15,542	$40,146	($222)	$9,182	$64,648
Balance (in shares) at Sep. 30, 2013	16,000	7,866,000	'	'	7,865,558

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Cash flows from operating activities:	'	'
Net income	$5,850	$841
Adjustments to reconcile net income to cash provided by operating activities:	'	'
Provision for loan losses	-2,843	5,176
Depreciation	226	231
Stock-based compensation	43	27
Deferred income taxes	0	354
Net amortization of discounts and premiums for investment securities	0	-21
(Gains)/Losses on:	'	'
Sales of securities, AFS	0	-121
Sale of repossessed assets, net	360	1,076
Sale of loans, net	-334	-1,521
Loans originated for sale and principal collections, net	4,841	-2,379
Changes in:	'	'
Other assets	4,121	-630
Other liabilities	852	1,071
Servicing rights, net	133	-121
Net cash provided by operating activities	13,249	3,983
Cash flows from investing activities:	'	'
Proceeds from held for investment loan sales	5,101	0
Proceeds from sale of available-for-sale securities	0	4,137
Principal pay downs and maturities of available-for-sale securities	4,181	7,446
Purchase of available-for-sale securities	-8,033	0
Proceeds from principal pay downs and maturities of securities held-to-maturity	1,870	2,493
Loan originations and principal collections, net	-2,762	65,185
Liquidation of restricted stock	1,002	596
Net increase (decrease) in interest bearing deposits in other financial institutions	371	-3,543
Purchase of premises and equipment, net	-143	-253
Proceeds from sale of other real estate owned and repossessed assets, net	2,951	8,181
Net cash provided by investing activities	4,538	84,242
Cash flows from financing activities:	'	'
Net decrease in deposits	-3,129	-51,296
Net decrease in borrowings	0	-27,000
Exercise of stock options	21	0
Cash dividends paid on preferred stock	0	-195
Net cash used in financing activities	-3,108	-78,491
Net increase in cash and cash equivalents	14,679	9,734
Cash and cash equivalents at beginning of year	27,891	22,572
Cash and cash equivalents at end of period	42,570	32,306
Cash paid during the period for:	'	'
Interest	3,399	4,631
Income taxes	462	712
Non-cash investing and financing activity:	'	'
Transfers to other assets acquired through foreclosure, net	5,753	6,317
Preferred stock dividends declared, not paid	585	388
Conversion of debentures	$6,410	$0

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Sep. 30, 2013
SUMMARY OF SIGNIFICANT OF ACCOUNTING POLICIES [Abstract]	'
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
	1	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

	Nature of operations

	Community West Bancshares (“CWBC”), incorporated under the laws of the state of California, is a bank holding company providing full service banking through its wholly-owned subsidiary Community West Bank, N.A. (“CWB” or the “Bank”). These entities are collectively referred to herein as the “Company”.

	Basis of presentation

	The accounting and reporting policies of the Company are in accordance with accounting principles generally accepted in the United States (“GAAP”) and conform to practices within the financial services industry. The accounts of the Company and its consolidated subsidiary are included in these Consolidated Financial Statements. All significant intercompany balances and transactions have been eliminated.

	Use of estimates

	The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant changes in the near term relate to the determination of the allowance for credit losses and fair value of other real estate owned. Although Management believes these estimates to be reasonably accurate, actual amounts may differ. In the opinion of Management, all adjustments considered necessary have been reflected in the financial statements during their preparation.

	Interim financial information

	The accompanying unaudited consolidated financial statements as of September 30, 2013 and 2012 have been prepared in a condensed format, and therefore do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. These statements have been prepared on a basis that is substantially consistent with the accounting principles applied to our audited consolidated financial statements included in our Annual Report on Form 10-K for the year ended December 31, 2012.

	The information furnished in these interim statements reflects all adjustments which are, in the opinion of management, necessary for a fair statement of the results for each respective period presented. Such adjustments are of a normal recurring nature. The results of operations in the interim statements are not necessarily indicative of the results that may be expected for any other quarter or for the full year. The interim financial information should be read in conjunction with the Company’s audited consolidated financial statements.

	Reclassifications

	Certain amounts in the consolidated financial statements as of December 31, 2012 and for the three and nine months ended September 30, 2012 have been reclassified to conform to the current presentation. The reclassifications have no effect on net income or stockholders’ equity as previously reported.

	Loans Held for Investment

	Loans are recognized at the principal amount outstanding, net of unearned income, loan participations and amounts charged off. Unearned income includes deferred loan origination fees reduced by loan origination costs. Unearned income on loans is amortized to interest income over the life of the related loan using the level yield method.

	Provision and Allowance for Loan Losses

	The Company maintains a detailed, systematic analysis and procedural discipline to determine the amount of the allowance for loan losses (“ALL”). The ALL is based on estimates and is intended to be appropriate to provide for probable losses inherent in the loan portfolio. This process involves deriving probable loss estimates that are based on migration analysis and historical loss rates, in addition to qualitative factors that are based on management’s judgment. The migration analysis and historical loss rate calculations are based on the annualized loss rates utilizing a twelve-quarter loss history. Migration analysis is utilized for the Commercial Real Estate (“CRE”), Commercial, Commercial Agriculture, Small Business Association (“SBA”), Home Equity Line of Credit (“HELOC”), Single Family Residential, and Consumer portfolios. The historical loss rate method is utilized primarily for the Manufactured Housing portfolio. The migration analysis takes into account the risk rating of loans that are charged off in each loan category. Loans that are considered Doubtful are typically charged off. The following is a description of the characteristics of loan ratings. Loan ratings are reviewed as part of our normal loan monitoring process, but, at a minimum, updated on an annual basis.

	Outstanding – This is the highest quality rating that is assigned to any loan in the portfolio. These loans are made to the highest quality borrowers with strong financial statements and unquestionable repayment sources. Collateral securing these types of credits are generally cash deposits in the bank or marketable securities held in custody.

	Good – Loans rated in this category are strong loans, underwritten well, that bear little risk of loss to the Company. Loans in this category are loans to quality borrowers with very good financial statements that present an identifiable strong primary source and good secondary source of repayment. Generally, these credits are well collateralized by good quality and liquid assets or low loan to value market real estate.

	Pass - Loans rated in this category are acceptable loans, appropriately underwritten, bearing an ordinary risk of loss to the Company. Loans in this category are loans to quality borrowers with financial statements presenting a good primary source as well as an adequate secondary source of repayment. In the case of individuals, borrowers with this rating are quality borrowers demonstrating a reasonable level of secure income, a net worth adequate to support the loan and presenting a good primary source as well as an adequate secondary source of repayment.

	Watch – Acceptable credit that requires a temporary increase in attention by management. This can be caused by declines in sales, margins, liquidity or working capital. Generally the primary weakness is lack of current financial statements and industry issues.

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

	Substandard - A Substandard loan is inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any. These loans have a well-defined weakness or weaknesses that jeopardize full collection of amounts due. They are characterized by the distinct possibility that the Company will sustain some loss if the borrower’s deficiencies are not corrected.

	Doubtful - A loan classified Doubtful has all the weaknesses inherent in one classified Substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The possibility of loss is extremely high, but because of certain important and reasonably specific pending factors, which may work to the advantage and strengthening of the loan, its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors include proposed merger, acquisition or liquidation procedures, capital injection, perfecting liens on additional collateral and refinancing plans.

	Loss - Loans classified Loss are considered uncollectible and of such little value that their continuance as bankable loans is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this loan even though partial recovery may be realized in the future. Losses are taken in the period in which they are considered uncollectible.

	The Company’s ALL is maintained at a level believed appropriate by management to absorb known and inherent probable losses on existing loans. The allowance is charged for losses when management believes that full recovery on the loan is unlikely. The following is the Company’s policy regarding charging off loans.

	Commercial, CRE and SBA Loans

	Charge-offs on these loan categories are taken as soon as all or a portion of any loan balance is deemed to be uncollectible. A loan is considered impaired when, based on current information, it is probable that the Company will be unable to collect the scheduled payments of principal and/or interest under the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and/or interest payments. Loans that experience insignificant payment delays or payment shortfalls generally are not classified as impaired Generally, loan balances are charged-down to the fair value of the collateral, if, based on a current assessment of the value, an apparent deficiency exists. In the event there is no perceived equity, the loan is charged-off in full. Unsecured loans which are delinquent over 90 days are also charged-off in full.

	Single Family Real Estate, HELOC’s and Manufactured Housing Loans

	Consumer loans and residential mortgages secured by one-to-four family residential properties, HELOC and manufactured housing loans in which principal or interest is due and unpaid for 90 days, are evaluated for possible charge-off. Loan balances are charged-off to the fair value of the property, less estimated selling costs, if, based on a current appraisal, an apparent deficiency exists. In the event there is no perceived equity, the loan is generally fully charged-off. Other consumer loans which are not secured and unpaid over 90-120 days are charged-off in full.

	Consumer Loans

	All consumer loans (excluding real estate mortgages, home equity loans and savings secured loans) are charged-off or charged-down to net recoverable value before becoming 120 days or five payments delinquent.

	The ALL calculation for the different loan portfolios is as follows:

	·	Commercial Real Estate, Commercial, Commercial Agriculture, SBA, HELOC, Single Family Residential, and Consumer – Migration analysis combined with risk rating is used to determine the required allowance for all non-impaired loans. In addition, the migration results are adjusted based upon qualitative factors that affect this specific portfolio category. Reserves on impaired loans are determined based upon the individual characteristics of the loan.

	·	Manufactured Housing – The allowance is calculated on the basis of loss history and risk rating, which is primarily a function of delinquency. In addition, the loss results are adjusted based upon qualitative factors that affect this specific portfolio.

The Company evaluates and individually assesses for impairment loans generally greater than $500,000, classified as substandard or doubtful in addition to loans either on nonaccrual, considered a troubled debt restructuring (“TDR”) or when other conditions exist which lead management to review for possible impairment. Measurement of impairment on impaired loans is determined on a loan-by-loan basis and in total establishes a specific reserve for impaired loans. The amount of impairment is determined by comparing the recorded investment in each loan with its value measured by one of three methods:

	·	The expected future cash flows are estimated and then discounted at the effective interest rate.
	·	The value of the underlying collateral net of selling costs. Selling costs are estimated based on industry standards, the Company’s actual experience or actual costs incurred as appropriate. When evaluating real estate collateral, the Company typically uses appraisals or valuations, no more than twelve months old at time of evaluation. When evaluating non-real estate collateral securing the loan, the Company will use audited financial statements or appraisals no more than twelve months old at time of evaluation. Additionally for both real estate and non-real estate collateral, the Company may use other sources to determine value as deemed appropriate.
	·	The loan’s observable market price.

Interest income is not recognized on impaired loans except for limited circumstances in which a loan, although impaired, continues to perform in accordance with the loan contract and the borrower provides financial information to support maintaining the loan on accrual.

The Company determines the appropriate ALL on a monthly basis. Any differences between estimated and actual observed losses from the prior month are reflected in the current period in determining the appropriate ALL determination and adjusted as deemed necessary. The review of the appropriateness of the allowance takes into consideration such factors as concentrations of credit, changes in the growth, size and composition of the loan portfolio, overall and individual portfolio quality, review of specific problem loans, collateral, guarantees and economic and environmental conditions that may affect the borrowers' ability to pay and/or the value of the underlying collateral. Additional factors considered include: geographic location of borrowers, changes in the Company’s product-specific credit policy and lending staff experience. These estimates depend on the outcome of future events and, therefore, contain inherent uncertainties.

Another component of the ALL considers qualitative factors related to non-impaired loans. The qualitative portion of the allowance on each of the loan pools is based on the following factors:

	·	Concentrations of credit
	·	International risk
	·	Trends in volume, maturity, and composition
	·	Volume and trend in delinquency
	·	Economic conditions
	·	Outside exams
	·	Geographic distance
	·	Policy and changes
	·	Staff experience and ability

Foreclosed Real Estate and Repossessed Assets

Foreclosed real estate and other repossessed assets are recorded at fair value at the time of foreclosure less estimated costs to sell. Any excess of loan balance over the fair value less estimated costs to sell of the other assets is charged-off against the allowance for loan losses. Any excess of the fair value less estimated costs to sell over the loan balance is recorded as a loan loss recovery to the extent of the loan loss previously charged-off against the allowance for loan losses; and, if greater, recorded as a gain on foreclosed assets. Subsequent to the legal ownership date, management periodically performs a new valuation and the asset is carried at the lower of carrying amount or fair value less estimated costs to sell. Operating expenses or income, and gains or losses on disposition of such properties, are recorded in current operations.

Income Taxes

The Company uses the asset and liability method, which recognizes an asset or liability representing the tax effects of future deductible or taxable amounts that have been recognized in the consolidated financial statements. Due to tax regulations, certain items of income and expense are recognized in different periods for tax return purposes than for financial statement reporting. These items represent “temporary differences.” Deferred income taxes are recognized for the tax effect of temporary differences between the tax basis of assets and liabilities and their financial reporting amounts at each period end based on enacted tax laws and statutory tax rates applicable to the periods in which the differences are expected to affect taxable income. A valuation allowance is established for deferred tax assets if, based on weight of available evidence, it is more likely than not that some portion or all of the deferred tax assets may not be realized.

Management evaluates the Company’s deferred tax asset for recoverability using a consistent approach which considers the relative impact of negative and positive evidence, including the Company’s historical profitability and projections of future taxable income. The Company is required to establish a valuation allowance for deferred tax asset and record a charge to income if Management determines, based on available evidence at the time the determination is made, that it is more likely than not that some portion or all of the deferred tax asset may not be realized.

Net income represents positive evidence for the reduction of the deferred tax valuation allowance. The Company had net income of $5.9 million for the nine months ended September 30, 2013. The Company expects to be in a Federal tax expense position for 2013. A corresponding release of the valuation allowance equal to the current year tax expense of $1.4 million has been reflected at September 30, 2013.

The Company is subject to the provisions of ASC 740, Income Taxes (ASC 740). ASC 740 prescribes a more-likely-than-not threshold for the financial statement recognition of uncertain tax positions. ASC 740 clarifies the accounting for income taxes by prescribing a minimum recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. On a quarterly basis, the Company evaluates income tax accruals in accordance with ASC 740 guidance on uncertain tax positions.

Earnings Per Share

Basic earnings per common share is computed using the weighted average number of common shares outstanding for the period divided into the net income (loss) available to common shareholders. Diluted earnings per share include the effect of all dilutive potential common shares for the period. Potentially dilutive common shares include stock options, warrants and shares that could result from the conversion of debenture bonds.

Recent Accounting Pronouncements

In February 2013, the FASB issued guidance within ASU 2013-02 “Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income.” The amendments in ASU 2013-02 to Topic 220, Comprehensive Income, update, supersede and replace the presentation requirements for reclassifications out of accumulated other comprehensive income in ASUs 2011-05 and 2011-12. The amendments require an entity to provide additional information about reclassifications out of accumulated other comprehensive income. The amendments are effective prospectively for reporting periods beginning after December 15, 2012. The adoption of ASU No. 2013-02 resulted in presentation changes to the Company’s consolidated income statements. The adoption of ASU No. 2013-02 had no impact on the Company’s balance sheets.

In July 2013, the FASB issued guidance within ASU 2013-11, “Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists.” The amendments in ASU 2013-11 to Topic 740, Income Taxes, updates the presentation of an unrecognized tax benefit in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward. However, to the extent a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available at the reporting date under the tax law of the applicable jurisdiction to settle any additional income taxes that would result from the disallowance of a tax position or the tax law of the applicable jurisdiction does not require the entity to use, and entity does not intend to use, the deferred tax asset for such purpose, the unrecognized tax benefit should be presented in the financial statements as a liability and should not be combined with deferred tax assets. ASU 2013-11 is effective for the Company on January 1, 2014 and is not to be applied prospectively, although early adoption and retrospective adoption are permitted. The adoption of this standard is not expected to have a material impact on the Company’s consolidated financial statements.

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	9 Months Ended
INVESTMENT SECURITIES	Sep. 30, 2013
INVESTMENT SECURITIES [Abstract]	'
INVESTMENT SECURITIES	'
	2	INVESTMENT SECURITIES

	The amortized cost and estimated fair value of investment securities are as follows:

			30-Sep-13
						Gross				Gross
			Amortized			Unrealized				Unrealized				Fair
			Cost			Gains				(Losses)				Value
	Securities available-for-sale		(in thousands)
	U.S. government agency notes		$	5,994		$	-			$	(318	)		$	5,676
	U.S. government agency mortgage backed securities ("MBS")			62			3				-				65
	U.S. government agency collateralized mortgage obligations ("CMO")			9,691			13				(76	)			9,628
	Equity securities: Farmer Mac class A stock			66			1				-				67
	Total		$	15,813		$	17			$	(394	)		$	15,436

	Securities held-to-maturity
	U.S. government agency MBS		$	10,149		$	469			$	(18	)		$	10,600
	Total		$	10,149		$	469			$	(18	)		$	10,600

			31-Dec-12
						Gross				Gross
			Amortized			Unrealized				Unrealized				Fair
			Cost			Gains				(Losses)				Value
	Securities available-for-sale		(in thousands)
	U.S. government agency notes		$	1,998		$	-			$	(10	)		$	1,988
	U.S. government agency MBS			163			8				-				171
	U.S. government agency CMO			9,783			62				-				9,845
	Total		$	11,944		$	70			$	(10	)		$	12,004

	Securities held-to-maturity
	U.S. government agency MBS		$	12,036		$	729			$	-			$	12,765
	Total		$	12,036		$	729			$	-			$	12,765

	At September 30, 2013 and December 31, 2012, $25.6 million and $24.0 million of securities at carrying value, respectively, were pledged to the Federal Home Loan Bank San Francisco, as collateral for current and future advances.

	The Company had no security sales in 2013. For the nine months ended September 30, 2012, the Company sold $4.1 million of securities for a net gain on sale of $0.1 million.

	In January 2013, CWB became an approved Federal Agricultural Mortgage Corporation (“Farmer Mac”) lender under the Farmer Mac I and Farmer Mac II Programs. Under the Farmer Mac I program loans are sourced by CWB, underwritten, funded and serviced by Farmer Mac. CWB receives an origination fee and ongoing fee for serving the credit. The Farmer Mac II program was authorized by Congress in 1991 to establish a uniform national secondary market for originators and investors using the United States Department of Agriculture (“USDA”) guaranteed loan programs. Under this program, CWB can sell the guaranteed portions of USDA loans directly to Farmer Mac’s subsidiary, Farmer Mac II LLC, services the loans, and retains the unguaranteed portions of those loans in accordance with the terms of the existing USDA guaranteed loan programs. Eligible loans include Farm Service Agency (“FSA”) and Business and Industrial loans. To participate in the program, CWB was required to purchase 2,000 shares of Farmer Mac Class A Stock (“AGM”) which was classified as available-for-sale.


	The maturity periods and weighted average yields of investment securities at September 30, 2013 are as follows:

			Less than One Year							One to Five Years								Five to Ten Years						Over Ten Years					Total
			Amount			Yield				Amount				Yield				Amount			Yield			Amount		Yield			Amount		Yield
	Securities available-for-sale		(dollars in thousands)
	U.S. government agency notes		$	5,676			1.2	%		$	-				-			$	-			-		$	-		-		$	5,676		1.2	%
	U.S. government agency MBS			-			-				-				-				65			2.2	%		-		-			65		2.2	%
	U.S. government agency CMO			-			-				2,427				0.7	%			4,355			0.5	%		2,846		0.8	%		9,628		0.7	%
	Farmer Mac class A stock			-			-				-				-				-			-			-		-			67		-
	Total		$	5,676			1.2	%		$	2,427				0.7	%		$	4,420			0.6	%	$	2,846		0.8	%	$	15,436		0.9	%

	Securities held-to-maturity
	U.S. government agency MBS		$	-			-			$	2,366				4.7	%		$	7,783			2.7	%	$	-		-		$	10,149		3.2	%
	Total		$	-			-			$	2,366				4.7	%		$	7,783			2.7	%	$	-		-		$	10,149		3.2	%

	The amortized cost and fair value of securities as of September 30, 2013 and December 31, 2012, by contractual maturities, are shown below:

			30-Sep-13							31-Dec-12
			Amortized			Estimated				Amortized				Estimated
			Cost			Fair Value				Cost				Fair Value
	Securities available for sale		(in thousands)
	Due in one year or less		$	5,994		$	5,676			$	4,923			$	4,913
	After one year through five years			2,418			2,427				6,858				6,920
After five years through ten years			4,425			4,420				163				171
After ten years			2,910			2,846				-				-
Farmer Mac class A stock			66			67				-				-
		$	15,813		$	15,436			$	11,944			$	12,004
Securities held to maturity
Due in one year or less		$	-		$	-			$	-			$	-
After one year through five years			2,366			2,521				4,051				4,314
After five years through ten years			7,783			8,079				7,985				8,451
After ten years			-			-				-				-
		$	10,149		$	10,600			$	12,036			$	12,765

The following tables show all securities that are in an unrealized loss position:

		30-Sep-13
		Less Than Twelve Months							More Than Twelve Months								Total
		Gross							Gross								Gross
		Unrealized			Fair				Unrealized				Fair				Unrealized			Fair
		Losses			Value				Losses				Value				Losses			Value
Securities available-for-sale		(in thousands)
U.S. government agency notes		$	318		$	5,676			$	-			$	-			$	318		$	5,676
U.S. government agency CMO			76			5,427			$	-			$	-				76			5,427
		$	394		$	11,103			$	-			$	-			$	394		$	11,103
Securities held-to-maturity
U.S. Government-agency MBS		$	18		$	1,080			$	-			$	-			$	18		$	1,080
Total		$	18		$	1,080			$	-			$	-			$	18		$	1,080


		31-Dec-12
		Less Than Twelve Months							More Than Twelve Months								Total
		Gross							Gross								Gross
		Unrealized			Fair				Unrealized				Fair				Unrealized			Fair
		Losses			Value				Losses				Value				Losses			Value
Securities available-for-sale		(in thousands)
U.S. government agency notes		$	10		$	1,988			$	-			$	-			$	10		$	1,988
U.S. government agency CMO			1			876				1				411				2			1,287
Total		$	11		$	2,864			$	1			$	411			$	12		$	3,275

As of September 30, 2013 and December 31, 2012, there were eight and four securities, respectively, in an unrealized loss position.

Declines in the fair value of held-to-maturity and available-for-sale securities below their cost that are deemed to be other than temporary are reflected in earnings as realized losses. In estimating other-than-temporary impairment losses, management considers, among other things (i) the length of time and the extent to which the fair value has been less than cost (ii) the financial condition and near-term prospects of the issuer and (iii) the Company’s intent to sell an impaired security and if it is not more likely than not it will be required to sell the security before the recovery of its amortized basis.

The unrealized losses are primarily due to increases in market interest rates over the yields available at the time the underlying securities were purchased. The fair value is expected to recover as the bonds approach their maturity date, repricing date or if market yields for such investments decline. Management does not believe any of the securities are impaired due to reasons of credit quality. Accordingly, as of September 30, 2013 and December 31, 2012, management believes the impairments detailed in the table above are temporary and no other-than-temporary impairment loss has been realized in the Company’s consolidated income statements.

LOAN_SALES_AND_SERVICING

LOAN SALES AND SERVICING	9 Months Ended
LOAN SALES AND SERVICING	Sep. 30, 2013
LOAN SALES AND SERVICING [Abstract]	'
LOAN SALES AND SERVICING	'
	3	LOAN SALES AND SERVICING

	SBA Loan Sales - The Company periodically sells the guaranteed portion of selected SBA loans into the secondary market, on a servicing-retained basis. The Company retains the unguaranteed portion of these loans and services the loans as required under the SBA programs to retain specified yield amounts.

	On certain SBA loan sales that occurred prior to 2003, the Company retained interest only strips (“I/O strips”), which represent the present value of excess net cash flows generated by the difference between (a) interest at the stated rate paid by borrowers and (b) the sum of (i) pass-through interest paid to third-party investors and (ii) contractual servicing fees. The fair value is determined on a quarterly basis through a discounted cash flow analysis prepared by an independent third party using industry prepayment speeds.

	Historically, the Company has elected to use the amortizing method for the treatment of servicing assets and has measured for impairment on a quarterly basis through a discounted cash flow analysis prepared by an independent third party using industry prepayment speeds. In connection with the sale of SBA loans during the first quarter of 2012, the Company recorded a servicing asset and has elected to measure this asset at fair value in accordance with ASC 825-10 – Fair Value Option to better reflect the impact of subsequent changes in interest rates. The SBA program stipulates that the Company retains a minimum of 5% of the loan balance, which is unguaranteed. The percentage of each unguaranteed loan in excess of 5% may be periodically sold to a third party, typically for a cash premium. The Company records servicing liabilities for the sold unguaranteed loans. These servicing liabilities are calculated based on the present value of the estimated future servicing costs associated with each loan. As of September 30, 2013 and December 31, 2012, the servicing liability was $32,000 and $39,000, respectively.

	The Company may also periodically sell certain SBA loans into the secondary market, on a servicing-released basis, typically for a cash premium. As of September 30, 2013 and December 31, 2012, the Company had approximately $48.9 million and $55.7 million, respectively, in SBA loans included in loans held for sale. As of September 30, 2013 and December 31, 2012, the principal balance of loans serviced was $29.4 million and $32.7 million, respectively.

	The Company has expanded its agricultural lending program to include agricultural land, agricultural operational lines, and agricultural term loans for crops, equipment and livestock. The primary products are supported by guarantees issued from the USDA, FSA, and the USDA Business and Industry loan program. In the third quarter of 2012, the Company sold $2.5 million in USDA loans and recorded the related servicing asset at fair value.

	As of September 30, 2013 and December 31, 2012, the Company had $14.2 million and $4.8 million of USDA loans included in loans held for sale, respectively. As of September 30, 2013 and December 31, 2012, the principal balance of USDA loans serviced was $2.5 million.

	The following table presents the I/O strips activity as of the periods presented:

			Three Months Ended								Nine Months Ended
			September 30,								September 30,
			2013				2012				2013				2012
		(in thousands)
	Beginning balance		$	394			$	456			$	426			$	419
	Adjustment to fair value			(18	)			(5	)			(50	)			32
	Ending balance		$	376			$	451			$	376			$	451

	The key data assumptions used in estimating the fair value of the I/O strips as of the periods presented were as follows:

			September 30,
			2013				2012

	Weighted-average constant prepayment rate			5.17	%			5.66	%
	Weighted-average life (in years)			6				6
	Weighted-average discount rate			12.74	%			12.94	%

	A sensitivity analysis of the fair value of the I/O strips to changes in certain key assumptions is presented in the following table:

			September 30,
			2013				2012
			( in thousands)
	Discount Rate
	Increase in fair value from 100 basis points ("bps") decrease		$	11			$	13
	Decrease in fair value from 100 bps increase			(10	)			(13	)
	Constant Prepayment Rate
	Increase in fair value from 10 percent decrease			5				7
	Decrease in fair value from 10 percent increase			(5	)			(7	)

	The following is a summary of the activity for servicing rights accounted for under the amortization method:

			Three Months Ended								Nine Months Ended
			September 30,								September 30,
			2013				2012				2013				2012
		(in thousands)
	Beginning balance		$	326			$	441			$	383			$	625
	Amortization			(28	)			(29	)			(85	)			(213	)
	Ending balance		$	298			$	412			$	298			$	412

	The following is a summary of the activity for servicing rights accounted for under the fair value method:

			Three Months Ended								Nine Months Ended
			September 30,								September 30,
			2013				2012				2013				2012
		(in thousands)
	Beginning balance		$	304			$	253			$	348			$	-
	Additions through loan sales			-				72				-				349
Adjustment to fair value			(4	)			8				(48	)			(16	)
Ending balance		$	300			$	333			$	300			$	333


The key data and assumptions used in estimating the fair value of servicing rights as of the periods presented were as follows:

		September 30,
		2013				2012

Weighted-average constant prepayment rate			4.62	%			5.19	%
Weighted-average life (in years)			9				9
Weighted-average discount rate			13.48	%			13.93	%

A sensitivity analysis of the fair value of servicing rights to change in certain key assumptions is presented in the following table:

		September 30,
		2013				2012
		( in thousands)
Discount Rate
Increase in fair value from 100 basis points ("bps") decrease		$	12			$	13
Decrease in fair value from 100 bps increase			(11	)			(13	)
Constant Prepayment Rate
Increase in fair value from 10 percent decrease			6				7
Decrease in fair value from 10 percent increase			(5	)			(7	)

This sensitivity analysis generally cannot be extrapolated because the relationship of a change in one key assumption to the change in the fair value of the Company’s servicing rights usually is not linear. In addition, the effect of changing one key assumption without changing other assumptions is not a viable option.

Mortgage Loan Sales – From time to time, the Company enters into mortgage loan rate lock commitments (normally for 30 days) with potential borrowers. In conjunction therewith, the Company enters into a forward sale commitment to sell the locked loan to a third party investor. This forward sale agreement requires delivery of the loan on a “best efforts” basis but does not obligate the Company to deliver if the mortgage loan does not fund.

The mortgage rate lock agreement and the forward sale agreement qualify as derivatives. The value of these derivatives is generally equal to the fee, if any, charged to the borrower at inception but may fluctuate in the event of changes in interest rates. These derivative financial instruments are recorded at fair value if material. Although the Company does not attempt to qualify these transactions for the special hedge accounting, management believes that changes in the fair value of the two commitments generally offset and create an economic hedge. At September 30, 2013 and December 31, 2012, the Company had $1.2 million and $15.8 million, respectively, in outstanding mortgage loan interest rate lock and forward sale commitments. The value of related derivative instruments was not material to the Company’s financial position or results of operations.

LOANS_HELD_FOR_INVESTMENT

LOANS HELD FOR INVESTMENT	9 Months Ended
LOANS HELD FOR INVESTMENT	Sep. 30, 2013
LOANS HELD FOR INVESTMENT [Abstract]	'
LOANS HELD FOR INVESTMENT	'
	4	LOANS HELD FOR INVESTMENT

	The composition of the Company’s loans held for investment loan portfolio follows:

			September 30,				December 31,
			2013				2012
			(in thousands)
	Manufactured housing		$	172,126			$	177,391
	Commercial real estate			132,034				126,677
	Commercial			31,453				32,496
	SBA			25,753				30,688
	HELOC			15,616				17,852
	Single family real estate			10,007				9,939
	Consumer			186				232
				387,175				395,275
	Allowance for loan losses			11,654				14,464
	Deferred costs, net			(92	)			(128	)
	Discount on SBA loans			355				432
	Total loans held for investment, net		$	375,258			$	380,507

	The following table presents the contractual aging of the recorded investment in past due held for investment loans by class of loans:

			30-Sep-13
																							Recorded
																							Investment
							30-59 Days				60-89 Days			Over 90 Days			Total						Over 90 Days
			Current				Past Due				Past Due			Past Due			Past Due			Total			and Accruing
			(in thousands)
	Manufactured housing		$	171,923			$	144			$	59		$	-		$	203		$	172,126		$	-
	Commercial real estate:
	Commercial real estate			84,191				-				-			-			-			84,191			-
	SBA 504 1st trust deed			33,315				-				-			490			490			33,805			-
	Land			1,972				-				-			-			-			1,972			-
	Construction			12,066				-				-			-			-			12,066			-
	Commercial			27,952				-				3,501			-			3,501			31,453			-
	SBA (1)			24,953				98				-			702			800			25,753			-
	HELOC			15,616				-				-			-			-			15,616			-
	Single family real estate			9,739				-				-			268			268			10,007			-
	Consumer			186				-				-			-			-			186			-
	Total		$	381,913			$	242			$	3,560		$	1,460		$	5,262		$	387,175		$	-

		-1	$0.7 million of the $0.8 million SBA loans past due are guaranteed by the SBA.

			31-Dec-12
																							Recorded
																							Investment
							30-59 Days				60-89 Days			Over 90 Days			Total						Over 90 Days
			Current				Past Due				Past Due			Past Due			Past Due			Total			and Accruing
			(in thousands)
	Manufactured housing		$	176,249			$	467			$	258		$	417		$	1,142		$	177,391		$	-
	Commercial real estate:
	Commercial real estate			81,682				-				-			830			830			82,512			-
	SBA 504 1st trust deed			34,502				-				-			-			-			34,502			-
	Land			4,556				-				-			-			-			4,556			-
	Construction			5,107				-				-			-			-			5,107			-
	Commercial			32,324				40				-			132			172			32,496			-
	SBA (1)			23,906				713				-			6,069			6,782			30,688			-
	HELOC			17,852				-				-			-			-			17,852			-
	Single family real estate			9,895				32				-			12			44			9,939			12
	Consumer			232				-				-			-			-			232			-
	Total		$	386,305			$	1,252			$	258		$	7,460		$	8,970		$	395,275		$	12

		-1	$5.6 million of the $6.8 million SBA loans past due are guaranteed by the SBA.

Allowance for Credit Losses

The following table summarizes the changes in the allowance for loan losses:

		Three Months Ended								Nine Months Ended
		September 30,								September 30,
		2013				2012				2013			2012
	(in thousands)
Beginning balance		$	12,456			$	15,446			$	14,464		$	15,270
Charge-offs			(692	)			(1,946	)			(1,959	)		(6,403	)
Recoveries			1,453				262				1,992			1,012
Net charge-offs			761				(1,684	)			33			(5,391	)
Provision			(1,563	)			1,293				(2,843	)		5,176
Ending balance		$	11,654			$	15,055			$	11,654		$	15,055

As of September 30, 2013 and December 31, 2012, the Company had reserves for credit losses on undisbursed loans of $0.1 million which were included in Other liabilities.

The following tables summarize the changes in the allowance for loan losses by portfolio type:

		For the Three Months Ended September 30,
		Manufactured				Commercial													Single Family
		Housing				Real Estate				Commercial			SBA			HELOC			Real Estate			Consumer			Total
2013		(in thousands)
Beginning balance		$	5,691			$	2,654			$	1,529		$	2,073		$	311		$	197		$	1		$	12,456
Charge-offs			(379	)			(157	)			(32	)		(76	)		-			(48	)		-			(692	)
Recoveries			119				1,135				45			149			1			4			-			1,453
Net charge-offs			(260	)			978				13			73			1			(44	)		-			761
Provision			(80	)			(1,266	)			(365	)		132			(32	)		48			-			(1,563	)
Ending balance		$	5,351			$	2,366			$	1,177		$	2,278		$	280		$	201		$	1		$	11,654

2012
Beginning balance		$	5,187			$	3,175			$	3,064		$	3,148		$	671		$	199		$	2		$	15,446
Charge-offs			(1,212	)			(396	)			-			(241	)		(74	)		(23	)		-			(1,946	)
Recoveries			3				31				81			140			-			2			5			262
Net charge-offs			(1,209	)			(365	)			81			(101	)		(74	)		(21	)		5			(1,684	)
Provision			2,022				151				(521	)		(238	)		(111	)		(5	)		(5	)		1,293
Ending balance		$	6,000			$	2,961			$	2,624		$	2,809		$	486		$	173		$	2		$	15,055

		For the Nine Months Ended September 30,
		Manufactured				Commercial													Single Family
		Housing				Real Estate				Commercial			SBA			HELOC			Real Estate			Consumer			Total
2013		(in thousands)
Beginning balance		$	5,945			$	2,627			$	2,325		$	2,733		$	634		$	198		$	2		$	14,464
Charge-offs			(1,088	)			(161	)			(149	)		(355	)		(39	)		(136	)		(31	)		(1,959	)
Recoveries			248				1,185				154			396			2			7			-			1,992
Net charge-offs			(840	)			1,024				5			41			(37	)		(129	)		(31	)		33
Provision			246				(1,285	)			(1,153	)		(496	)		(317	)		132			30			(2,843	)
Ending balance		$	5,351			$	2,366			$	1,177		$	2,278		$	280		$	201		$	1		$	11,654

2012
Beginning balance		$	4,629			$	3,528			$	2,734		$	3,877		$	349		$	150		$	3		$	15,270
Charge-offs			(3,115	)			(1,687	)			(656	)		(600	)		(76	)		(261	)		(8	)		(6,403	)
Recoveries			52				32				118			750			50			5			5			1,012
Net charge-offs			(3,063	)			(1,655	)			(538	)		150			(26	)		(256	)		(3	)		(5,391	)
Provision			4,434				1,088				428			(1,218	)		163			279			2			5,176
Ending balance		$	6,000			$	2,961			$	2,624		$	2,809		$	486		$	173		$	2		$	15,055


The following tables present impairment method information related to loans and allowance for loan losses by loan portfolio segment:

		Manufactured				Commercial													Single Family						Total
		Housing				Real Estate				Commercial			SBA			HELOC			Real Estate			Consumer			Loans
Loans Held for Investment as of September 30, 2013:		(in thousands)
Recorded Investment:
Impaired loans with an allowance recorded		$	5,726			$	1,480			$	471		$	1,471		$	224		$	77		$	-		$	9,449
Impaired loans with no allowance recorded			3,023				1,970				3,548			100			298			693			-			9,632
Total loans individually evaluated for impairment			8,749				3,450				4,019			1,571			522			770			-			19,081
Loans collectively evaluated for impairment			163,377				128,584				27,434			24,182			15,094			9,237			186			368,094
Total loans held for investment		$	172,126			$	132,034			$	31,453		$	25,753		$	15,616		$	10,007		$	186		$	387,175
Unpaid Principal Balance
Impaired loans with an allowance recorded		$	6,121			$	1,497			$	813		$	6,477		$	231		$	77		$	-		$	15,216
Impaired loans with no allowance recorded			4,900				3,974				3,558			1,878			300			786			-			15,396
Total loans individually evaluated for impairment			11,021				5,471				4,371			8,355			531			863			-			30,612
Loans collectively evaluated for impairment			163,377				128,584				27,434			24,182			15,094			9,237			186			368,094
Total loans held for investment		$	174,398			$	134,055			$	31,805		$	32,537		$	15,625		$	10,100		$	186		$	398,706
Related Allowance for Credit Losses
Impaired loans with an allowance recorded		$	777			$	133			$	68		$	190		$	24		$	10		$	-		$	1,202
Impaired loans with no allowance recorded			-				-				-			-			-			-			-			-
Total loans individually evaluated for impairment			777				133				68			190			24			10			-			1,202
Loans collectively evaluated for impairment			4,574				2,233				1,109			2,088			256			191			1			10,452
Total loans held for investment		$	5,351			$	2,366			$	1,177		$	2,278		$	280		$	201		$	1		$	11,654

		Manufactured				Commercial													Single Family						Total
		Housing				Real Estate				Commercial			SBA			HELOC			Real Estate			Consumer			Loans
Loans Held for Investment as of December 31, 2012:		(in thousands)
Recorded Investment:
Impaired loans with an allowance recorded		$	5,748			$	519			$	5,044		$	503		$	269		$	80		$	-		$	12,163
Impaired loans with no allowance recorded			4,687				11,389				49			1,238			-			121			-			17,484
Total loans individually evaluated for impairment			10,435				11,908				5,093			1,741			269			201			-			29,647
Loans collectively evaluated for impairment			166,956				114,769				27,403			28,947			17,583			9,738			232			365,628
Total loans held for investment		$	177,391			$	126,677			$	32,496		$	30,688		$	17,852		$	9,939		$	232		$	395,275
Unpaid Principal Balance
Impaired loans with an allowance recorded		$	5,922			$	570			$	5,430		$	2,536		$	271		$	80		$	-		$	14,809
Impaired loans with no allowance recorded			6,828				17,624				50			6,736			-			197			-			31,435
Total loans individually evaluated for impairment			12,750				18,194				5,480			9,272			271			277			-			46,244
Loans collectively evaluated for impairment			166,956				114,769				27,403			28,947			17,583			9,738			232			365,628
Total loans held for investment		$	179,706			$	132,963			$	32,883		$	38,219		$	17,854		$	10,015		$	232		$	411,872
Related Allowance for Credit Losses
Impaired loans with an allowance recorded		$	1,103			$	4			$	569		$	58		$	49		$	11		$	-		$	1,794
Impaired loans with no allowance recorded			-				-				-			-			-			-			-			-
Total loans individually evaluated for impairment			1,103				4				569			58			49			11			-			1,794
Loans collectively evaluated for impairment			4,842				2,623				1,756			2,675			585			187			2			12,670
Total loans held for investment		$	5,945			$	2,627			$	2,325		$	2,733		$	634		$	198		$	2		$	14,464

A valuation allowance is established for an impaired loan when the fair value of the loan is less than the recorded investment. In certain cases, portions of impaired loans are charged-off to realizable value instead of establishing a valuation allowance and are included, when applicable in the table above as “Impaired loans without specific valuation allowance under ASC 310.” The valuation allowance disclosed above is included in the allowance for credit losses reported in the consolidated balance sheets as of September 30, 2013 and December 31, 2012.

The following tables summarize impaired loans by class of loans:

		September 30,				December 31,
		2013				2012
		(in thousands)
Manufactured housing		$	8,749			$	10,435
Commercial real estate :
Commercial real estate			2,681				10,615
SBA 504 1st trust deed			769				1,293
Land			-				-
Construction			-				-
Commercial			4,019				5,093
SBA			1,571				1,741
HELOC			522				269
Single family real estate			770				201
Consumer			-				-
Total		$	19,081			$	29,647

The following tables summarize average investment in impaired loans by class of loans and the related interest income recognized as of and for the periods ended:

		Three Months Ended
		September 30,
		2013								2012
		Average Investment				Interest				Average Investment			Interest
		in Impaired Loans				Income				in Impaired Loans			Income
		(in thousands)
Manufactured housing		$	9,454			$	85			$	11,050		$	110
Commercial real estate:
Commercial real estate			7,811				10				16,399			99
SBA 504 1st			1,089				4				2,042			16
Land			-				-				-			-
Construction			-				-				3,189			-
Commercial			2,789				142				5,442			70
SBA			1,790				34				1,696			69
HELOC			397				3				383			7
Single family real estate			747				1				251			3
Consumer			-				-				2			-
Total		$	24,077			$	279			$	40,454		$	374



		Nine Months Ended
		September 30,
		2013								2012
		Average Investment				Interest				Average Investment			Interest
		in Impaired Loans				Income				in Impaired Loans			Income
		(in thousands)
Manufactured housing		$	9,528			$	182			$	7,782		$	214
Commercial real estate:
Commercial real estate			8,875				94				19,071			315
SBA 504 1st			1,163				28				4,496			116
Land			-				-				-			-
Construction			-				-				5,937			108
Commercial			3,831				208				5,591			235
SBA			1,432				136				1,796			130
HELOC			313				3				248			7
Single family real estate			452				10				350			10
Consumer			-				-				7			-
Total		$	25,594			$	661			$	45,278		$	1,135

The following table reflects the recorded investment in certain types of loans at the periods indicated:

		September 30,				December 31,
		2013				2012
		(in thousands)
Nonaccrual loans		$	21,055			$	29,643
SBA guaranteed portion of loans included above			(5,778	)			(7,218	)
Total nonaccrual loans, net		$	15,277			$	22,425

Troubled debt restructured loans, gross		$	12,288			$	19,931
Loans 30 through 89 days past due with interest accruing		$	74			$	521
Allowance for loan losses to gross loans held for investment			3.01	%			3.66	%

The guaranteed portion of each SBA loan is repurchased from investors when those loans become past due 120 days by either CWB or the SBA directly. After the foreclosure and collection process is complete, the principal balance of loans repurchased by CWB are reimbursed by the SBA. Although these balances do not earn interest during this period, they generally do not result in a loss of principal to CWB; therefore a repurchase reserve has not been established related to these loans.

The accrual of interest is discontinued when substantial doubt exists as to collectability of the loan; generally at the time the loan is 90 days delinquent. Any unpaid but accrued interest is reversed at that time. Thereafter, interest income is no longer recognized on the loan. Interest income may be recognized on impaired loans to the extent they are not past due by 90 days. Interest on nonaccrual loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all of the principal and interest amounts contractually due are brought current and future payments are reasonably assured.

The following table presents the composition of nonaccrual loans, net of SBA guarantee, by class of loans:

		September 30,				December 31,
		2013				2012
		(in thousands)
Manufactured housing		$	5,327			$	7,542
Commercial real estate:
Commercial real estate			2,681				10,615
SBA 504 1st			490				490
Land			-				-
Construction			-				-
Commercial			4,019				1,945
SBA			1,545				1,442
HELOC			522				269
Single family real estate			693				121
Consumer			-				1
Total		$	15,277			$	22,425

The Company utilizes an internal asset classification system as a means of reporting problem and potential problem loans. Under the Company’s risk rating system, the Company classifies problem and potential problem loans as “Special Mention,” “Substandard,” “Doubtful” and “Loss”. Substandard loans are inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Loans classified as Doubtful, have all the weaknesses inherent in those classified Substandard with the added characteristic that the weaknesses present make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. The possibility of loss is extremely high, but because of certain important and reasonably specific pending factors, which may work to the advantage and strengthening of the loan, its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors include proposed merger, acquisition or liquidation procedures, capital injection, perfecting liens on additional collateral and refinancing plans. Loans classified Loss are considered uncollectible and of such little value that their continuance as bankable loans is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this loan even though partial recovery may be affected in the future. Losses are taken in the period in which they surface as uncollectible. Loans that do not currently expose the Company to sufficient risk to warrant classification in one of the aforementioned categories but possess weaknesses that deserve management’s close attention are deemed to be Special Mention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or in the institution's credit position at some future date. Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. Risk ratings are updated as part of our normal loan monitoring process, at a minimum, annually. The following tables present gross loans by risk rating:

		30-Sep-13
						Special
		Pass				Mention				Substandard			Doubtful			Total
		(in thousands)
Manufactured housing		$	159,086			$	-			$	13,040		$	-		$	172,126
Commercial real estate:
Commercial real estate			72,511				4,301				7,379			-			84,191
SBA 504 1st trust deed			32,205				253				1,347			-			33,805
Land			1,149				823				-			-			1,972
Construction			12,066				-				-			-			12,066
Commercial			25,583				672				5,169			29			31,453
SBA			15,193				59				2,343			14			17,609
HELOC			6,963				3,119				5,534			-			15,616
Single family real estate			9,064				-				943			-			10,007
Consumer			186				-				-			-			186
Total, net		$	334,006			$	9,227			$	35,755		$	43		$	379,031
SBA guarantee			-				-				7,324			820			8,144
Total		$	334,006			$	9,227			$	43,079		$	863		$	387,175

		31-Dec-12
						Special
		Pass				Mention				Substandard			Doubtful			Total
		(in thousands)
Manufactured housing		$	164,269			$	-			$	13,122		$	-		$	177,391
Commercial real estate:
Commercial real estate			63,793				6,478				12,241			-			82,512
SBA 504 1st trust deed			31,385				1,461				1,656			-			34,502
Land			3,333				300				923			-			4,556
Construction			5,107				-				-			-			5,107
Commercial			27,015				997				4,413			71			32,496
SBA			16,302				1,514				2,504			54			20,374
HELOC			9,432				245				8,175			-			17,852
Single family real estate			9,622				-				317			-			9,939
Consumer			231				-				1			-			232
Total, net		$	330,489			$	10,995			$	43,352		$	125		$	384,961
SBA guarantee			-				-				7,551			2,763			10,314
Total		$	330,489			$	10,995			$	50,903		$	2,888		$	395,275

A loan is considered a troubled debt restructure (“TDR”) when the bank grants a concession to a borrower for reasons related to the borrower’s financial difficulties it would not otherwise consider. These concessions include but are not limited to term extensions, rate reductions and principal reductions. Forgiveness of principal is rarely granted and modifications for all classes of loans are predominantly term extensions. TDR loans are also considered impaired. A loan is considered impaired when, based on current information; it is probable that the Company will be unable to collect the scheduled payments of principal and/or interest under the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and/or interest payments. Loans that experience insignificant payment delays or payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays or payment shortfalls on a case-by-case basis. When determining the possibility of impairment, management considers the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower's prior payment record and the amount of the shortfall in relation to the principal and interest owed. For collateral-dependent loans, the Company uses the fair value of collateral method to measure impairment. The collateral-dependent loans that recognize impairment are charged down to the fair value less costs to sell. All other loans are measured for impairment either based on the present value of future cash flows or the loan’s observable market price. Generally, a loan that is modified at an effective market rate of interest may no longer be disclosed as a troubled debt restructuring in years subsequent to the restructuring if it is not impaired based on the terms specified by the restructuring agreement.

The following tables summarize the financial effects of TDR loans by loan class for the periods presented:

		For the Three Months Ended September 30, 2013
						Effect on				Balance of			Average Rate			Balance of			Average
						Allowance for				Loans with			Reduction			Loans with			Extension
		Balance				Loan Losses				Rate Reduction			(basis points)			Term Extension			(in months)
		(dollars in thousands)
Manufactured housing		$	265			$	15			$	265			225		$	265			112
Commercial real estate			-				-				-			-			-			-
Construction			-				-				-			-			-			-
Commercial			3,501				221				-			-			3,501			31
SBA			-				-				-			-			-			-
HELOC			-				-				-			-			-			-
Single family real estate			147				12				146			100			147			12
Total		$	3,913			$	248			$	411			200		$	3,913			65

		For the Nine Months Ended September 30, 2013
						Effect on				Balance of			Average Rate			Balance of			Average
						Allowance for				Loans with			Reduction			Loans with			Extension
		Balance				Loan Losses				Rate Reduction			(basis points)			Term Extension			(in months)
		(dollars in thousands)
Manufactured housing		$	1,405			$	170			$	444			171		$	1,405			135
Commercial real estate			655				45				-			-			655			8
Construction			-				-				-			-			-			-
Commercial			4,011				256				-			-			4,011			41
SBA			87				16				-			-			87			4
HELOC			-				-				-			-			-			-
Single family real estate			147				12				147			100			147			12
Total		$	6,305			$	499			$	591			163		$	6,305			96

		For the Three Months Ended September 30, 2012
						Effect on				Balance of			Average Rate			Balance of			Average
						Allowance for				Loans with			Reduction			Loans with			Extension
		Balance				Loan Losses				Rate Reduction			(basis points)			Term Extension			(in months)
		(dollars in thousands)
Manufactured housing		$	1,474			$	341			$	-			-		$	1,474			171
Commercial real estate			-				-				-			-			-			-
Construction			-				-				-			-			-			-
Commercial			289				30				-			-			289			49
SBA			74				17				-			-			74			103
HELOC			-				-				-			-			-			-
Single family real estate			-				-				-			-			-			-
Total		$	1,837			$	388			$	-			-		$	1,837			161


		For the Nine Months Ended September 30, 2012
						Effect on				Balance of			Average Rate			Balance of			Average
						Allowance for				Loans with			Reduction			Loans with			Extension
		Balance				Loan Losses				Rate Reduction			(basis points)			Term Extension			(in months)
		(dollars in thousands)
Manufactured housing		$	5,715			$	888			$	294			325		$	5,715			159
Commercial real estate			3,590				292				-			-			3,590			56
Construction			3,147				315				3,146			300			3,147			15
Commercial			1,021				139				-			-			1,021			55
SBA			411				56				-			-			411			78
HELOC			-				-				-			-			-			-
Single family real estate			77				2				-			-			77			4
Total		$	13,961			$	1,692			$	3,440			320		$	13,961			144

The following tables present TDR's by class that occurred in the past twelve months for which there was a payment default during the period:

		Three Months Ended
		September 30,
		2013											2012
						Effect on										Effect on
						Allowance for				Number						Allowance for			Number
		Balance				Loan Losses				of Loans			Balance			Loan Losses			of Loans
		(dollars in thousands)
Manufactured housing		$	-			$	-				-		$	124		$	4			3
Total		$	-			$	-				-		$	124		$	4			3

		Nine Months Ended
		September 30,
		2013											2012
						Effect on										Effect on
						Allowance for				Number						Allowance for			Number
		Balance				Loan Losses				of Loans			Balance			Loan Losses			of Loans
		(dollars in thousands)
Manufactured housing		$	375			$	9				5		$	124		$	4			3
SBA 504 1st			-				-				-			173			-			1
SBA			-				-				-			68			-			1
Total		$	375			$	9				5		$	365		$	4			5

A TDR loan is deemed to have a payment default when the borrower fails to make two consecutive payments or the collateral is transferred to repossessed assets.

At September 30, 2013 there were no material loan commitments outstanding on TDR loans.

FAIR_VALUE_MEASUREMENT

FAIR VALUE MEASUREMENT	9 Months Ended
FAIR VALUE MEASUREMENT	Sep. 30, 2013
FAIR VALUE MEASUREMENT [Abstract]	'
FAIR VALUE MEASUREMENT	'
	5	FAIR VALUE MEASUREMENT

	The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities. FASB ASC 820, Fair Value Measurements and Disclosures (“ASC 820”) established a framework for measuring fair value using a three-level valuation hierarchy for disclosure of fair value measurement. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset as of the measurement date. ASC 820 establishes a hierarchy for inputs used in measuring fair value that maximizes the use of observable inputs and minimizes the use of unobservable inputs by requiring that observable inputs be used when available. Observable inputs are inputs that market participants would use in pricing the asset or liability developed based on market data obtained from sources independent of the Company. Unobservable inputs are inputs that reflect the Company’s assumptions about the factors market participants would consider in pricing the asset or liability developed based on the best information available in the circumstances. The hierarchy is broken down into three levels based on the reliability of inputs, as follows:

		·	Level 1— Observable quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities.
		·	Level 2— Observable quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, matrix pricing or model-based valuation techniques where all significant assumptions are observable, either directly or indirectly in the market.
		·	Level 3— Model-based techniques where all significant assumptions are not observable, either directly or indirectly, in the market. These unobservable assumptions reflect management’s estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques may include use of discounted cash flow models and similar techniques.

	The availability of observable inputs varies based on the nature of the specific financial instrument. To the extent that valuation is based on models or inputs that are less observable or unobservable in the market, the determination of fair value requires more judgment. Accordingly, the degree of judgment exercised by the Company in determining fair value is greatest for instruments categorized in Level 3. In certain cases, the inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, for disclosure purposes, the level in the fair value hierarchy within which the fair value measurement in its entirety falls is determined based on the lowest level input that is significant to the fair value measurement in its entirety.

	Fair value is a market-based measure considered from the perspective of a market participant who holds the asset or owes the liability rather than an entity-specific measure. When market assumptions are available, ASC 820 requires the Company to make assumptions regarding the assumptions that market participants would use to estimate the fair value of the financial instrument at the measurement date.

	FASB ASC 825, Financial Instruments (“ASC 825”) requires disclosure of fair value information about financial instruments, whether or not recognized in the balance sheet, for which it is practicable to estimate that value.

	Management uses its best judgment in estimating the fair value of the Company’s financial instruments; however, there are inherent limitations in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates presented herein are not necessarily indicative of the amounts the Company could have realized in a sales transaction at September 30, 2013 or December 31, 2012. The estimated fair value amounts for September 30, 2013 and December 31, 2012 have been measured as of period-end, and have not been reevaluated or updated for purposes of these consolidated financial statements subsequent to those dates. As such, the estimated fair values of these financial instruments subsequent to the reporting date may be different than the amounts reported at the period-end.

	This information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only required for a limited portion of the Company’s assets and liabilities.

	Due to the wide range of valuation techniques and the degree of subjectivity used in making the estimate, comparisons between the Company’s disclosures and those of other companies or banks may not be meaningful.

	The following tables summarize the fair value of assets measured on a recurring basis:

			Fair Value Measurements at the End of the Reporting Period Using:
			Quoted Prices
			in Active			Significant
			Markets for			Other			Significant
			Identical			Observable			Unobservable
			Assets			Inputs			Inputs			Fair
	30-Sep-13		(Level 1)			(Level 2)			(Level 3)			Value
	Assets:		(in thousands)
	Investment securities available-for-sale		$	67		$	15,369		$	-		$	15,436
	Interest only strips			-			-			376			376
	Servicing assets			-			-			300			300
			$	67		$	15,369		$	676		$	16,112


			Fair Value Measurements at the End of the Reporting Period Using:
			Quoted Prices
			in Active			Significant
			Markets for			Other			Significant
			Identical			Observable			Unobservable
			Assets			Inputs			Inputs			Fair
	31-Dec-12		(Level 1)			(Level 2)			(Level 3)			Value
	Assets:		(in thousands)
	Investment securities available-for-sale		$	-		$	12,004		$	-		$	12,004
	Interest only strips			-			-			426			426
	Servicing assets			-			-			348			348
			$	-		$	12,004		$	774		$	12,778

	Market valuations of our investment securities which are classified as level 2 are provided by an independent third party. The fair values are determined by using several sources for valuing fixed income securities. Their techniques include pricing models that vary based on the type of asset being valued and incorporate available trade, bid and other market information. In accordance with the fair value hierarchy, the market valuation sources include observable market inputs and are therefore considered Level 2 inputs for purposes of determining the fair values.

	On certain SBA loan sales that occurred prior to 2003, the Company retained interest only strips (“I/O strips”), which represent the present value of excess net cash flows generated by the difference between (a) interest at the stated rate paid by borrowers and (b) the sum of (i) pass-through interest paid to third-party investors and (ii) contractual servicing fees. I/O strips are classified as level 3 in the fair value hierarchy. The fair value is determined on a quarterly basis through a discounted cash flow analysis prepared by an independent third party using industry prepayment speeds. I/O strip valuation adjustments are recorded as additions or offsets to loan servicing income. For additional information see Note 3 “Loan Sales and Servicing” beginning on page 14.

	Historically, the Company has elected to use the amortizing method for the treatment of servicing assets and has measured for impairment on a quarterly basis through a discounted cash flow analysis prepared by an independent third party using industry prepayment speeds. In connection with the sale of SBA and USDA loans in 2012 the Company recorded servicing assets and elected to measure those assets at fair value in accordance with ASC 825-10. Significant assumptions in the valuation of servicing rights include estimated loan repayment rates, the discount rate, and servicing costs, among others. Servicing rights are classified as Level 3 measurements due to the use of significant unobservable inputs, as well as significant management judgment and estimation.

	The Company also has assets that under certain conditions are subject to measurement at fair value on a non-recurring basis. These assets include loans held for sale, foreclosed real estate and repossessed assets and loans that are considered impaired per generally accepted accounting principles.

	The following summarizes the fair value measurements of assets measured on a non-recurring basis:

			Fair Value Measurements at the End of the Reporting Period Using
						Quoted Prices
						in Active			Active
						Markets for			Markets for			Unobservable
					Identical Assets			Similar Assets			Inputs
		Total			(Level 1)			(Level 2)			(Level 3)
		(in thousands)
As of September 30, 2013:
Impaired loans		$	17,879		$	-		$	9,632		$	8,247
Loans held for sale			68,405			-			68,405			-
Foreclosed real estate and repossesed assets			3,975			-			3,975			-
		$	90,259		$	-		$	82,012		$	8,247

As of December 31, 2012:
Impaired loans		$	27,853		$	-		$	17,430		$	10,423
Loans held for sale			72,514			-			72,514			-
Foreclosed real estate and repossesed assets			1,889			-			1,889			-
		$	102,256		$	-		$	91,833		$	10,423

The Company records certain loans at fair value on a non-recurring basis. When a loan is considered impaired an allowance for a loan loss is established. The fair value measurement and disclosure requirement applies to loans measured for impairment using the practical expedients method permitted by accounting guidance for impaired loans. Impaired loans are measured at an observable market price, if available or at the fair value of the loan’s collateral, if the loan is collateral dependent. The fair value of the loan’s collateral is determined by appraisals or independent valuation. When the fair value of the loan’s collateral is based on an observable market price or current appraised value, given the current real estate markets, the appraisals may contain a wide range of values and accordingly, the Company classifies the fair value of the impaired loans as a non-recurring valuation within Level 2 of the valuation hierarchy. For loans in which impairment is determined based on the net present value of cash flows, the Company classifies these as a non-recurring valuation within Level 3 of the valuation hierarchy.

Loans held for sale are carried at the lower of cost or fair value. The fair value of loans held for sale is based on what secondary markets are currently offering for portfolios with similar characteristics or based on the agreed-upon sale price. As such, the Company classifies the fair value of loans held for sale as a non-recurring valuation within Level 2 of the fair value hierarchy. At September 30, 2013 and December 31, 2012, the Company had loans held for sale with an aggregate carrying value of $64.2 million and $68.7 million respectively.

Foreclosed real estate and repossessed assets are carried at the lower of book value or fair value less estimated costs to sell. Fair value is based upon independent market prices obtained from certified appraisers or the current listing price, if lower. When the fair value of the collateral is based on a current appraised value, the Company reports the fair value of the foreclosed collateral as non-recurring Level 2. When a current appraised value is not available or if management determines the fair value of the collateral is further impaired, the Company reports the foreclosed collateral as non-recurring Level 3.

FAIR VALUES OF FINANCIAL INSTRUMENTS

The estimated fair values of financial instruments have been determined by the Company using available market information and appropriate valuation methodologies. However, considerable judgment is required to interpret market data to develop estimates of fair value. Accordingly, the estimates presented herein are not necessarily indicative of the amounts the Company could realize in a current market exchange. The use of different market assumptions and/or estimation methodologies may have a material effect on the estimated fair value amounts.

The estimated fair value of the Company’s financial instruments is as follows:

		30-Sep-13
		Carrying			Fair Value
		Amount			Level 1			Level 2			Level 3			Total
Financial assets:		(in thousands)
Cash and cash equivalents		$	42,570		$	42,570		$	-		$	-		$	42,570
Interest-bearing deposits in other financial institutions			3,282			3,282			-			-			3,282
FRB and FHLB stock			3,654			-			3,654						3,654
Investment securities			25,585			67			25,969			-			26,036
Loans, net			439,445			-			442,166			8,247			450,413
Financial liabilities:
Deposits			325,616			-			325,616			-			325,616
Time deposits			105,475			-			105,764			-			105,764
Other borrowings			35,442			-			36,206			-			36,206

		31-Dec-12
		Carrying			Fair Value
		Amount			Level 1			Level 2			Level 3			Total
Financial assets:		(in thousands)
Cash and cash equivalents		$	27,891		$	27,891		$	-		$	-		$	27,891
Interest-bearing deposits in other financial institutions			3,653			3,653			-			-			3,653
FRB and FHLB stock			4,656			-			4,656						4,656
Investment securities			24,040			-			24,769			-			24,769
Loans, net			449,201			-			446,776			10,423			457,199
Financial liabilities:
Deposits			339,422			-			339,422			-			339,422
Time deposits			94,798			-			96,404			-			96,404
Other borrowings			41,852			-			43,238			-			43,238

The methods and assumptions used to estimate the fair value of each class of financial instruments for which it is practicable to estimate that value are explained below:

Cash and cash equivalents - The carrying amounts approximate fair value because of the short-term nature of these instruments.
Interest-bearing deposits in other financial institutions - The carrying amounts approximate fair value because of the relative short-term nature of these instruments.

Federal Reserve Stock - The carrying value approximates the fair value because the stock can be sold back to the Federal Reserve at any time at par.
Federal Home Loan Bank Stock – CWB is a member of the FHLB system and maintains an investment in capital stock of the FHLB. This investment is carried at cost since no ready market exists for it, and it has no quoted market value. The Company conducts a periodic review and evaluation of our FHLB stock to determine if any impairment exists. The fair values have been categorized as Level 2 in the fair value hierarchy.

Investment securities – Market valuations of our investment securities are provided by an independent third party. The fair values are determined by using several sources for valuing fixed income securities. Their techniques include pricing models that vary based on the type of asset being valued and incorporate available trade, bid and other market information. In accordance with the fair value hierarchy, the market valuation sources include observable market inputs and are therefore considered Level 2 inputs for purposes of determining the fair values.

Loans – For most loan categories, the fair value is estimated using discounted cash flows utilizing an appropriate discount rate and historical prepayment speeds. For certain adjustable loans that reprice on a frequent basis carrying value approximates fair value. As a result, the fair value for loans is categorized as Level 2 in the fair value hierarchy.

Deposits – The amount payable at demand at report date is used to estimate the fair value of demand and savings deposits. The estimated fair values of fixed-rate time deposits are determined by discounting the cash flows of segments of deposits that have similar maturities and rates, utilizing a discount rate that approximates the prevailing rates offered to depositors as of the measurement date. The fair value measurement of deposit liabilities is categorized as Level 2 in the fair value hierarchy.

Other borrowings – The fair value is estimated using a discounted cash flow analysis based on rates for similar types of borrowing arrangements. The carrying value of FRB advances approximates the fair value due to the short term nature of these borrowings. The fair value measurement of other borrowings is categorized as Level 2.

Commitments to Extend Credit, Commercial and Standby Letters of Credit – Due to the proximity of the pricing of these commitments to the period end, the fair values of commitments are immaterial to the financial statements.

Interest rate risk

The Company assumes interest rate risk (the risk to the Company’s earnings and capital from changes in interest rate levels) as a result of its normal operations. As a result, the fair values of the Company’s financial instruments as well as its future net interest income will change when interest rate levels change and that change may be either favorable or unfavorable to the Company.

BORROWINGS

BORROWINGS	9 Months Ended
	Sep. 30, 2013
BORROWINGS [Abstract]	'
BORROWINGS	'
	6	BORROWINGS

	Federal Home Loan Bank Advances – CWB has a blanket lien credit line with the Federal Home Loan Bank (“FHLB”). FHLB advances are collateralized in the aggregate by CWB’s eligible loans and securities. Total FHLB advances were $34.0 million at September 30, 2013 and December 31, 2012, borrowed at fixed rates with a weighted average rate of 2.89%. At September 30, 2013, CWB had pledged to the FHLB, $25.6 million of securities and $23.8 million of loans. At September 30, 2013, CWB had $69.2 million available for additional borrowing. At December 31, 2012, CWB had pledged to the FHLB, $24.0 million of securities and $25.5 million of loans. At December 31, 2012, CWB had $65.8 million available for additional borrowing. Total FHLB interest expense for the three and nine months ended September 30, 2013 and 2012 was $0.3 million and $0.7 million and $0.3 million and $0.9 million, respectively.

	Federal Reserve Bank – CWB has established a credit line with the Federal Reserve Bank (“FRB”). Advances are collateralized in the aggregate by eligible loans for up to 28 days. There were no outstanding FRB advances as of September 30, 2013 and December 31, 2012. CWB had $123.7 million and $66.3 million in borrowing capacity as of September 30, 2013 and December 31, 2012, respectively.

	Convertible Debentures - In 2010, the Company completed an offering of $8.1 million convertible subordinated debentures. The debentures are a general unsecured obligation and are subordinated in right of payment to all present and future senior indebtedness. The debentures pay interest at 9% until conversion, redemption or maturity and will mature on August 9, 2020. The debentures may be redeemed by the Company after January 1, 2014. Prior to maturity or redemption, the debentures can be converted into common stock at the election of the holder at $4.50 per share between July 2, 2013 and July 1, 2016 and $6.00 per share from July 2, 2016 until maturity or redemption. For the nine months ended September 30, 2013, $6.4 million of principal and $0.1 million of accrued interest had been converted to equity. At September 30, 2013 and December 31, 2012, the balance of the convertible debentures was $1.4 million and $7.9 million, respectively.

STOCKHOLDERS_EQUITY

STOCKHOLDERS' EQUITY	9 Months Ended
STOCKHOLDERS' EQUITY	Sep. 30, 2013
STOCKHOLDERS' EQUITY [Abstract]	'
STOCKHOLDERS' EQUITY	'
	7	STOCKHOLDERS’ EQUITY

	The following summarizes the changes in the unrealized gains and losses on the available-for –sale securities component of accumulated other comprehensive income, net of tax for the periods indicated:

			Three Months Ended					Nine Months Ended
			September 30,					September 30,
			2013			2012		2013			2012
			(in thousands)
	Beginning balance		$	(103	)	$	35	$	35		$	139
	Other comprehensive income before reclassifications			(119	)		7		(257	)		2
	Amounts reclassified from accumulated other comprehensive income			-			-		-			(99	)
	Net current-period other comprehensive income			(119	)		7		(257	)		(97	)
	Ending Balance		$	(222	)	$	42	$	(222	)	$	42

	Preferred Stock

	The Company’s Series A Preferred Stock pays cumulative dividends at a rate of 5% per year until December 19, 2013 then increases to a rate of 9% per year thereafter, but will be paid only if, as and when declared by the Company's Board of Directors subject to any regulatory approval requirements as may then be imposed. The Series A Preferred Stock has no maturity date and ranks senior to the Common Stock with respect to the payment of dividends and distributions and amounts payable upon liquidation, dissolution and winding up of the Company.

	In December 2012, Treasury sold all of the Series A Preferred Stock to third party purchasers unaffiliated with the Company. The Company did not receive any proceeds from this auction, nor were any of the terms modified in connection with the sales.
	On June 4, 2013, four members of the Board of Directors purchased 1.1 million shares of the Company’s Series A Cumulative Perpetual Preferred stock from private investors.

	During the nine months ended September 30, 2013 and 2012, the Company recorded $0.6 million of dividends and $0.2 million in accretion of the discount on preferred stock.

	The Company has paid all the quarterly dividends on such Series A Preferred Stock through February 15, 2012. While the Company declared and accrued for the subsequent six quarters of dividends, the Company’s request to the FRB was denied, as such, the Company has not paid the dividends. The aggregate amount of the dividends that would have been paid was $1.2 million. The deferral of the dividends on the Series A Preferred Stock is permitted under its terms and does not constitute an event of default.

	Common Stock Warrant

	The Warrant issued as part of the TARP provides for the purchase of up to 521,158 shares of the common stock, at an exercise price of $4.49 per share (“Warrant Shares”). The Warrant is immediately exercisable and has a 10-year term. The exercise price and the ultimate number of shares of common stock that may be issued under the Warrant are subject to certain anti-dilution adjustments, such as upon stock splits or distributions of securities or other assets to holders of the common stock, and upon certain issuances of the common stock at or below a specified price relative to the then current market price of the common stock. On June 6, 2013, the Treasury sold its warrant position to private investors. Pursuant to the Securities Purchase Agreement, the private investors have agreed not to exercise voting power with respect to any Warrant Shares.

EARNINGS_PER_SHARE

EARNINGS PER SHARE	9 Months Ended
EARNINGS PER SHARE	Sep. 30, 2013
EARNINGS PER SHARE [Abstract]	'
EARNINGS PER SHARE	'
	8	EARNINGS PER SHARE

	The following table presents a reconciliation of basic earnings per share and diluted earnings per share:

			Three Months Ended				Nine Months Ended
			September 30,				September 30,
			2013		2012		2013		2012
			(dollars in thousands, except per share amounts)
	Net income		$	2,635	$	613	$	5,850	$	841
	Less: dividends and accretion on preferred stock			262		253		786		785
	Net income available to common stockholders		$	2,373	$	360	$	5,064	$	56
	Add: debenture interest expense and costs, net of income taxes			23		-		222		-
	Net income for diluted calculation of earnings per common share		$	2,396	$	360	$	5,286	$	56
	Weighted average number of common shares outstanding - basic			7,865		5,990		6,731		5,990
	Weighted average number of common shares outstanding - diluted			8,395		8,233		8,883		8,233
	Earnings per share:
	Basic		$	0.3	$	0.06	$	0.75	$	0.01
	Diluted		$	0.29	$	0.06	$	0.6	$	0.01

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Sep. 30, 2013
SUMMARY OF SIGNIFICANT OF ACCOUNTING POLICIES [Abstract]	'
Nature of Operations	'
	Nature of operations

	Community West Bancshares (“CWBC”), incorporated under the laws of the state of California, is a bank holding company providing full service banking through its wholly-owned subsidiary Community West Bank, N.A. (“CWB” or the “Bank”). These entities are collectively referred to herein as the “Company”.

Basis of Presentation	'
	Basis of presentation

	The accounting and reporting policies of the Company are in accordance with accounting principles generally accepted in the United States (“GAAP”) and conform to practices within the financial services industry. The accounts of the Company and its consolidated subsidiary are included in these Consolidated Financial Statements. All significant intercompany balances and transactions have been eliminated.

Use of Estimates	'
	Use of estimates

	The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant changes in the near term relate to the determination of the allowance for credit losses and fair value of other real estate owned. Although Management believes these estimates to be reasonably accurate, actual amounts may differ. In the opinion of Management, all adjustments considered necessary have been reflected in the financial statements during their preparation.

Interim Financial Information	'
	Interim financial information

	The accompanying unaudited consolidated financial statements as of September 30, 2013 and 2012 have been prepared in a condensed format, and therefore do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. These statements have been prepared on a basis that is substantially consistent with the accounting principles applied to our audited consolidated financial statements included in our Annual Report on Form 10-K for the year ended December 31, 2012.

	The information furnished in these interim statements reflects all adjustments which are, in the opinion of management, necessary for a fair statement of the results for each respective period presented. Such adjustments are of a normal recurring nature. The results of operations in the interim statements are not necessarily indicative of the results that may be expected for any other quarter or for the full year. The interim financial information should be read in conjunction with the Company’s audited consolidated financial statements.

Reclassifications	'
	Reclassifications

	Certain amounts in the consolidated financial statements as of December 31, 2012 and for the three and nine months ended September 30, 2012 have been reclassified to conform to the current presentation. The reclassifications have no effect on net income or stockholders’ equity as previously reported.

Loans Held for Investment	'
	Loans Held for Investment

	Loans are recognized at the principal amount outstanding, net of unearned income, loan participations and amounts charged off. Unearned income includes deferred loan origination fees reduced by loan origination costs. Unearned income on loans is amortized to interest income over the life of the related loan using the level yield method.

Provision and Allowance for Loan Losses	'
	Provision and Allowance for Loan Losses

	The Company maintains a detailed, systematic analysis and procedural discipline to determine the amount of the allowance for loan losses (“ALL”). The ALL is based on estimates and is intended to be appropriate to provide for probable losses inherent in the loan portfolio. This process involves deriving probable loss estimates that are based on migration analysis and historical loss rates, in addition to qualitative factors that are based on management’s judgment. The migration analysis and historical loss rate calculations are based on the annualized loss rates utilizing a twelve-quarter loss history. Migration analysis is utilized for the Commercial Real Estate (“CRE”), Commercial, Commercial Agriculture, Small Business Association (“SBA”), Home Equity Line of Credit (“HELOC”), Single Family Residential, and Consumer portfolios. The historical loss rate method is utilized primarily for the Manufactured Housing portfolio. The migration analysis takes into account the risk rating of loans that are charged off in each loan category. Loans that are considered Doubtful are typically charged off. The following is a description of the characteristics of loan ratings. Loan ratings are reviewed as part of our normal loan monitoring process, but, at a minimum, updated on an annual basis.

	Outstanding – This is the highest quality rating that is assigned to any loan in the portfolio. These loans are made to the highest quality borrowers with strong financial statements and unquestionable repayment sources. Collateral securing these types of credits are generally cash deposits in the bank or marketable securities held in custody.

	Good – Loans rated in this category are strong loans, underwritten well, that bear little risk of loss to the Company. Loans in this category are loans to quality borrowers with very good financial statements that present an identifiable strong primary source and good secondary source of repayment. Generally, these credits are well collateralized by good quality and liquid assets or low loan to value market real estate.

	Pass - Loans rated in this category are acceptable loans, appropriately underwritten, bearing an ordinary risk of loss to the Company. Loans in this category are loans to quality borrowers with financial statements presenting a good primary source as well as an adequate secondary source of repayment. In the case of individuals, borrowers with this rating are quality borrowers demonstrating a reasonable level of secure income, a net worth adequate to support the loan and presenting a good primary source as well as an adequate secondary source of repayment.

	Watch – Acceptable credit that requires a temporary increase in attention by management. This can be caused by declines in sales, margins, liquidity or working capital. Generally the primary weakness is lack of current financial statements and industry issues.

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

	Substandard - A Substandard loan is inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any. These loans have a well-defined weakness or weaknesses that jeopardize full collection of amounts due. They are characterized by the distinct possibility that the Company will sustain some loss if the borrower’s deficiencies are not corrected.

	Doubtful - A loan classified Doubtful has all the weaknesses inherent in one classified Substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The possibility of loss is extremely high, but because of certain important and reasonably specific pending factors, which may work to the advantage and strengthening of the loan, its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors include proposed merger, acquisition or liquidation procedures, capital injection, perfecting liens on additional collateral and refinancing plans.

	Loss - Loans classified Loss are considered uncollectible and of such little value that their continuance as bankable loans is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this loan even though partial recovery may be realized in the future. Losses are taken in the period in which they are considered uncollectible.

	The Company’s ALL is maintained at a level believed appropriate by management to absorb known and inherent probable losses on existing loans. The allowance is charged for losses when management believes that full recovery on the loan is unlikely. The following is the Company’s policy regarding charging off loans.

	Commercial, CRE and SBA Loans

	Charge-offs on these loan categories are taken as soon as all or a portion of any loan balance is deemed to be uncollectible. A loan is considered impaired when, based on current information, it is probable that the Company will be unable to collect the scheduled payments of principal and/or interest under the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and/or interest payments. Loans that experience insignificant payment delays or payment shortfalls generally are not classified as impaired Generally, loan balances are charged-down to the fair value of the collateral, if, based on a current assessment of the value, an apparent deficiency exists. In the event there is no perceived equity, the loan is charged-off in full. Unsecured loans which are delinquent over 90 days are also charged-off in full.

	Single Family Real Estate, HELOC’s and Manufactured Housing Loans

	Consumer loans and residential mortgages secured by one-to-four family residential properties, HELOC and manufactured housing loans in which principal or interest is due and unpaid for 90 days, are evaluated for possible charge-off. Loan balances are charged-off to the fair value of the property, less estimated selling costs, if, based on a current appraisal, an apparent deficiency exists. In the event there is no perceived equity, the loan is generally fully charged-off. Other consumer loans which are not secured and unpaid over 90-120 days are charged-off in full.

	Consumer Loans

	All consumer loans (excluding real estate mortgages, home equity loans and savings secured loans) are charged-off or charged-down to net recoverable value before becoming 120 days or five payments delinquent.

	The ALL calculation for the different loan portfolios is as follows:

		·	Commercial Real Estate, Commercial, Commercial Agriculture, SBA, HELOC, Single Family Residential, and Consumer – Migration analysis combined with risk rating is used to determine the required allowance for all non-impaired loans. In addition, the migration results are adjusted based upon qualitative factors that affect this specific portfolio category. Reserves on impaired loans are determined based upon the individual characteristics of the loan.

		·	Manufactured Housing – The allowance is calculated on the basis of loss history and risk rating, which is primarily a function of delinquency. In addition, the loss results are adjusted based upon qualitative factors that affect this specific portfolio.

	The Company evaluates and individually assesses for impairment loans generally greater than $500,000, classified as substandard or doubtful in addition to loans either on nonaccrual, considered a troubled debt restructuring (“TDR”) or when other conditions exist which lead management to review for possible impairment. Measurement of impairment on impaired loans is determined on a loan-by-loan basis and in total establishes a specific reserve for impaired loans. The amount of impairment is determined by comparing the recorded investment in each loan with its value measured by one of three methods:

		·	The expected future cash flows are estimated and then discounted at the effective interest rate.
		·	The value of the underlying collateral net of selling costs. Selling costs are estimated based on industry standards, the Company’s actual experience or actual costs incurred as appropriate. When evaluating real estate collateral, the Company typically uses appraisals or valuations, no more than twelve months old at time of evaluation. When evaluating non-real estate collateral securing the loan, the Company will use audited financial statements or appraisals no more than twelve months old at time of evaluation. Additionally for both real estate and non-real estate collateral, the Company may use other sources to determine value as deemed appropriate.
		·	The loan’s observable market price.

	Interest income is not recognized on impaired loans except for limited circumstances in which a loan, although impaired, continues to perform in accordance with the loan contract and the borrower provides financial information to support maintaining the loan on accrual.

	The Company determines the appropriate ALL on a monthly basis. Any differences between estimated and actual observed losses from the prior month are reflected in the current period in determining the appropriate ALL determination and adjusted as deemed necessary. The review of the appropriateness of the allowance takes into consideration such factors as concentrations of credit, changes in the growth, size and composition of the loan portfolio, overall and individual portfolio quality, review of specific problem loans, collateral, guarantees and economic and environmental conditions that may affect the borrowers' ability to pay and/or the value of the underlying collateral. Additional factors considered include: geographic location of borrowers, changes in the Company’s product-specific credit policy and lending staff experience. These estimates depend on the outcome of future events and, therefore, contain inherent uncertainties.

	Another component of the ALL considers qualitative factors related to non-impaired loans. The qualitative portion of the allowance on each of the loan pools is based on the following factors:

		·	Concentrations of credit
		·	International risk
		·	Trends in volume, maturity, and composition
		·	Volume and trend in delinquency
		·	Economic conditions
		·	Outside exams
		·	Geographic distance
		·	Policy and changes
		·	Staff experience and ability

Foreclosed Real Estate and Repossessed Assets	'
	Foreclosed Real Estate and Repossessed Assets

	Foreclosed real estate and other repossessed assets are recorded at fair value at the time of foreclosure less estimated costs to sell. Any excess of loan balance over the fair value less estimated costs to sell of the other assets is charged-off against the allowance for loan losses. Any excess of the fair value less estimated costs to sell over the loan balance is recorded as a loan loss recovery to the extent of the loan loss previously charged-off against the allowance for loan losses; and, if greater, recorded as a gain on foreclosed assets. Subsequent to the legal ownership date, management periodically performs a new valuation and the asset is carried at the lower of carrying amount or fair value less estimated costs to sell. Operating expenses or income, and gains or losses on disposition of such properties, are recorded in current operations.

Income Taxes	'
	Income Taxes

	The Company uses the asset and liability method, which recognizes an asset or liability representing the tax effects of future deductible or taxable amounts that have been recognized in the consolidated financial statements. Due to tax regulations, certain items of income and expense are recognized in different periods for tax return purposes than for financial statement reporting. These items represent “temporary differences.” Deferred income taxes are recognized for the tax effect of temporary differences between the tax basis of assets and liabilities and their financial reporting amounts at each period end based on enacted tax laws and statutory tax rates applicable to the periods in which the differences are expected to affect taxable income. A valuation allowance is established for deferred tax assets if, based on weight of available evidence, it is more likely than not that some portion or all of the deferred tax assets may not be realized.

	Management evaluates the Company’s deferred tax asset for recoverability using a consistent approach which considers the relative impact of negative and positive evidence, including the Company’s historical profitability and projections of future taxable income. The Company is required to establish a valuation allowance for deferred tax asset and record a charge to income if Management determines, based on available evidence at the time the determination is made, that it is more likely than not that some portion or all of the deferred tax asset may not be realized.

	Net income represents positive evidence for the reduction of the deferred tax valuation allowance. The Company had net income of $5.9 million for the nine months ended September 30, 2013. The Company expects to be in a Federal tax expense position for 2013. A corresponding release of the valuation allowance equal to the current year tax expense of $1.4 million has been reflected at September 30, 2013.

	The Company is subject to the provisions of ASC 740, Income Taxes (ASC 740). ASC 740 prescribes a more-likely-than-not threshold for the financial statement recognition of uncertain tax positions. ASC 740 clarifies the accounting for income taxes by prescribing a minimum recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. On a quarterly basis, the Company evaluates income tax accruals in accordance with ASC 740 guidance on uncertain tax positions.

Earnings Per Share	'
	Earnings Per Share

	Basic earnings per common share is computed using the weighted average number of common shares outstanding for the period divided into the net income (loss) available to common shareholders. Diluted earnings per share include the effect of all dilutive potential common shares for the period. Potentially dilutive common shares include stock options, warrants and shares that could result from the conversion of debenture bonds.

Recent Accounting Pronouncements	'
	Recent Accounting Pronouncements

	In February 2013, the FASB issued guidance within ASU 2013-02 “Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income.” The amendments in ASU 2013-02 to Topic 220, Comprehensive Income, update, supersede and replace the presentation requirements for reclassifications out of accumulated other comprehensive income in ASUs 2011-05 and 2011-12. The amendments require an entity to provide additional information about reclassifications out of accumulated other comprehensive income. The amendments are effective prospectively for reporting periods beginning after December 15, 2012. The adoption of ASU No. 2013-02 resulted in presentation changes to the Company’s consolidated income statements. The adoption of ASU No. 2013-02 had no impact on the Company’s balance sheets.

	In July 2013, the FASB issued guidance within ASU 2013-11, “Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists.” The amendments in ASU 2013-11 to Topic 740, Income Taxes, updates the presentation of an unrecognized tax benefit in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward. However, to the extent a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available at the reporting date under the tax law of the applicable jurisdiction to settle any additional income taxes that would result from the disallowance of a tax position or the tax law of the applicable jurisdiction does not require the entity to use, and entity does not intend to use, the deferred tax asset for such purpose, the unrecognized tax benefit should be presented in the financial statements as a liability and should not be combined with deferred tax assets. ASU 2013-11 is effective for the Company on January 1, 2014 and is not to be applied prospectively, although early adoption and retrospective adoption are permitted. The adoption of this standard is not expected to have a material impact on the Company’s consolidated financial statements.

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	9 Months Ended
INVESTMENT SECURITIES (Tables)	Sep. 30, 2013
INVESTMENT SECURITIES [Abstract]	'
Amortized Cost and Estimated Fair Value of Investment Securities	'
	The amortized cost and estimated fair value of investment securities are as follows:

		30-Sep-13
				Gross			Gross
		Amortized		Unrealized			Unrealized			Fair
		Cost		Gains			(Losses)			Value
	Securities available-for-sale	(in thousands)
	U.S. government agency notes	$	5,994	$	-		$	(318	)	$	5,676
	U.S. government agency mortgage backed securities ("MBS")		62		3			-			65
	U.S. government agency collateralized mortgage obligations ("CMO")		9,691		13			(76	)		9,628
	Equity securities: Farmer Mac class A stock		66		1			-			67
	Total	$	15,813	$	17		$	(394	)	$	15,436

	Securities held-to-maturity
	U.S. government agency MBS	$	10,149	$	469		$	(18	)	$	10,600
	Total	$	10,149	$	469		$	(18	)	$	10,600

		31-Dec-12
				Gross			Gross
		Amortized		Unrealized			Unrealized			Fair
		Cost		Gains			(Losses)			Value
	Securities available-for-sale	(in thousands)
	U.S. government agency notes	$	1,998	$	-		$	(10	)	$	1,988
	U.S. government agency MBS		163		8			-			171
	U.S. government agency CMO		9,783		62			-			9,845
	Total	$	11,944	$	70		$	(10	)	$	12,004

	Securities held-to-maturity
	U.S. government agency MBS	$	12,036	$	729		$	-		$	12,765
	Total	$	12,036	$	729		$	-		$	12,765
Maturity Periods and Weighted Average Yields of Investment Securities	'
	The maturity periods and weighted average yields of investment securities at September 30, 2013 are as follows:

		Less than One Year					One to Five Years						Five to Ten Years					Over Ten Years					Total
		Amount		Yield			Amount			Yield			Amount		Yield			Amount		Yield			Amount		Yield
	Securities available-for-sale	(dollars in thousands)
	U.S. government agency notes	$	5,676		1.2	%	$	-			-		$	-		-		$	-		-		$	5,676		1.2	%
	U.S. government agency MBS		-		-			-			-			65		2.2	%		-		-			65		2.2	%
	U.S. government agency CMO		-		-			2,427			0.7	%		4,355		0.5	%		2,846		0.8	%		9,628		0.7	%
	Farmer Mac class A stock		-		-			-			-			-		-			-		-			67		-
	Total	$	5,676		1.2	%	$	2,427			0.7	%	$	4,420		0.6	%	$	2,846		0.8	%	$	15,436		0.9	%

	Securities held-to-maturity
	U.S. government agency MBS	$	-		-		$	2,366			4.7	%	$	7,783		2.7	%	$	-		-		$	10,149		3.2	%
	Total	$	-		-		$	2,366			4.7	%	$	7,783		2.7	%	$	-		-		$	10,149		3.2	%

	The amortized cost and fair value of securities as of September 30, 2013 and December 31, 2012, by contractual maturities, are shown below:

		30-Sep-13					31-Dec-12
		Amortized		Estimated			Amortized			Estimated
		Cost		Fair Value			Cost			Fair Value
	Securities available for sale	(in thousands)
	Due in one year or less	$	5,994	$	5,676		$	4,923		$	4,913
	After one year through five years		2,418		2,427			6,858			6,920
	After five years through ten years		4,425		4,420			163			171
	After ten years		2,910		2,846			-			-
	Farmer Mac class A stock		66		67			-			-
		$	15,813	$	15,436		$	11,944		$	12,004
	Securities held to maturity
	Due in one year or less	$	-	$	-		$	-		$	-
	After one year through five years		2,366		2,521			4,051			4,314
	After five years through ten years		7,783		8,079			7,985			8,451
	After ten years		-		-			-			-
		$	10,149	$	10,600		$	12,036		$	12,765
Fair Value and Unrealized Losses of Securities in Unrealized Loss Position	'
	The following tables show all securities that are in an unrealized loss position:

		30-Sep-13
		Less Than Twelve Months					More Than Twelve Months						Total
		Gross					Gross						Gross
		Unrealized		Fair			Unrealized			Fair			Unrealized		Fair
		Losses		Value			Losses			Value			Losses		Value
	Securities available-for-sale	(in thousands)
	U.S. government agency notes	$	318	$	5,676		$	-		$	-		$	318	$	5,676
	U.S. government agency CMO		76		5,427		$	-		$	-			76		5,427
		$	394	$	11,103		$	-		$	-		$	394	$	11,103
	Securities held-to-maturity
	U.S. Government-agency MBS	$	18	$	1,080		$	-		$	-		$	18	$	1,080
	Total	$	18	$	1,080		$	-		$	-		$	18	$	1,080


		31-Dec-12
		Less Than Twelve Months					More Than Twelve Months						Total
		Gross					Gross						Gross
		Unrealized		Fair			Unrealized			Fair			Unrealized		Fair
		Losses		Value			Losses			Value			Losses		Value
	Securities available-for-sale	(in thousands)
	U.S. government agency notes	$	10	$	1,988		$	-		$	-		$	10	$	1,988
	U.S. government agency CMO		1		876			1			411			2		1,287
	Total	$	11	$	2,864		$	1		$	411		$	12	$	3,275

LOAN_SALES_AND_SERVICING_Table

LOAN SALES AND SERVICING (Tables)	9 Months Ended
LOAN SALES AND SERVICING (Tables)	Sep. 30, 2013
LOAN SALES AND SERVICING [Abstract]	'
Schedule of Interest Only Strips Valued at Fair Value	'
	The following table presents the I/O strips activity as of the periods presented:

			Three Months Ended						Nine Months Ended
			September 30,						September 30,
			2013			2012			2013			2012
		(in thousands)
	Beginning balance		$	394		$	456		$	426		$	419
	Adjustment to fair value			(18	)		(5	)		(50	)		32
	Ending balance		$	376		$	451		$	376		$	451
Assumptions Used in Estimating the Fair Value of Interest Only Strips And Servicing Rights	'
	The key data assumptions used in estimating the fair value of the I/O strips as of the periods presented were as follows:

			September 30,
			2013			2012

	Weighted-average constant prepayment rate			5.17	%		5.66	%
	Weighted-average life (in years)			6			6
	Weighted-average discount rate			12.74	%		12.94	%
	The key data and assumptions used in estimating the fair value of servicing rights as of the periods presented were as follows:

			September 30,
			2013			2012

	Weighted-average constant prepayment rate			4.62	%		5.19	%
	Weighted-average life (in years)			9			9
	Weighted-average discount rate			13.48	%		13.93	%
Sensitivity Analysis of Fair Value of Interest Only Strips And Servicing Rights	'
	A sensitivity analysis of the fair value of the I/O strips to changes in certain key assumptions is presented in the following table:

			September 30,
			2013			2012
			( in thousands)
	Discount Rate
	Increase in fair value from 100 basis points ("bps") decrease		$	11		$	13
	Decrease in fair value from 100 bps increase			(10	)		(13	)
	Constant Prepayment Rate
	Increase in fair value from 10 percent decrease			5			7
	Decrease in fair value from 10 percent increase			(5	)		(7	)
	A sensitivity analysis of the fair value of servicing rights to change in certain key assumptions is presented in the following table:

			September 30,
			2013			2012
			( in thousands)
	Discount Rate
	Increase in fair value from 100 basis points ("bps") decrease		$	12		$	13
	Decrease in fair value from 100 bps increase			(11	)		(13	)
	Constant Prepayment Rate
	Increase in fair value from 10 percent decrease			6			7
	Decrease in fair value from 10 percent increase			(5	)		(7	)
Servicing Rights Accounted for Under the Amortization Method	'
	The following is a summary of the activity for servicing rights accounted for under the amortization method:

			Three Months Ended						Nine Months Ended
			September 30,						September 30,
			2013			2012			2013			2012
		(in thousands)
	Beginning balance		$	326		$	441		$	383		$	625
	Amortization			(28	)		(29	)		(85	)		(213	)
	Ending balance		$	298		$	412		$	298		$	412
Servicing Rights Accounted for Under the Fair Value Method	'
	The following is a summary of the activity for servicing rights accounted for under the fair value method:

			Three Months Ended						Nine Months Ended
			September 30,						September 30,
			2013			2012			2013			2012
		(in thousands)
	Beginning balance		$	304		$	253		$	348		$	-
	Additions through loan sales			-			72			-			349
	Adjustment to fair value			(4	)		8			(48	)		(16	)
	Ending balance		$	300		$	333		$	300		$	333

LOANS_HELD_FOR_INVESTMENT_Tabl

LOANS HELD FOR INVESTMENT (Tables)	9 Months Ended
LOANS HELD FOR INVESTMENT (Tables)	Sep. 30, 2013
LOANS HELD FOR INVESTMENT [Abstract]	'
Portfolio of Loans Held for Investment	'
	The composition of the Company’s loans held for investment loan portfolio follows:

			September 30,				December 31,
			2013				2012
			(in thousands)
	Manufactured housing		$	172,126			$	177,391
	Commercial real estate			132,034				126,677
	Commercial			31,453				32,496
	SBA			25,753				30,688
	HELOC			15,616				17,852
	Single family real estate			10,007				9,939
	Consumer			186				232
				387,175				395,275
	Allowance for loan losses			11,654				14,464
	Deferred costs, net			(92	)			(128	)
	Discount on SBA loans			355				432
	Total loans held for investment, net		$	375,258			$	380,507
Current and Past Due Financing Receivable	'
	The following table presents the contractual aging of the recorded investment in past due held for investment loans by class of loans:

			30-Sep-13
																											Recorded
																											Investment
							30-59 Days				60-89 Days				Over 90 Days				Total								Over 90 Days
			Current				Past Due				Past Due				Past Due				Past Due				Total				and Accruing
			(in thousands)
	Manufactured housing		$	171,923			$	144			$	59			$	-			$	203			$	172,126			$	-
	Commercial real estate:
	Commercial real estate			84,191				-				-				-				-				84,191				-
	SBA 504 1st trust deed			33,315				-				-				490				490				33,805				-
	Land			1,972				-				-				-				-				1,972				-
	Construction			12,066				-				-				-				-				12,066				-
	Commercial			27,952				-				3,501				-				3,501				31,453				-
	SBA (1)			24,953				98				-				702				800				25,753				-
	HELOC			15,616				-				-				-				-				15,616				-
	Single family real estate			9,739				-				-				268				268				10,007				-
	Consumer			186				-				-				-				-				186				-
	Total		$	381,913			$	242			$	3,560			$	1,460			$	5,262			$	387,175			$	-

		-1	$0.7 million of the $0.8 million SBA loans past due are guaranteed by the SBA.

			31-Dec-12
																											Recorded
																											Investment
							30-59 Days				60-89 Days				Over 90 Days				Total								Over 90 Days
			Current				Past Due				Past Due				Past Due				Past Due				Total				and Accruing
			(in thousands)
	Manufactured housing		$	176,249			$	467			$	258			$	417			$	1,142			$	177,391			$	-
	Commercial real estate:
	Commercial real estate			81,682				-				-				830				830				82,512				-
	SBA 504 1st trust deed			34,502				-				-				-				-				34,502				-
	Land			4,556				-				-				-				-				4,556				-
	Construction			5,107				-				-				-				-				5,107				-
	Commercial			32,324				40				-				132				172				32,496				-
	SBA (1)			23,906				713				-				6,069				6,782				30,688				-
	HELOC			17,852				-				-				-				-				17,852				-
	Single family real estate			9,895				32				-				12				44				9,939				12
	Consumer			232				-				-				-				-				232				-
	Total		$	386,305			$	1,252			$	258			$	7,460			$	8,970			$	395,275			$	12

		-1	$5.6 million of the $6.8 million SBA loans past due are guaranteed by the SBA.
Analysis of Allowance for Loan Losses for Loans Held for Investment	'
	The following table summarizes the changes in the allowance for loan losses:

			Three Months Ended								Nine Months Ended
			September 30,								September 30,
			2013				2012				2013				2012
		(in thousands)
	Beginning balance		$	12,456			$	15,446			$	14,464			$	15,270
	Charge-offs			(692	)			(1,946	)			(1,959	)			(6,403	)
	Recoveries			1,453				262				1,992				1,012
	Net charge-offs			761				(1,684	)			33				(5,391	)
	Provision			(1,563	)			1,293				(2,843	)			5,176
	Ending balance		$	11,654			$	15,055			$	11,654			$	15,055

	As of September 30, 2013 and December 31, 2012, the Company had reserves for credit losses on undisbursed loans of $0.1 million which were included in Other liabilities.

	The following tables summarize the changes in the allowance for loan losses by portfolio type:

			For the Three Months Ended September 30,
			Manufactured				Commercial																Single Family
			Housing				Real Estate				Commercial				SBA				HELOC				Real Estate				Consumer				Total
	2013		(in thousands)
	Beginning balance		$	5,691			$	2,654			$	1,529			$	2,073			$	311			$	197			$	1			$	12,456
	Charge-offs			(379	)			(157	)			(32	)			(76	)			-				(48	)			-				(692	)
	Recoveries			119				1,135				45				149				1				4				-				1,453
	Net charge-offs			(260	)			978				13				73				1				(44	)			-				761
	Provision			(80	)			(1,266	)			(365	)			132				(32	)			48				-				(1,563	)
	Ending balance		$	5,351			$	2,366			$	1,177			$	2,278			$	280			$	201			$	1			$	11,654

	2012
	Beginning balance		$	5,187			$	3,175			$	3,064			$	3,148			$	671			$	199			$	2			$	15,446
	Charge-offs			(1,212	)			(396	)			-				(241	)			(74	)			(23	)			-				(1,946	)
	Recoveries			3				31				81				140				-				2				5				262
	Net charge-offs			(1,209	)			(365	)			81				(101	)			(74	)			(21	)			5				(1,684	)
	Provision			2,022				151				(521	)			(238	)			(111	)			(5	)			(5	)			1,293
	Ending balance		$	6,000			$	2,961			$	2,624			$	2,809			$	486			$	173			$	2			$	15,055

			For the Nine Months Ended September 30,
			Manufactured				Commercial																Single Family
			Housing				Real Estate				Commercial				SBA				HELOC				Real Estate				Consumer				Total
	2013		(in thousands)
	Beginning balance		$	5,945			$	2,627			$	2,325			$	2,733			$	634			$	198			$	2			$	14,464
	Charge-offs			(1,088	)			(161	)			(149	)			(355	)			(39	)			(136	)			(31	)			(1,959	)
	Recoveries			248				1,185				154				396				2				7				-				1,992
	Net charge-offs			(840	)			1,024				5				41				(37	)			(129	)			(31	)			33
	Provision			246				(1,285	)			(1,153	)			(496	)			(317	)			132				30				(2,843	)
	Ending balance		$	5,351			$	2,366			$	1,177			$	2,278			$	280			$	201			$	1			$	11,654

	2012
	Beginning balance		$	4,629			$	3,528			$	2,734			$	3,877			$	349			$	150			$	3			$	15,270
	Charge-offs			(3,115	)			(1,687	)			(656	)			(600	)			(76	)			(261	)			(8	)			(6,403	)
	Recoveries			52				32				118				750				50				5				5				1,012
	Net charge-offs			(3,063	)			(1,655	)			(538	)			150				(26	)			(256	)			(3	)			(5,391	)
	Provision			4,434				1,088				428				(1,218	)			163				279				2				5,176
	Ending balance		$	6,000			$	2,961			$	2,624			$	2,809			$	486			$	173			$	2			$	15,055


	The following tables present impairment method information related to loans and allowance for loan losses by loan portfolio segment:

			Manufactured				Commercial																Single Family								Total
			Housing				Real Estate				Commercial				SBA				HELOC				Real Estate				Consumer				Loans
	Loans Held for Investment as of September 30, 2013:		(in thousands)
	Recorded Investment:
	Impaired loans with an allowance recorded		$	5,726			$	1,480			$	471			$	1,471			$	224			$	77			$	-			$	9,449
Impaired loans with no allowance recorded			3,023				1,970				3,548				100				298				693				-				9,632
Total loans individually evaluated for impairment			8,749				3,450				4,019				1,571				522				770				-				19,081
Loans collectively evaluated for impairment			163,377				128,584				27,434				24,182				15,094				9,237				186				368,094
Total loans held for investment		$	172,126			$	132,034			$	31,453			$	25,753			$	15,616			$	10,007			$	186			$	387,175
Unpaid Principal Balance
Impaired loans with an allowance recorded		$	6,121			$	1,497			$	813			$	6,477			$	231			$	77			$	-			$	15,216
Impaired loans with no allowance recorded			4,900				3,974				3,558				1,878				300				786				-				15,396
Total loans individually evaluated for impairment			11,021				5,471				4,371				8,355				531				863				-				30,612
Loans collectively evaluated for impairment			163,377				128,584				27,434				24,182				15,094				9,237				186				368,094
Total loans held for investment		$	174,398			$	134,055			$	31,805			$	32,537			$	15,625			$	10,100			$	186			$	398,706
Related Allowance for Credit Losses
Impaired loans with an allowance recorded		$	777			$	133			$	68			$	190			$	24			$	10			$	-			$	1,202
Impaired loans with no allowance recorded			-				-				-				-				-				-				-				-
Total loans individually evaluated for impairment			777				133				68				190				24				10				-				1,202
Loans collectively evaluated for impairment			4,574				2,233				1,109				2,088				256				191				1				10,452
Total loans held for investment		$	5,351			$	2,366			$	1,177			$	2,278			$	280			$	201			$	1			$	11,654

		Manufactured				Commercial																Single Family								Total
		Housing				Real Estate				Commercial				SBA				HELOC				Real Estate				Consumer				Loans
Loans Held for Investment as of December 31, 2012:		(in thousands)
Recorded Investment:
Impaired loans with an allowance recorded		$	5,748			$	519			$	5,044			$	503			$	269			$	80			$	-			$	12,163
Impaired loans with no allowance recorded			4,687				11,389				49				1,238				-				121				-				17,484
Total loans individually evaluated for impairment			10,435				11,908				5,093				1,741				269				201				-				29,647
Loans collectively evaluated for impairment			166,956				114,769				27,403				28,947				17,583				9,738				232				365,628
Total loans held for investment		$	177,391			$	126,677			$	32,496			$	30,688			$	17,852			$	9,939			$	232			$	395,275
Unpaid Principal Balance
Impaired loans with an allowance recorded		$	5,922			$	570			$	5,430			$	2,536			$	271			$	80			$	-			$	14,809
Impaired loans with no allowance recorded			6,828				17,624				50				6,736				-				197				-				31,435
Total loans individually evaluated for impairment			12,750				18,194				5,480				9,272				271				277				-				46,244
Loans collectively evaluated for impairment			166,956				114,769				27,403				28,947				17,583				9,738				232				365,628
Total loans held for investment		$	179,706			$	132,963			$	32,883			$	38,219			$	17,854			$	10,015			$	232			$	411,872
Related Allowance for Credit Losses
Impaired loans with an allowance recorded		$	1,103			$	4			$	569			$	58			$	49			$	11			$	-			$	1,794
Impaired loans with no allowance recorded			-				-				-				-				-				-				-				-
Total loans individually evaluated for impairment			1,103				4				569				58				49				11				-				1,794
Loans collectively evaluated for impairment			4,842				2,623				1,756				2,675				585				187				2				12,670
Total loans held for investment		$	5,945			$	2,627			$	2,325			$	2,733			$	634			$	198			$	2			$	14,464
Schedule of Impaired Loans by Loan Class	'
	The following tables summarize impaired loans by class of loans:

			September 30,				December 31,
			2013				2012
			(in thousands)
	Manufactured housing		$	8,749			$	10,435
	Commercial real estate :
	Commercial real estate			2,681				10,615
	SBA 504 1st trust deed			769				1,293
	Land			-				-
	Construction			-				-
	Commercial			4,019				5,093
	SBA			1,571				1,741
	HELOC			522				269
	Single family real estate			770				201
	Consumer			-				-
	Total		$	19,081			$	29,647

	The following tables summarize average investment in impaired loans by class of loans and the related interest income recognized as of and for the periods ended:

			Three Months Ended
			September 30,
			2013								2012
			Average Investment				Interest				Average Investment				Interest
			in Impaired Loans				Income				in Impaired Loans				Income
			(in thousands)
	Manufactured housing		$	9,454			$	85			$	11,050			$	110
	Commercial real estate:
	Commercial real estate			7,811				10				16,399				99
	SBA 504 1st			1,089				4				2,042				16
	Land			-				-				-				-
	Construction			-				-				3,189				-
	Commercial			2,789				142				5,442				70
	SBA			1,790				34				1,696				69
	HELOC			397				3				383				7
	Single family real estate			747				1				251				3
	Consumer			-				-				2				-
	Total		$	24,077			$	279			$	40,454			$	374



			Nine Months Ended
			September 30,
			2013								2012
			Average Investment				Interest				Average Investment				Interest
			in Impaired Loans				Income				in Impaired Loans				Income
			(in thousands)
	Manufactured housing		$	9,528			$	182			$	7,782			$	214
	Commercial real estate:
	Commercial real estate			8,875				94				19,071				315
	SBA 504 1st			1,163				28				4,496				116
	Land			-				-				-				-
	Construction			-				-				5,937				108
	Commercial			3,831				208				5,591				235
	SBA			1,432				136				1,796				130
	HELOC			313				3				248				7
	Single family real estate			452				10				350				10
	Consumer			-				-				7				-
	Total		$	25,594			$	661			$	45,278			$	1,135
Recorded Investment in Certain Loans	'
	The following table reflects the recorded investment in certain types of loans at the periods indicated:

			September 30,				December 31,
			2013				2012
			(in thousands)
	Nonaccrual loans		$	21,055			$	29,643
	SBA guaranteed portion of loans included above			(5,778	)			(7,218	)
	Total nonaccrual loans, net		$	15,277			$	22,425

	Troubled debt restructured loans, gross		$	12,288			$	19,931
	Loans 30 through 89 days past due with interest accruing		$	74			$	521
	Allowance for loan losses to gross loans held for investment			3.01	%			3.66	%
Composition of Net Nonaccrual Loans	'
	The following table presents the composition of nonaccrual loans, net of SBA guarantee, by class of loans:

			September 30,				December 31,
			2013				2012
			(in thousands)
	Manufactured housing		$	5,327			$	7,542
	Commercial real estate:
	Commercial real estate			2,681				10,615
	SBA 504 1st			490				490
	Land			-				-
	Construction			-				-
	Commercial			4,019				1,945
	SBA			1,545				1,442
	HELOC			522				269
	Single family real estate			693				121
	Consumer			-				1
	Total		$	15,277			$	22,425
Schedule of Loans by Rating	'
	The following tables present gross loans by risk rating:

			30-Sep-13
							Special
			Pass				Mention				Substandard				Doubtful				Total
			(in thousands)
	Manufactured housing		$	159,086			$	-			$	13,040			$	-			$	172,126
	Commercial real estate:
	Commercial real estate			72,511				4,301				7,379				-				84,191
	SBA 504 1st trust deed			32,205				253				1,347				-				33,805
	Land			1,149				823				-				-				1,972
	Construction			12,066				-				-				-				12,066
	Commercial			25,583				672				5,169				29				31,453
	SBA			15,193				59				2,343				14				17,609
	HELOC			6,963				3,119				5,534				-				15,616
	Single family real estate			9,064				-				943				-				10,007
	Consumer			186				-				-				-				186
	Total, net		$	334,006			$	9,227			$	35,755			$	43			$	379,031
	SBA guarantee			-				-				7,324				820				8,144
	Total		$	334,006			$	9,227			$	43,079			$	863			$	387,175

			31-Dec-12
							Special
			Pass				Mention				Substandard				Doubtful				Total
			(in thousands)
	Manufactured housing		$	164,269			$	-			$	13,122			$	-			$	177,391
	Commercial real estate:
	Commercial real estate			63,793				6,478				12,241				-				82,512
	SBA 504 1st trust deed			31,385				1,461				1,656				-				34,502
	Land			3,333				300				923				-				4,556
	Construction			5,107				-				-				-				5,107
	Commercial			27,015				997				4,413				71				32,496
	SBA			16,302				1,514				2,504				54				20,374
	HELOC			9,432				245				8,175				-				17,852
	Single family real estate			9,622				-				317				-				9,939
	Consumer			231				-				1				-				232
	Total, net		$	330,489			$	10,995			$	43,352			$	125			$	384,961
	SBA guarantee			-				-				7,551				2,763				10,314
	Total		$	330,489			$	10,995			$	50,903			$	2,888			$	395,275
Troubled Debt Restructurings	'
	The following tables summarize the financial effects of TDR loans by loan class for the periods presented:

			For the Three Months Ended September 30, 2013
							Effect on				Balance of				Average Rate				Balance of				Average
							Allowance for				Loans with				Reduction				Loans with				Extension
			Balance				Loan Losses				Rate Reduction				(basis points)				Term Extension				(in months)
			(dollars in thousands)
	Manufactured housing		$	265			$	15			$	265				225			$	265				112
	Commercial real estate			-				-				-				-				-				-
	Construction			-				-				-				-				-				-
	Commercial			3,501				221				-				-				3,501				31
	SBA			-				-				-				-				-				-
	HELOC			-				-				-				-				-				-
	Single family real estate			147				12				146				100				147				12
	Total		$	3,913			$	248			$	411				200			$	3,913				65

			For the Nine Months Ended September 30, 2013
							Effect on				Balance of				Average Rate				Balance of				Average
							Allowance for				Loans with				Reduction				Loans with				Extension
			Balance				Loan Losses				Rate Reduction				(basis points)				Term Extension				(in months)
			(dollars in thousands)
	Manufactured housing		$	1,405			$	170			$	444				171			$	1,405				135
	Commercial real estate			655				45				-				-				655				8
	Construction			-				-				-				-				-				-
	Commercial			4,011				256				-				-				4,011				41
	SBA			87				16				-				-				87				4
	HELOC			-				-				-				-				-				-
	Single family real estate			147				12				147				100				147				12
	Total		$	6,305			$	499			$	591				163			$	6,305				96

			For the Three Months Ended September 30, 2012
							Effect on				Balance of				Average Rate				Balance of				Average
							Allowance for				Loans with				Reduction				Loans with				Extension
			Balance				Loan Losses				Rate Reduction				(basis points)				Term Extension				(in months)
			(dollars in thousands)
	Manufactured housing		$	1,474			$	341			$	-				-			$	1,474				171
	Commercial real estate			-				-				-				-				-				-
	Construction			-				-				-				-				-				-
	Commercial			289				30				-				-				289				49
	SBA			74				17				-				-				74				103
	HELOC			-				-				-				-				-				-
	Single family real estate			-				-				-				-				-				-
	Total		$	1,837			$	388			$	-				-			$	1,837				161


			For the Nine Months Ended September 30, 2012
							Effect on				Balance of				Average Rate				Balance of				Average
							Allowance for				Loans with				Reduction				Loans with				Extension
			Balance				Loan Losses				Rate Reduction				(basis points)				Term Extension				(in months)
			(dollars in thousands)
	Manufactured housing		$	5,715			$	888			$	294				325			$	5,715				159
	Commercial real estate			3,590				292				-				-				3,590				56
	Construction			3,147				315				3,146				300				3,147				15
	Commercial			1,021				139				-				-				1,021				55
	SBA			411				56				-				-				411				78
	HELOC			-				-				-				-				-				-
	Single family real estate			77				2				-				-				77				4
	Total		$	13,961			$	1,692			$	3,440				320			$	13,961				144

	The following tables present TDR's by class that occurred in the past twelve months for which there was a payment default during the period:

			Three Months Ended
			September 30,
		2013												2012
						Effect on												Effect on
						Allowance for				Number								Allowance for				Number
		Balance				Loan Losses				of Loans				Balance				Loan Losses				of Loans
		(dollars in thousands)
Manufactured housing		$	-			$	-				-			$	124			$	4				3
Total		$	-			$	-				-			$	124			$	4				3

		Nine Months Ended
		September 30,
		2013												2012
						Effect on												Effect on
						Allowance for				Number								Allowance for				Number
		Balance				Loan Losses				of Loans				Balance				Loan Losses				of Loans
		(dollars in thousands)
Manufactured housing		$	375			$	9				5			$	124			$	4				3
SBA 504 1st			-				-				-				173				-				1
SBA			-				-				-				68				-				1
Total		$	375			$	9				5			$	365			$	4				5

FAIR_VALUE_MEASUREMENT_Tables

FAIR VALUE MEASUREMENT (Tables)	9 Months Ended
FAIR VALUE MEASUREMENT (Tables)	Sep. 30, 2013
FAIR VALUE MEASUREMENT [Abstract]	'
Summary of Fair Value Measurements of Assets Measured on a Recurring Basis	'
	The following tables summarize the fair value of assets measured on a recurring basis:

		Fair Value Measurements at the End of the Reporting Period Using:
		Quoted Prices
		in Active		Significant
		Markets for		Other		Significant
		Identical		Observable		Unobservable
		Assets		Inputs		Inputs		Fair
	30-Sep-13	(Level 1)		(Level 2)		(Level 3)		Value
	Assets:	(in thousands)
	Investment securities available-for-sale	$	67	$	15,369	$	-	$	15,436
	Interest only strips		-		-		376		376
	Servicing assets		-		-		300		300
		$	67	$	15,369	$	676	$	16,112


		Fair Value Measurements at the End of the Reporting Period Using:
		Quoted Prices
		in Active		Significant
		Markets for		Other		Significant
		Identical		Observable		Unobservable
		Assets		Inputs		Inputs		Fair
	31-Dec-12	(Level 1)		(Level 2)		(Level 3)		Value
	Assets:	(in thousands)
	Investment securities available-for-sale	$	-	$	12,004	$	-	$	12,004
	Interest only strips		-		-		426		426
	Servicing assets		-		-		348		348
		$	-	$	12,004	$	774	$	12,778
Summary of Fair Value Measurements of Assets Measured on a Non-recurring Basis	'
	The following summarizes the fair value measurements of assets measured on a non-recurring basis:

		Fair Value Measurements at the End of the Reporting Period Using
				Quoted Prices
				in Active		Active
				Markets for		Markets for		Unobservable
				Identical Assets		Similar Assets		Inputs
		Total		(Level 1)		(Level 2)		(Level 3)
		(in thousands)
	As of September 30, 2013:
	Impaired loans	$	17,879	$	-	$	9,632	$	8,247
	Loans held for sale		68,405		-		68,405		-
	Foreclosed real estate and repossesed assets		3,975		-		3,975		-
		$	90,259	$	-	$	82,012	$	8,247

	As of December 31, 2012:
	Impaired loans	$	27,853	$	-	$	17,430	$	10,423
	Loans held for sale		72,514		-		72,514		-
	Foreclosed real estate and repossesed assets		1,889		-		1,889		-
		$	102,256	$	-	$	91,833	$	10,423
Estimated fair values and carrying values of financial instruments	'
	The estimated fair value of the Company’s financial instruments is as follows:

		30-Sep-13
		Carrying		Fair Value
		Amount		Level 1		Level 2		Level 3		Total
	Financial assets:	(in thousands)
	Cash and cash equivalents	$	42,570	$	42,570	$	-	$	-	$	42,570
	Interest-bearing deposits in other financial institutions		3,282		3,282		-		-		3,282
	FRB and FHLB stock		3,654		-		3,654				3,654
	Investment securities		25,585		67		25,969		-		26,036
	Loans, net		439,445		-		442,166		8,247		450,413
	Financial liabilities:
	Deposits		325,616		-		325,616		-		325,616
	Time deposits		105,475		-		105,764		-		105,764
	Other borrowings		35,442		-		36,206		-		36,206

		31-Dec-12
		Carrying		Fair Value
		Amount		Level 1		Level 2		Level 3		Total
	Financial assets:	(in thousands)
	Cash and cash equivalents	$	27,891	$	27,891	$	-	$	-	$	27,891
	Interest-bearing deposits in other financial institutions		3,653		3,653		-		-		3,653
	FRB and FHLB stock		4,656		-		4,656				4,656
	Investment securities		24,040		-		24,769		-		24,769
	Loans, net		449,201		-		446,776		10,423		457,199
	Financial liabilities:
	Deposits		339,422		-		339,422		-		339,422
	Time deposits		94,798		-		96,404		-		96,404
	Other borrowings		41,852		-		43,238		-		43,238

STOCKHOLDERS_EQUITY_Tables

STOCKHOLDERS' EQUITY (Tables)	9 Months Ended
STOCKHOLDERS' EQUITY (Tables)	Sep. 30, 2013
STOCKHOLDERS' EQUITY [Abstract]	'
Schedule of Accumulated Other Comprehensive Income (Loss)	'
	The following summarizes the changes in the unrealized gains and losses on the available-for –sale securities component of accumulated other comprehensive income, net of tax for the periods indicated:

		Three Months Ended					Nine Months Ended
		September 30,					September 30,
		2013			2012		2013			2012
		(in thousands)
	Beginning balance	$	(103	)	$	35	$	35		$	139
	Other comprehensive income before reclassifications		(119	)		7		(257	)		2
	Amounts reclassified from accumulated other comprehensive income		-			-		-			(99	)
	Net current-period other comprehensive income		(119	)		7		(257	)		(97	)
	Ending Balance	$	(222	)	$	42	$	(222	)	$	42

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	9 Months Ended
EARNINGS PER SHARE (Tables)	Sep. 30, 2013
EARNINGS PER SHARE [Abstract]	'
Reconciliation of Basic and Diluted Earnings per Share	'
	The following table presents a reconciliation of basic earnings per share and diluted earnings per share:

		Three Months Ended				Nine Months Ended
		September 30,				September 30,
		2013		2012		2013		2012
		(dollars in thousands, except per share amounts)
	Net income	$	2,635	$	613	$	5,850	$	841
	Less: dividends and accretion on preferred stock		262		253		786		785
	Net income available to common stockholders	$	2,373	$	360	$	5,064	$	56
	Add: debenture interest expense and costs, net of income taxes		23		-		222		-
	Net income for diluted calculation of earnings per common share	$	2,396	$	360	$	5,286	$	56
	Weighted average number of common shares outstanding - basic		7,865		5,990		6,731		5,990
	Weighted average number of common shares outstanding - diluted		8,395		8,233		8,883		8,233
	Earnings per share:
	Basic	$	0.3	$	0.06	$	0.75	$	0.01
	Diluted	$	0.29	$	0.06	$	0.6	$	0.01

SUMMARY_OF_SIGNIFICANT_ACCOUNT2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
	Sep. 30, 2013	Sep. 30, 2012	Quarter	Sep. 30, 2012
Provision and Allowance for Loan Losses [Abstract]	'	'	'	'
Period of loss history used for determining the amount of allowance of loan losses (in quarters)	'	'	12	'
Threshold amount of loans for evaluation of impairment	'	'	$500,000	'
Income Taxes [Abstract]	'	'	'	'
Net income	2,635,000	613,000	5,850,000	841,000
Valuation allowance for deferred tax assets (released)	$1,400,000	'	$1,400,000	'
Consumer [Member]	'	'	'	'
Provision and Allowance for Loan Losses [Abstract]	'	'	'	'
Period of past due after which loan is considered as uncollectible	'	'	'120 days	'
Number of delinquent payments	'	'	5	'
Commercial, Commercial Real Estate and SBA Loans [Member]	'	'	'	'
Provision and Allowance for Loan Losses [Abstract]	'	'	'	'
Period of past due after which loan is considered as uncollectible	'	'	'90 days	'
Number of days for unsecured loans to be charged off	'	'	'90 days	'
Single Family Real Estate, HELOC's and Manufactured Loans [Member]	'	'	'	'
Provision and Allowance for Loan Losses [Abstract]	'	'	'	'
Period of past due after which loan is considered as uncollectible	'	'	'90 days	'
Single Family Real Estate, HELOC's and Manufactured Loans [Member] \| Minimum [Member]	'	'	'	'
Provision and Allowance for Loan Losses [Abstract]	'	'	'	'
Number of days for unsecured loans to be charged off	'	'	'90 days	'
Single Family Real Estate, HELOC's and Manufactured Loans [Member] \| Maximum [Member]	'	'	'	'
Provision and Allowance for Loan Losses [Abstract]	'	'	'	'
Number of days for unsecured loans to be charged off	'	'	'120 days	'

INVESTMENT_SECURITIES_Details

INVESTMENT SECURITIES (Details) (USD $)	9 Months Ended
INVESTMENT SECURITIES (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Securities available-for-sale [Abstract]	'	'	'
Amortized cost	$15,813,000	'	$11,944,000
Gross unrealized gains	17,000	'	70,000
Gross unrealized (losses)	-394,000	'	-10,000
Fair value	15,436,000	'	12,004,000
Securities held-to-maturity [Abstract]	'	'	'
Amortized cost	10,149,000	'	12,036,000
Gross unrealized gains	469,000	'	729,000
Gross unrealized losses	-18,000	'	0
Fair value	10,600,000	'	12,765,000
Available-for-sale and held to maturity securities disclosure [Abstract]	'	'	'
Securities pledged as collateral	25,600,000	'	24,000,000
Proceeds from sale of available-for-sale securities	0	4,137,000	'
Gain on sale of available-for-sale securities	0	121,000	'
Number of shares to be purchased to participate in program (in shares)	2,000	'	'
U.S. Government Agency [Member] \| MBS [Member]	'	'	'
Securities held-to-maturity [Abstract]	'	'	'
Amortized cost	10,149,000	'	12,036,000
Gross unrealized gains	469,000	'	729,000
Gross unrealized losses	-18,000	'	0
Fair value	10,600,000	'	12,765,000
U.S. Government Agency [Member] \| Notes [Member]	'	'	'
Securities available-for-sale [Abstract]	'	'	'
Amortized cost	5,994,000	'	1,998,000
Gross unrealized gains	0	'	0
Gross unrealized (losses)	-318,000	'	-10,000
Fair value	5,676,000	'	1,988,000
U.S. Government Agency [Member] \| MBS [Member]	'	'	'
Securities available-for-sale [Abstract]	'	'	'
Amortized cost	62,000	'	163,000
Gross unrealized gains	3,000	'	8,000
Gross unrealized (losses)	0	'	0
Fair value	65,000	'	171,000
U.S. Government Agency [Member] \| CMO [Member]	'	'	'
Securities available-for-sale [Abstract]	'	'	'
Amortized cost	9,691,000	'	9,783,000
Gross unrealized gains	13,000	'	62,000
Gross unrealized (losses)	-76,000	'	0
Fair value	9,628,000	'	9,845,000
Equity Securities [Member] \| Farmer Mac class A stock [Member]	'	'	'
Securities available-for-sale [Abstract]	'	'	'
Amortized cost	66,000	'	'
Gross unrealized gains	1,000	'	'
Gross unrealized (losses)	0	'	'
Fair value	$67,000	'	'

INVESTMENT_SECURITIES_Maturity

INVESTMENT SECURITIES, Maturity Periods and Weighted Average Yields (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Maturity periods and weighted average yields of investment securities available-for-sale [Abstract]	'	'
Less than One Year, Amount	$5,676	$4,913
Less than One Year, Yield (in hundredths)	1.20%	'
One to Five Years, Amount	2,427	6,920
One to Five Years, Yield (in hundredths)	0.70%	'
Five to Ten Years, Amount	4,420	171
Five to Ten Years, Yield (in hundredths)	0.60%	'
Over Ten Years, Amount	2,846	0
Over Ten Years, Yield (in hundredths)	0.80%	'
Total Amount	15,436	'
Total Yield (in hundredths)	0.90%	'
Maturity periods and weighted average yields of investment securities held-to-maturity [Abstract]	'	'
Less than One Year, Amount	0	'
Less than One Year, Yield (in hundredths)	0.00%	'
One to Five Years, Amount	2,366	'
One to Five Years, Yield (in hundredths)	4.70%	'
Five to Ten Years, Amount	7,783	'
Five to Ten Years, Yield (in hundredths)	2.70%	'
Over Ten Years, Amount	0	'
Over Ten Years, Yield (in hundredths)	0.00%	'
Total Amount	10,149	'
Total Yield (in hundredths)	3.20%	'
Securities available-for-sale, Amortized Cost [Abstract]	'	'
Due in one year or less	5,994	4,923
After one year through five years	2,418	6,858
After five years through ten years	4,425	163
After ten years	2,910	0
Total	15,813	11,944
Securities available for sale, Estimated Fair Value [Abstract]	'	'
Due in one year or less	5,676	4,913
After one year through five years	2,427	6,920
After five years through ten years	4,420	171
After ten years	2,846	0
Total	15,436	12,004
Securities held to maturity, Amortized Cost [Abstract]	'	'
Due in one year or less	0	0
After one year through five years	2,366	4,051
After five years through ten years	7,783	7,985
After ten years	0	0
Total	10,149	12,036
Securities held to maturity, Estimated Fair Value [Abstract]	'	'
Due in one year or less	0	0
After one year through five years	2,521	4,314
After five years through ten years	8,079	8,451
After ten years	0	0
Total	10,600	12,765
Farmer Mac class A stock [Member]	'	'
Securities available-for-sale, Amortized Cost [Abstract]	'	'
Total	66	0
Securities available for sale, Estimated Fair Value [Abstract]	'	'
Total	67	0
U.S. Government Agency [Member] \| MBS [Member]	'	'
Maturity periods and weighted average yields of investment securities held-to-maturity [Abstract]	'	'
Less than One Year, Amount	0	'
Less than One Year, Yield (in hundredths)	0.00%	'
One to Five Years, Amount	2,366	'
One to Five Years, Yield (in hundredths)	4.70%	'
Five to Ten Years, Amount	7,783	'
Five to Ten Years, Yield (in hundredths)	2.70%	'
Over Ten Years, Amount	0	'
Over Ten Years, Yield (in hundredths)	0.00%	'
Total Amount	10,149	'
Total Yield (in hundredths)	3.20%	'
Farmer Mac class A stock [Member]	'	'
Maturity periods and weighted average yields of investment securities available-for-sale [Abstract]	'	'
Less than One Year, Amount	0	'
Less than One Year, Yield (in hundredths)	0.00%	'
One to Five Years, Amount	0	'
One to Five Years, Yield (in hundredths)	0.00%	'
Five to Ten Years, Amount	0	'
Five to Ten Years, Yield (in hundredths)	0.00%	'
Over Ten Years, Amount	0	'
Over Ten Years, Yield (in hundredths)	0.00%	'
Total Amount	67	'
Total Yield (in hundredths)	0.00%	'
Securities available for sale, Estimated Fair Value [Abstract]	'	'
Due in one year or less	0	'
After one year through five years	0	'
After five years through ten years	0	'
After ten years	0	'
U.S. Government Agency [Member] \| Notes [Member]	'	'
Maturity periods and weighted average yields of investment securities available-for-sale [Abstract]	'	'
Less than One Year, Amount	5,676	'
Less than One Year, Yield (in hundredths)	1.20%	'
One to Five Years, Amount	0	'
One to Five Years, Yield (in hundredths)	0.00%	'
Five to Ten Years, Amount	0	'
Five to Ten Years, Yield (in hundredths)	0.00%	'
Over Ten Years, Amount	0	'
Over Ten Years, Yield (in hundredths)	0.00%	'
Total Amount	5,676	'
Total Yield (in hundredths)	1.20%	'
Securities available for sale, Estimated Fair Value [Abstract]	'	'
Due in one year or less	5,676	'
After one year through five years	0	'
After five years through ten years	0	'
After ten years	0	'
U.S. Government Agency [Member] \| MBS [Member]	'	'
Maturity periods and weighted average yields of investment securities available-for-sale [Abstract]	'	'
Less than One Year, Amount	0	'
Less than One Year, Yield (in hundredths)	0.00%	'
One to Five Years, Amount	0	'
One to Five Years, Yield (in hundredths)	0.00%	'
Five to Ten Years, Amount	65	'
Five to Ten Years, Yield (in hundredths)	2.20%	'
Over Ten Years, Amount	0	'
Over Ten Years, Yield (in hundredths)	0.00%	'
Total Amount	65	'
Total Yield (in hundredths)	2.20%	'
Securities available for sale, Estimated Fair Value [Abstract]	'	'
Due in one year or less	0	'
After one year through five years	0	'
After five years through ten years	65	'
After ten years	0	'
U.S. Government Agency [Member] \| CMO [Member]	'	'
Maturity periods and weighted average yields of investment securities available-for-sale [Abstract]	'	'
Less than One Year, Amount	0	'
Less than One Year, Yield (in hundredths)	0.00%	'
One to Five Years, Amount	2,427	'
One to Five Years, Yield (in hundredths)	0.70%	'
Five to Ten Years, Amount	4,355	'
Five to Ten Years, Yield (in hundredths)	0.50%	'
Over Ten Years, Amount	2,846	'
Over Ten Years, Yield (in hundredths)	0.80%	'
Total Amount	9,628	'
Total Yield (in hundredths)	0.70%	'
Securities available for sale, Estimated Fair Value [Abstract]	'	'
Due in one year or less	0	'
After one year through five years	2,427	'
After five years through ten years	4,355	'
After ten years	$2,846	'

INVESTMENT_SECURITIES_Unrealiz

INVESTMENT SECURITIES, Unrealized Loss Positions (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Security	Security
Securities available-for-sale, continuous unrealized loss position [Abstract]	'	'
Less than 12 months, Unrealized Losses	$394	$11
Less than 12 months, Fair Value	11,103	2,864
More than 12 months, Unrealized Losses	0	1
More than 12 months, Fair Value	0	411
Total, Unrealized Loss	394	12
Total, Fair Value	11,103	3,275
Securities held-to-maturity, continuous unrealized loss position [Abstract]	'	'
Less than 12 months, Unrealized Losses	18	'
Less than 12 months, Fair Value	1,080	'
More than 12 months, Unrealized Losses	0	'
More than 12 months, Fair Value	0	'
Total, Unrealized Loss	18	0
Total, Fair Value	1,080	'
Securities in unrealized loss positions	8	4
U.S. Government Agency [Member] \| MBS [Member]	'	'
Securities held-to-maturity, continuous unrealized loss position [Abstract]	'	'
Less than 12 months, Unrealized Losses	18	'
Less than 12 months, Fair Value	1,080	'
More than 12 months, Unrealized Losses	0	'
More than 12 months, Fair Value	0	'
Total, Unrealized Loss	18	0
Total, Fair Value	1,080	'
U.S. Government Agency [Member] \| Notes [Member]	'	'
Securities available-for-sale, continuous unrealized loss position [Abstract]	'	'
Less than 12 months, Unrealized Losses	318	10
Less than 12 months, Fair Value	5,676	1,988
More than 12 months, Unrealized Losses	0	0
More than 12 months, Fair Value	0	0
Total, Unrealized Loss	318	10
Total, Fair Value	5,676	1,988
U.S. Government Agency [Member] \| CMO [Member]	'	'
Securities available-for-sale, continuous unrealized loss position [Abstract]	'	'
Less than 12 months, Unrealized Losses	76	1
Less than 12 months, Fair Value	5,427	876
More than 12 months, Unrealized Losses	0	1
More than 12 months, Fair Value	0	411
Total, Unrealized Loss	76	2
Total, Fair Value	5,427	1,287
Equity Securities [Member] \| Farmer Mac class A stock [Member]	'	'
Securities available-for-sale, continuous unrealized loss position [Abstract]	'	'
Less than 12 months, Unrealized Losses	0	'
Less than 12 months, Fair Value	0	'
More than 12 months, Unrealized Losses	0	'
More than 12 months, Fair Value	0	'
Total, Unrealized Loss	0	'
Total, Fair Value	$0	'

LOAN_SALES_AND_SERVICING_SBA_L

LOAN SALES AND SERVICING, SBA Loans (Details) (USD $)	9 Months Ended
LOAN SALES AND SERVICING, SBA Loans (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Servicing liability	$32,000	$39,000
Loans included in loans held for sale	64,187,000	68,694,000
SBA [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Percentage of loan amount unguaranteed to be periodically sold to third part for cash premium, minimum (in hundredths)	5.00%	'
Percentage as required principal balance of each loan, minimum (in hundredths)	5.00%	'
Loans included in loans held for sale	48,900,000	55,700,000
Principal balance of loan serviced	29,400,000	32,700,000
US Department of Agriculture [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loans included in loans held for sale	14,200,000	4,800,000
Principal balance of loan serviced	$2,500,000	$2,500,000

LOAN_SALES_AND_SERVICING_Inter

LOAN SALES AND SERVICING, Interest Only Strips (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Interest only strips accounted for under fair value method [Roll Forward]	'	'	'	'
Beginning balance	$394	$456	$426	$419
Adjustment to fair value	-18	-5	-50	32
Ending balance	376	451	376	451
Interest only strips key data assumptions for fair value [Abstract]	'	'	'	'
Weighted-average constant prepayment rate (in hundredths)	'	'	5.17%	5.66%
Weighted-average life (in years)	'	'	'6 years	'6 years
Weighted-average discount rate (in hundredths)	'	'	12.74%	12.94%
Discount Rate [Abstract]	'	'	'	'
Increase in fair value from 100 basis points ("bps") decrease	11	13	11	13
Decrease in fair value from 100 bps increase	-10	-13	-10	-13
Constant prepayment rate [Abstract]	'	'	'	'
Increase in fair value from 10 percent decrease	5	7	5	7
Decrease in fair value from 10 percent increase	($5)	($7)	($5)	($7)

LOAN_SALES_AND_SERVICING_Servi

LOAN SALES AND SERVICING, Servicing Rights (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Servicing rights accounted for under the amortization method [Roll Forward]	'	'	'	'
Beginning balance	$326	$441	$383	$625
Amortization	-28	-29	-85	-213
Ending balance	298	412	298	412
Servicing rights accounted for under the fair value method [Roll Forward]	'	'	'	'
Beginning balance	304	253	348	0
Additions through loan sales	0	72	0	349
Adjustment to fair value	-4	8	-48	-16
Ending balance	300	333	300	333
Assumptions used in estimating the fair value of servicing rights [Abstract]	'	'	'	'
Weighted-average constant prepayment rate (in hundredths)	'	'	4.62%	5.19%
Weighted-average life (in years)	'	'	'9 years	'9 years
Weighted-average discount rate (in hundredths)	'	'	13.48%	13.93%
Discount Rate [Abstract]	'	'	'	'
Increase in fair value from 100 basis points ("bps") decrease	12	13	12	13
Decrease in fair value from 100 bps increase	-11	-13	-11	-13
Constant Prepayment Rate [Abstract]	'	'	'	'
Increase in fair value from 10 percent decrease	6	7	6	7
Decrease in fair value from 10 percent increase	($5)	($7)	($5)	($7)

LOAN_SALES_AND_SERVICING_Mortg

LOAN SALES AND SERVICING, Mortgage Loans (Details) (USD $)	9 Months Ended
In Millions, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
	Security	Dec. 31, 2012
Mortgage Loan Sales [Abstract]	'	'
Period for entity entered into mortgage loan rate lock commitments	'30 days	'
Number of commitments which create an economic hedge	2	'
Mortgage loan interest rate lock and forward sale commitments amount	$1.20	$15.80

LOANS_HELD_FOR_INVESTMENT_Deta

LOANS HELD FOR INVESTMENT (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Loans held for investment [Abstract]	'	'
Loan held for investment, gross	$387,175	$395,275
Allowance for loan losses	11,654	14,464
Deferred costs, net	-92	-128
Discount on SBA loans	355	432
Total loans held for investment, net	375,258	380,507
Manufactured Housing [Member]	'	'
Loans held for investment [Abstract]	'	'
Loan held for investment, gross	172,126	177,391
Commercial Real Estate [Member]	'	'
Loans held for investment [Abstract]	'	'
Loan held for investment, gross	132,034	126,677
Commercial [Member]	'	'
Loans held for investment [Abstract]	'	'
Loan held for investment, gross	31,453	32,496
SBA [Member]	'	'
Loans held for investment [Abstract]	'	'
Loan held for investment, gross	25,753	30,688
HELOC [Member]	'	'
Loans held for investment [Abstract]	'	'
Loan held for investment, gross	15,616	17,852
Single Family Real Estate [Member]	'	'
Loans held for investment [Abstract]	'	'
Loan held for investment, gross	10,007	9,939
Consumer [Member]	'	'
Loans held for investment [Abstract]	'	'
Loan held for investment, gross	$186	$232

LOANS_HELD_FOR_INVESTMENT_Fina

LOANS HELD FOR INVESTMENT, Financing Receivables Past Due (Details) (USD $)	Sep. 30, 2013		Dec. 31, 2012
Aging of loans held for investment [Abstract]	'		'
Current	$381,913,000		$386,305,000
30-59 days past due	242,000		1,252,000
60-89 days past due	3,560,000		258,000
Greater than 90 days past due	1,460,000		7,460,000
Total past due	5,262,000		8,970,000
Total loans held for investment	387,175,000		395,275,000
Recorded investment > 90 days and accruing	0		12,000
Manufactured Housing [Member]	'		'
Aging of loans held for investment [Abstract]	'		'
Current	171,923,000		176,249,000
30-59 days past due	144,000		467,000
60-89 days past due	59,000		258,000
Greater than 90 days past due	0		417,000
Total past due	203,000		1,142,000
Total loans held for investment	172,126,000		177,391,000
Recorded investment > 90 days and accruing	0		0
Commercial Real Estate [Member]	'		'
Aging of loans held for investment [Abstract]	'		'
Total loans held for investment	132,034,000		126,677,000
Commercial Real Estate [Member] \| Commercial Real Estate [Member]	'		'
Aging of loans held for investment [Abstract]	'		'
Current	84,191,000		81,682,000
30-59 days past due	0		0
60-89 days past due	0		0
Greater than 90 days past due	0		830,000
Total past due	0		830,000
Total loans held for investment	84,191,000		82,512,000
Recorded investment > 90 days and accruing	0		0
Commercial Real Estate [Member] \| SBA 504 1st trust deed [Member]	'		'
Aging of loans held for investment [Abstract]	'		'
Current	33,315,000		34,502,000
30-59 days past due	0		0
60-89 days past due	0		0
Greater than 90 days past due	490,000		0
Total past due	490,000		0
Total loans held for investment	33,805,000		34,502,000
Recorded investment > 90 days and accruing	0		0
Commercial Real Estate [Member] \| Land [Member]	'		'
Aging of loans held for investment [Abstract]	'		'
Current	1,972,000		4,556,000
30-59 days past due	0		0
60-89 days past due	0		0
Greater than 90 days past due	0		0
Total past due	0		0
Total loans held for investment	1,972,000		4,556,000
Recorded investment > 90 days and accruing	0		0
Commercial Real Estate [Member] \| Construction [Member]	'		'
Aging of loans held for investment [Abstract]	'		'
Current	12,066,000		5,107,000
30-59 days past due	0		0
60-89 days past due	0		0
Greater than 90 days past due	0		0
Total past due	0		0
Total loans held for investment	12,066,000		5,107,000
Recorded investment > 90 days and accruing	0		0
Commercial [Member]	'		'
Aging of loans held for investment [Abstract]	'		'
Current	27,952,000		32,324,000
30-59 days past due	0		40,000
60-89 days past due	3,501,000		0
Greater than 90 days past due	0		132,000
Total past due	3,501,000		172,000
Total loans held for investment	31,453,000		32,496,000
Recorded investment > 90 days and accruing	0		0
SBA [Member]	'		'
Aging of loans held for investment [Abstract]	'		'
Current	24,953,000	[1]	23,906,000	[2]
30-59 days past due	98,000	[1]	713,000	[2]
60-89 days past due	0	[1]	0	[2]
Greater than 90 days past due	702,000	[1]	6,069,000	[2]
Total past due	800,000	[1]	6,782,000	[2]
Total loans held for investment	25,753,000		30,688,000
Recorded investment > 90 days and accruing	0	[1]	0	[2]
SBA [Member] \| SBA Guaranteed Loans [Member]	'		'
Aging of loans held for investment [Abstract]	'		'
Total loans held for investment	8,144,000		10,314,000
Guaranteed past due loans	700,000		5,600,000
HELOC [Member]	'		'
Aging of loans held for investment [Abstract]	'		'
Current	15,616,000		17,852,000
30-59 days past due	0		0
60-89 days past due	0		0
Greater than 90 days past due	0		0
Total past due	0		0
Total loans held for investment	15,616,000		17,852,000
Recorded investment > 90 days and accruing	0		0
Single Family Real Estate [Member]	'		'
Aging of loans held for investment [Abstract]	'		'
Current	9,739,000		9,895,000
30-59 days past due	0		32,000
60-89 days past due	0		0
Greater than 90 days past due	268,000		12,000
Total past due	268,000		44,000
Total loans held for investment	10,007,000		9,939,000
Recorded investment > 90 days and accruing	0		12,000
Consumer [Member]	'		'
Aging of loans held for investment [Abstract]	'		'
Current	186,000		232,000
30-59 days past due	0		0
60-89 days past due	0		0
Greater than 90 days past due	0		0
Total past due	0		0
Total loans held for investment	186,000		232,000
Recorded investment > 90 days and accruing	$0		$0

[1]	$0.7 million of the $0.8 million SBA loans past due are guaranteed by the SBA.
[2]	$5.6 million of the $6.8 million SBA loans past due are guaranteed by the SBA.

LOANS_HELD_FOR_INVESTMENT_Allo

LOANS HELD FOR INVESTMENT, Allowance for Credit Losses by Portfolio Type (Details) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'	'	'
Beginning balance	$12,456,000	$15,446,000	$14,464,000	$15,270,000	'
Charge-offs	-692,000	-1,946,000	-1,959,000	-6,403,000	'
Recoveries	1,453,000	262,000	1,992,000	1,012,000	'
Net charge-offs	761,000	-1,684,000	33,000	-5,391,000	'
Provision	-1,563,000	1,293,000	-2,843,000	5,176,000	'
Ending balance	11,654,000	15,055,000	11,654,000	15,055,000	'
Reserve for credit losses on undisbursed loans	100,000	'	100,000	'	100,000
Manufactured Housing [Member]	'	'	'	'	'
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'	'	'
Beginning balance	5,691,000	5,187,000	5,945,000	4,629,000	'
Charge-offs	-379,000	-1,212,000	-1,088,000	-3,115,000	'
Recoveries	119,000	3,000	248,000	52,000	'
Net charge-offs	-260,000	-1,209,000	-840,000	-3,063,000	'
Provision	-80,000	2,022,000	246,000	4,434,000	'
Ending balance	5,351,000	6,000,000	5,351,000	6,000,000	'
Commercial Real Estate [Member]	'	'	'	'	'
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'	'	'
Beginning balance	2,654,000	3,175,000	2,627,000	3,528,000	'
Charge-offs	-157,000	-396,000	-161,000	-1,687,000	'
Recoveries	1,135,000	31,000	1,185,000	32,000	'
Net charge-offs	978,000	-365,000	1,024,000	-1,655,000	'
Provision	-1,266,000	151,000	-1,285,000	1,088,000	'
Ending balance	2,366,000	2,961,000	2,366,000	2,961,000	'
Commercial [Member]	'	'	'	'	'
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'	'	'
Beginning balance	1,529,000	3,064,000	2,325,000	2,734,000	'
Charge-offs	-32,000	0	-149,000	-656,000	'
Recoveries	45,000	81,000	154,000	118,000	'
Net charge-offs	13,000	81,000	5,000	-538,000	'
Provision	-365,000	-521,000	-1,153,000	428,000	'
Ending balance	1,177,000	2,624,000	1,177,000	2,624,000	'
SBA [Member]	'	'	'	'	'
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'	'	'
Beginning balance	2,073,000	3,148,000	2,733,000	3,877,000	'
Charge-offs	-76,000	-241,000	-355,000	-600,000	'
Recoveries	149,000	140,000	396,000	750,000	'
Net charge-offs	73,000	-101,000	41,000	150,000	'
Provision	132,000	-238,000	-496,000	-1,218,000	'
Ending balance	2,278,000	2,809,000	2,278,000	2,809,000	'
HELOC [Member]	'	'	'	'	'
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'	'	'
Beginning balance	311,000	671,000	634,000	349,000	'
Charge-offs	0	-74,000	-39,000	-76,000	'
Recoveries	1,000	0	2,000	50,000	'
Net charge-offs	1,000	-74,000	-37,000	-26,000	'
Provision	-32,000	-111,000	-317,000	163,000	'
Ending balance	280,000	486,000	280,000	486,000	'
Single Family Real Estate [Member]	'	'	'	'	'
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'	'	'
Beginning balance	197,000	199,000	198,000	150,000	'
Charge-offs	-48,000	-23,000	-136,000	-261,000	'
Recoveries	4,000	2,000	7,000	5,000	'
Net charge-offs	-44,000	-21,000	-129,000	-256,000	'
Provision	48,000	-5,000	132,000	279,000	'
Ending balance	201,000	173,000	201,000	173,000	'
Consumer [Member]	'	'	'	'	'
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'	'	'
Beginning balance	1,000	2,000	2,000	3,000	'
Charge-offs	0	0	-31,000	-8,000	'
Recoveries	0	5,000	0	5,000	'
Net charge-offs	0	5,000	-31,000	-3,000	'
Provision	0	-5,000	30,000	2,000	'
Ending balance	$1,000	$2,000	$1,000	$2,000	'

LOANS_HELD_FOR_INVESTMENT_Impa

LOANS HELD FOR INVESTMENT, Impaired Financing Receivables (Details) (USD $)	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011
Recorded Investment [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	$9,449	'	$12,163	'	'	'
Impaired loans with no allowance recorded	9,632	'	17,484	'	'	'
Total loans individually evaluated for impairment	19,081	'	29,647	'	'	'
Loans collectively evaluated for impairment	368,094	'	365,628	'	'	'
Total loans held for investment	387,175	'	395,275	'	'	'
Unpaid Principal Balance [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	15,216	'	14,809	'	'	'
Impaired loans with no allowance recorded	15,396	'	31,435	'	'	'
Total loans individually evaluated for impairment	30,612	'	46,244	'	'	'
Loans collectively evaluated for impairment	368,094	'	365,628	'	'	'
Total loans held for investment	398,706	'	411,872	'	'	'
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	1,202	'	1,794	'	'	'
Impaired loans with no allowance recorded	0	'	0	'	'	'
Total loans individually evaluated for impairment	1,202	'	1,794	'	'	'
Loans collectively evaluated for impairment	10,452	'	12,670	'	'	'
Total loans held for investment	11,654	12,456	14,464	15,055	15,446	15,270
Manufactured Housing [Member]	'	'	'	'	'	'
Recorded Investment [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	5,726	'	5,748	'	'	'
Impaired loans with no allowance recorded	3,023	'	4,687	'	'	'
Total loans individually evaluated for impairment	8,749	'	10,435	'	'	'
Loans collectively evaluated for impairment	163,377	'	166,956	'	'	'
Total loans held for investment	172,126	'	177,391	'	'	'
Unpaid Principal Balance [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	6,121	'	5,922	'	'	'
Impaired loans with no allowance recorded	4,900	'	6,828	'	'	'
Total loans individually evaluated for impairment	11,021	'	12,750	'	'	'
Loans collectively evaluated for impairment	163,377	'	166,956	'	'	'
Total loans held for investment	174,398	'	179,706	'	'	'
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	777	'	1,103	'	'	'
Impaired loans with no allowance recorded	0	'	0	'	'	'
Total loans individually evaluated for impairment	777	'	1,103	'	'	'
Loans collectively evaluated for impairment	4,574	'	4,842	'	'	'
Total loans held for investment	5,351	5,691	5,945	6,000	5,187	4,629
Commercial Real Estate [Member]	'	'	'	'	'	'
Recorded Investment [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	1,480	'	519	'	'	'
Impaired loans with no allowance recorded	1,970	'	11,389	'	'	'
Total loans individually evaluated for impairment	3,450	'	11,908	'	'	'
Loans collectively evaluated for impairment	128,584	'	114,769	'	'	'
Total loans held for investment	132,034	'	126,677	'	'	'
Unpaid Principal Balance [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	1,497	'	570	'	'	'
Impaired loans with no allowance recorded	3,974	'	17,624	'	'	'
Total loans individually evaluated for impairment	5,471	'	18,194	'	'	'
Loans collectively evaluated for impairment	128,584	'	114,769	'	'	'
Total loans held for investment	134,055	'	132,963	'	'	'
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	133	'	4	'	'	'
Impaired loans with no allowance recorded	0	'	0	'	'	'
Total loans individually evaluated for impairment	133	'	4	'	'	'
Loans collectively evaluated for impairment	2,233	'	2,623	'	'	'
Total loans held for investment	2,366	2,654	2,627	2,961	3,175	3,528
Commercial [Member]	'	'	'	'	'	'
Recorded Investment [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	471	'	5,044	'	'	'
Impaired loans with no allowance recorded	3,548	'	49	'	'	'
Total loans individually evaluated for impairment	4,019	'	5,093	'	'	'
Loans collectively evaluated for impairment	27,434	'	27,403	'	'	'
Total loans held for investment	31,453	'	32,496	'	'	'
Unpaid Principal Balance [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	813	'	5,430	'	'	'
Impaired loans with no allowance recorded	3,558	'	50	'	'	'
Total loans individually evaluated for impairment	4,371	'	5,480	'	'	'
Loans collectively evaluated for impairment	27,434	'	27,403	'	'	'
Total loans held for investment	31,805	'	32,883	'	'	'
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	68	'	569	'	'	'
Impaired loans with no allowance recorded	0	'	0	'	'	'
Total loans individually evaluated for impairment	68	'	569	'	'	'
Loans collectively evaluated for impairment	1,109	'	1,756	'	'	'
Total loans held for investment	1,177	1,529	2,325	2,624	3,064	2,734
SBA [Member]	'	'	'	'	'	'
Recorded Investment [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	1,471	'	503	'	'	'
Impaired loans with no allowance recorded	100	'	1,238	'	'	'
Total loans individually evaluated for impairment	1,571	'	1,741	'	'	'
Loans collectively evaluated for impairment	24,182	'	28,947	'	'	'
Total loans held for investment	25,753	'	30,688	'	'	'
Unpaid Principal Balance [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	6,477	'	2,536	'	'	'
Impaired loans with no allowance recorded	1,878	'	6,736	'	'	'
Total loans individually evaluated for impairment	8,355	'	9,272	'	'	'
Loans collectively evaluated for impairment	24,182	'	28,947	'	'	'
Total loans held for investment	32,537	'	38,219	'	'	'
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	190	'	58	'	'	'
Impaired loans with no allowance recorded	0	'	0	'	'	'
Total loans individually evaluated for impairment	190	'	58	'	'	'
Loans collectively evaluated for impairment	2,088	'	2,675	'	'	'
Total loans held for investment	2,278	2,073	2,733	2,809	3,148	3,877
HELOC [Member]	'	'	'	'	'	'
Recorded Investment [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	224	'	269	'	'	'
Impaired loans with no allowance recorded	298	'	0	'	'	'
Total loans individually evaluated for impairment	522	'	269	'	'	'
Loans collectively evaluated for impairment	15,094	'	17,583	'	'	'
Total loans held for investment	15,616	'	17,852	'	'	'
Unpaid Principal Balance [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	231	'	271	'	'	'
Impaired loans with no allowance recorded	300	'	0	'	'	'
Total loans individually evaluated for impairment	531	'	271	'	'	'
Loans collectively evaluated for impairment	15,094	'	17,583	'	'	'
Total loans held for investment	15,625	'	17,854	'	'	'
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	24	'	49	'	'	'
Impaired loans with no allowance recorded	0	'	0	'	'	'
Total loans individually evaluated for impairment	24	'	49	'	'	'
Loans collectively evaluated for impairment	256	'	585	'	'	'
Total loans held for investment	280	311	634	486	671	349
Single Family Real Estate [Member]	'	'	'	'	'	'
Recorded Investment [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	77	'	80	'	'	'
Impaired loans with no allowance recorded	693	'	121	'	'	'
Total loans individually evaluated for impairment	770	'	201	'	'	'
Loans collectively evaluated for impairment	9,237	'	9,738	'	'	'
Total loans held for investment	10,007	'	9,939	'	'	'
Unpaid Principal Balance [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	77	'	80	'	'	'
Impaired loans with no allowance recorded	786	'	197	'	'	'
Total loans individually evaluated for impairment	863	'	277	'	'	'
Loans collectively evaluated for impairment	9,237	'	9,738	'	'	'
Total loans held for investment	10,100	'	10,015	'	'	'
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	10	'	11	'	'	'
Impaired loans with no allowance recorded	0	'	0	'	'	'
Total loans individually evaluated for impairment	10	'	11	'	'	'
Loans collectively evaluated for impairment	191	'	187	'	'	'
Total loans held for investment	201	197	198	173	199	150
Consumer [Member]	'	'	'	'	'	'
Recorded Investment [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	0	'	0	'	'	'
Impaired loans with no allowance recorded	'	'	0	'	'	'
Total loans individually evaluated for impairment	0	'	0	'	'	'
Loans collectively evaluated for impairment	186	'	232	'	'	'
Total loans held for investment	186	'	232	'	'	'
Unpaid Principal Balance [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	0	'	0	'	'	'
Impaired loans with no allowance recorded	0	'	0	'	'	'
Total loans individually evaluated for impairment	0	'	0	'	'	'
Loans collectively evaluated for impairment	186	'	232	'	'	'
Total loans held for investment	186	'	232	'	'	'
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]	'	'	'	'	'	'
Impaired loans with an allowance recorded	'	'	0	'	'	'
Impaired loans with no allowance recorded	0	'	0	'	'	'
Total loans individually evaluated for impairment	0	'	0	'	'	'
Loans collectively evaluated for impairment	1	'	2	'	'	'
Total loans held for investment	$1	$1	$2	$2	$2	$3

LOANS_HELD_FOR_INVESTMENT_Impa1

LOANS HELD FOR INVESTMENT, Impaired Loans by Class of Loans (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Impaired Loans By Class Of Loans [Abstract]	'	'
Impaired loans	$19,081	$29,647
Manufactured Housing [Member]	'	'
Impaired Loans By Class Of Loans [Abstract]	'	'
Impaired loans	8,749	10,435
Commercial Real Estate [Member] \| Commercial Real Estate [Member]	'	'
Impaired Loans By Class Of Loans [Abstract]	'	'
Impaired loans	2,681	10,615
Commercial Real Estate [Member] \| SBA 504 1st trust deed [Member]	'	'
Impaired Loans By Class Of Loans [Abstract]	'	'
Impaired loans	769	1,293
Commercial Real Estate [Member] \| Land [Member]	'	'
Impaired Loans By Class Of Loans [Abstract]	'	'
Impaired loans	0	0
Commercial Real Estate [Member] \| Construction [Member]	'	'
Impaired Loans By Class Of Loans [Abstract]	'	'
Impaired loans	0	0
Commercial [Member]	'	'
Impaired Loans By Class Of Loans [Abstract]	'	'
Impaired loans	4,019	5,093
SBA [Member]	'	'
Impaired Loans By Class Of Loans [Abstract]	'	'
Impaired loans	1,571	1,741
HELOC [Member]	'	'
Impaired Loans By Class Of Loans [Abstract]	'	'
Impaired loans	522	269
Single Family Real Estate [Member]	'	'
Impaired Loans By Class Of Loans [Abstract]	'	'
Impaired loans	770	201
Consumer [Member]	'	'
Impaired Loans By Class Of Loans [Abstract]	'	'
Impaired loans	$0	$0

LOANS_HELD_FOR_INVESTMENT_Aver

LOANS HELD FOR INVESTMENT, Average Investment in Impaired Loans by Class (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Average recorded investment and interest income recognized [Abstract]	'	'	'	'
Average investment in impaired loans	$24,077	$40,454	$25,594	$45,278
Interest income	279	374	661	1,135
Manufactured Housing [Member]	'	'	'	'
Average recorded investment and interest income recognized [Abstract]	'	'	'	'
Average investment in impaired loans	9,454	11,050	9,528	7,782
Interest income	85	110	182	214
Commercial Real Estate [Member] \| Commercial Real Estate [Member]	'	'	'	'
Average recorded investment and interest income recognized [Abstract]	'	'	'	'
Average investment in impaired loans	7,811	16,399	8,875	19,071
Interest income	10	99	94	315
Commercial Real Estate [Member] \| SBA 504 1st trust deed [Member]	'	'	'	'
Average recorded investment and interest income recognized [Abstract]	'	'	'	'
Average investment in impaired loans	1,089	2,042	1,163	4,496
Interest income	4	16	28	116
Commercial Real Estate [Member] \| Land [Member]	'	'	'	'
Average recorded investment and interest income recognized [Abstract]	'	'	'	'
Average investment in impaired loans	0	0	0	0
Interest income	0	0	0	0
Commercial Real Estate [Member] \| Construction [Member]	'	'	'	'
Average recorded investment and interest income recognized [Abstract]	'	'	'	'
Average investment in impaired loans	0	3,189	0	5,937
Interest income	0	0	0	108
Commercial [Member]	'	'	'	'
Average recorded investment and interest income recognized [Abstract]	'	'	'	'
Average investment in impaired loans	2,789	5,442	3,831	5,591
Interest income	142	70	208	235
SBA [Member]	'	'	'	'
Average recorded investment and interest income recognized [Abstract]	'	'	'	'
Average investment in impaired loans	1,790	1,696	1,432	1,796
Interest income	34	69	136	130
HELOC [Member]	'	'	'	'
Average recorded investment and interest income recognized [Abstract]	'	'	'	'
Average investment in impaired loans	397	383	313	248
Interest income	3	7	3	7
Single Family Real Estate [Member]	'	'	'	'
Average recorded investment and interest income recognized [Abstract]	'	'	'	'
Average investment in impaired loans	747	251	452	350
Interest income	1	3	10	10
Consumer [Member]	'	'	'	'
Average recorded investment and interest income recognized [Abstract]	'	'	'	'
Average investment in impaired loans	0	2	0	7
Interest income	$0	$0	$0	$0

LOANS_HELD_FOR_INVESTMENT_Reco

LOANS HELD FOR INVESTMENT, Recorded Investment in Certain Types of Loans (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Financing receivable recorded investment [Abstract]	'	'
Nonaccrual loans	$21,055	$29,643
SBA guaranteed portion of loans included above	-5,778	-7,218
Nonaccrual loans, net	15,277	22,425
Troubled debt restructured loans, gross	12,288	19,931
Loans 30 through 89 days past due with interest accruing	$74	$521
Allowance for loan losses to gross loans held for investment (in hundredths)	3.01%	3.66%

LOANS_HELD_FOR_INVESTMENT_Nona

LOANS HELD FOR INVESTMENT, Nonaccrual Loans, Net of SBA Guarantee (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'
Nonaccrual loans, net	$15,277	$22,425
Manufactured Housing [Member]	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'
Nonaccrual loans, net	5,327	7,542
Commercial Real Estate [Member] \| Commercial Real Estate [Member]	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'
Nonaccrual loans, net	2,681	10,615
Commercial Real Estate [Member] \| SBA 504 1st trust deed [Member]	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'
Nonaccrual loans, net	490	490
Commercial Real Estate [Member] \| Land [Member]	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'
Nonaccrual loans, net	0	0
Commercial Real Estate [Member] \| Construction [Member]	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'
Nonaccrual loans, net	0	0
Commercial [Member]	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'
Nonaccrual loans, net	4,019	1,945
SBA [Member]	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'
Nonaccrual loans, net	1,545	1,442
HELOC [Member]	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'
Nonaccrual loans, net	522	269
Single Family Real Estate [Member]	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'
Nonaccrual loans, net	693	121
Consumer [Member]	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'
Nonaccrual loans, net	$0	$1

LOANS_HELD_FOR_INVESTMENT_Cred

LOANS HELD FOR INVESTMENT, Credit Quality Indicators (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment, net	$379,031	$384,961
Total loans held for investment	387,175	395,275
Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment, net	334,006	330,489
Total loans held for investment	334,006	330,489
Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment, net	9,227	10,995
Total loans held for investment	9,227	10,995
Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment, net	35,755	43,352
Total loans held for investment	43,079	50,903
Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment, net	43	125
Total loans held for investment	863	2,888
Manufactured Housing [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	172,126	177,391
Manufactured Housing [Member] \| Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	159,086	164,269
Manufactured Housing [Member] \| Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	0	0
Manufactured Housing [Member] \| Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	13,040	13,122
Manufactured Housing [Member] \| Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	0	0
Commercial Real Estate [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	132,034	126,677
Commercial Real Estate [Member] \| Commercial real estate [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	84,191	82,512
Commercial Real Estate [Member] \| Commercial real estate [Member] \| Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	72,511	63,793
Commercial Real Estate [Member] \| Commercial real estate [Member] \| Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	4,301	6,478
Commercial Real Estate [Member] \| Commercial real estate [Member] \| Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	7,379	12,241
Commercial Real Estate [Member] \| Commercial real estate [Member] \| Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	0	0
Commercial Real Estate [Member] \| SBA 504 1st trust deed [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	33,805	34,502
Commercial Real Estate [Member] \| SBA 504 1st trust deed [Member] \| Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	32,205	31,385
Commercial Real Estate [Member] \| SBA 504 1st trust deed [Member] \| Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	253	1,461
Commercial Real Estate [Member] \| SBA 504 1st trust deed [Member] \| Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	1,347	1,656
Commercial Real Estate [Member] \| SBA 504 1st trust deed [Member] \| Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	0	0
Commercial Real Estate [Member] \| Land [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	1,972	4,556
Commercial Real Estate [Member] \| Land [Member] \| Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	1,149	3,333
Commercial Real Estate [Member] \| Land [Member] \| Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	823	300
Commercial Real Estate [Member] \| Land [Member] \| Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	0	923
Commercial Real Estate [Member] \| Land [Member] \| Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	0	0
Commercial Real Estate [Member] \| Construction [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	12,066	5,107
Commercial Real Estate [Member] \| Construction [Member] \| Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	12,066	5,107
Commercial Real Estate [Member] \| Construction [Member] \| Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	0	0
Commercial Real Estate [Member] \| Construction [Member] \| Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	0	0
Commercial Real Estate [Member] \| Construction [Member] \| Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	0	0
Commercial [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	31,453	32,496
Commercial [Member] \| Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	25,583	27,015
Commercial [Member] \| Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	672	997
Commercial [Member] \| Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	5,169	4,413
Commercial [Member] \| Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	29	71
SBA [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	25,753	30,688
SBA [Member] \| Non-guaranteed [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	17,609	20,374
SBA [Member] \| Non-guaranteed [Member] \| Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	15,193	16,302
SBA [Member] \| Non-guaranteed [Member] \| Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	59	1,514
SBA [Member] \| Non-guaranteed [Member] \| Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	2,343	2,504
SBA [Member] \| Non-guaranteed [Member] \| Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	14	54
SBA [Member] \| SBA Guaranteed Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	8,144	10,314
SBA [Member] \| SBA Guaranteed Loans [Member] \| Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	0	0
SBA [Member] \| SBA Guaranteed Loans [Member] \| Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	0	0
SBA [Member] \| SBA Guaranteed Loans [Member] \| Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	7,324	7,551
SBA [Member] \| SBA Guaranteed Loans [Member] \| Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	820	2,763
HELOC [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	15,616	17,852
HELOC [Member] \| Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	6,963	9,432
HELOC [Member] \| Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	3,119	245
HELOC [Member] \| Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	5,534	8,175
HELOC [Member] \| Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	0	0
Single Family Real Estate [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	10,007	9,939
Single Family Real Estate [Member] \| Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	9,064	9,622
Single Family Real Estate [Member] \| Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	0	0
Single Family Real Estate [Member] \| Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	943	317
Single Family Real Estate [Member] \| Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	0	0
Consumer [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	186	232
Consumer [Member] \| Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	186	231
Consumer [Member] \| Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	0	0
Consumer [Member] \| Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	0	1
Consumer [Member] \| Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	$0	$0

LOANS_HELD_FOR_INVESTMENT_Trou

LOANS HELD FOR INVESTMENT, Troubled Debt Restructuring (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Troubled debt restructurings (TDR) [Abstract]	'	'	'	'
Balance	$3,913	$1,837	$6,305	$13,961
Effect on Allowance for Loan Loss	248	388	499	1,692
Balance of Loans with Rate Reduction	411	0	591	3,440
Average Rate Reduction (in hundredths)	200.00%	0.00%	163.00%	320.00%
Balance of Loan with Term Extension	3,913	1,837	6,305	13,961
Average extension	'65 months	'161 months	'96 months	'144 months
Manufactured Housing [Member]	'	'	'	'
Troubled debt restructurings (TDR) [Abstract]	'	'	'	'
Balance	265	1,474	1,405	5,715
Effect on Allowance for Loan Loss	15	341	170	888
Balance of Loans with Rate Reduction	265	0	444	294
Average Rate Reduction (in hundredths)	225.00%	0.00%	171.00%	325.00%
Balance of Loan with Term Extension	265	1,474	1,405	5,715
Average extension	'112 months	'171 months	'135 months	'159 months
Commercial Real Estate [Member]	'	'	'	'
Troubled debt restructurings (TDR) [Abstract]	'	'	'	'
Balance	0	0	655	3,590
Effect on Allowance for Loan Loss	0	0	45	292
Balance of Loans with Rate Reduction	0	0	0	0
Average Rate Reduction (in hundredths)	0.00%	0.00%	0.00%	0.00%
Balance of Loan with Term Extension	0	0	655	3,590
Average extension	'0 months	'0 months	'8 months	'56 months
Construction [Member]	'	'	'	'
Troubled debt restructurings (TDR) [Abstract]	'	'	'	'
Balance	0	0	0	3,147
Effect on Allowance for Loan Loss	0	0	0	315
Balance of Loans with Rate Reduction	0	0	0	3,146
Average Rate Reduction (in hundredths)	0.00%	0.00%	0.00%	300.00%
Balance of Loan with Term Extension	0	0	0	3,147
Average extension	'0 months	'0 months	'0 months	'15 months
Commercial [Member]	'	'	'	'
Troubled debt restructurings (TDR) [Abstract]	'	'	'	'
Balance	3,501	289	4,011	1,021
Effect on Allowance for Loan Loss	221	30	256	139
Balance of Loans with Rate Reduction	0	0	0	0
Average Rate Reduction (in hundredths)	0.00%	0.00%	0.00%	0.00%
Balance of Loan with Term Extension	3,501	289	4,011	1,021
Average extension	'31 months	'49 months	'41 months	'55 months
SBA [Member]	'	'	'	'
Troubled debt restructurings (TDR) [Abstract]	'	'	'	'
Balance	0	74	87	411
Effect on Allowance for Loan Loss	0	17	16	56
Balance of Loans with Rate Reduction	0	0	0	0
Average Rate Reduction (in hundredths)	0.00%	0.00%	0.00%	0.00%
Balance of Loan with Term Extension	0	74	87	411
Average extension	'0 months	'103 months	'4 months	'78 months
HELOC [Member]	'	'	'	'
Troubled debt restructurings (TDR) [Abstract]	'	'	'	'
Balance	0	0	0	0
Effect on Allowance for Loan Loss	0	0	0	0
Balance of Loans with Rate Reduction	0	0	0	0
Average Rate Reduction (in hundredths)	0.00%	0.00%	0.00%	0.00%
Balance of Loan with Term Extension	0	0	0	0
Average extension	'0 months	'0 months	'0 months	'0 months
Single Family Real Estate [Member]	'	'	'	'
Troubled debt restructurings (TDR) [Abstract]	'	'	'	'
Balance	147	0	147	77
Effect on Allowance for Loan Loss	12	0	12	2
Balance of Loans with Rate Reduction	146	0	147	0
Average Rate Reduction (in hundredths)	100.00%	0.00%	100.00%	0.00%
Balance of Loan with Term Extension	$147	$0	$147	$77
Average extension	'12 months	'0 months	'12 months	'4 months

LOANS_HELD_FOR_INVESTMENT_Trou1

LOANS HELD FOR INVESTMENT, Troubled Debt Restructured Loans With Payment Defaults (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
	Loan	Loan	Nonpayment	Loan
			Loan
Troubled debt restructured loans with payment defaults	'	'	'	'
Balance	$0	$124	$375	$365
Effect on Allowance for Loan Loss	0	4	9	4
Number of Loans	0	3	5	5
Number of consecutive nonpayments for a TDR loan to be deemed default	'	'	2	'
Manufactured Housing [Member]	'	'	'	'
Troubled debt restructured loans with payment defaults	'	'	'	'
Balance	0	124	375	124
Effect on Allowance for Loan Loss	0	4	9	4
Number of Loans	0	3	5	3
SBA 504 1st TD [Member]	'	'	'	'
Troubled debt restructured loans with payment defaults	'	'	'	'
Balance	'	'	0	173
Effect on Allowance for Loan Loss	'	'	0	0
Number of Loans	'	'	0	1
SBA [Member]	'	'	'	'
Troubled debt restructured loans with payment defaults	'	'	'	'
Balance	'	'	0	68
Effect on Allowance for Loan Loss	'	'	$0	$0
Number of Loans	'	'	0	1

FAIR_VALUE_MEASUREMENT_Details

FAIR VALUE MEASUREMENT (Details) (USD $)	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011
Assets	'	'	'	'	'	'
Investment securities available-for-sale	$15,436	'	$12,004	'	'	'
Servicing assets	300	304	348	333	253	0
Recurring [Member]	'	'	'	'	'	'
Assets	'	'	'	'	'	'
Investment securities available-for-sale	15,436	'	12,004	'	'	'
Interest only strips (included in other assets)	376	'	426	'	'	'
Servicing assets	300	'	348	'	'	'
Total	16,112	'	12,778	'	'	'
Non-recurring [Member]	'	'	'	'	'	'
Assets	'	'	'	'	'	'
Total	90,259	'	102,256	'	'	'
Quoted prices in active markets for identical assets (Level 1) [Member] \| Recurring [Member]	'	'	'	'	'	'
Assets	'	'	'	'	'	'
Investment securities available-for-sale	67	'	0	'	'	'
Interest only strips (included in other assets)	0	'	0	'	'	'
Servicing assets	0	'	0	'	'	'
Total	67	'	0	'	'	'
Quoted prices in active markets for identical assets (Level 1) [Member] \| Non-recurring [Member]	'	'	'	'	'	'
Assets	'	'	'	'	'	'
Total	0	'	0	'	'	'
Significant other observable inputs (Level 2) [Member] \| Recurring [Member]	'	'	'	'	'	'
Assets	'	'	'	'	'	'
Investment securities available-for-sale	15,369	'	12,004	'	'	'
Interest only strips (included in other assets)	0	'	0	'	'	'
Servicing assets	0	'	0	'	'	'
Total	15,369	'	12,004	'	'	'
Significant other observable inputs (Level 2) [Member] \| Non-recurring [Member]	'	'	'	'	'	'
Assets	'	'	'	'	'	'
Total	82,012	'	91,833	'	'	'
Significant unobservable inputs (Level 3) [Member] \| Recurring [Member]	'	'	'	'	'	'
Assets	'	'	'	'	'	'
Investment securities available-for-sale	0	'	0	'	'	'
Interest only strips (included in other assets)	376	'	426	'	'	'
Servicing assets	300	'	348	'	'	'
Total	676	'	774	'	'	'
Significant unobservable inputs (Level 3) [Member] \| Non-recurring [Member]	'	'	'	'	'	'
Assets	'	'	'	'	'	'
Total	$8,247	'	$10,423	'	'	'

FAIR_VALUE_MEASUREMENT_Assets_

FAIR VALUE MEASUREMENT, Assets Measured on Non-recurring Basis (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]	'	'
Impaired loans	$19,081	$29,647
Foreclosed real estate and repossessed assets	3,975	1,889
Loans held-for-sale at carrying value	64,187	68,694
Recurring [Member]	'	'
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]	'	'
Total	16,112	12,778
Non-recurring [Member]	'	'
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]	'	'
Impaired loans	17,879	27,853
Loans held for sale	68,405	72,514
Foreclosed real estate and repossessed assets	3,975	1,889
Total	90,259	102,256
Quoted prices in active markets for identical assets (Level 1) [Member] \| Recurring [Member]	'	'
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]	'	'
Total	67	0
Quoted prices in active markets for identical assets (Level 1) [Member] \| Non-recurring [Member]	'	'
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]	'	'
Impaired loans	0	0
Loans held for sale	0	0
Foreclosed real estate and repossessed assets	0	0
Total	0	0
Significant other observable inputs (Level 2) [Member] \| Recurring [Member]	'	'
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]	'	'
Total	15,369	12,004
Significant other observable inputs (Level 2) [Member] \| Non-recurring [Member]	'	'
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]	'	'
Impaired loans	9,632	17,430
Loans held for sale	68,405	72,514
Foreclosed real estate and repossessed assets	3,975	1,889
Total	82,012	91,833
Significant unobservable inputs (Level 3) [Member] \| Recurring [Member]	'	'
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]	'	'
Total	676	774
Significant unobservable inputs (Level 3) [Member] \| Non-recurring [Member]	'	'
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]	'	'
Impaired loans	8,247	10,423
Loans held for sale	0	0
Foreclosed real estate and repossessed assets	0	0
Total	$8,247	$10,423

FAIR_VALUE_MEASUREMENT_Fair_Va

FAIR VALUE MEASUREMENT, Fair Value of Financial Instruments (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Financial assets [Abstract]	'	'
Interest-bearing deposits in other financial institutions	$3,282	$3,653
Carrying Amount [Member]	'	'
Financial assets [Abstract]	'	'
Cash and cash equivalents	42,570	27,891
Interest-bearing deposits in other financial institutions	3,282	3,653
FRB and FHLB stock	3,654	4,656
Investment securities	25,585	24,040
Loans, net	439,445	449,201
Financial liabilities [Abstract]	'	'
Deposits	325,616	339,422
Time deposits	105,475	94,798
Other borrowings	35,442	41,852
Fair Value [Member]	'	'
Financial assets [Abstract]	'	'
Cash and cash equivalents	42,570	27,891
Interest-bearing deposits in other financial institutions	3,282	3,653
FRB and FHLB stock	3,654	4,656
Investment securities	26,036	24,769
Loans, net	450,413	457,199
Financial liabilities [Abstract]	'	'
Deposits	325,616	339,422
Time deposits	105,764	96,404
Other borrowings	36,206	43,238
Level 1 [Member]	'	'
Financial assets [Abstract]	'	'
Cash and cash equivalents	42,570	27,891
Interest-bearing deposits in other financial institutions	3,282	3,653
FRB and FHLB stock	0	0
Investment securities	67	0
Loans, net	0	0
Financial liabilities [Abstract]	'	'
Deposits	0	0
Time deposits	0	0
Other borrowings	0	0
Level 2 [Member]	'	'
Financial assets [Abstract]	'	'
Cash and cash equivalents	0	0
Interest-bearing deposits in other financial institutions	0	0
FRB and FHLB stock	3,654	4,656
Investment securities	25,969	24,769
Loans, net	442,166	446,776
Financial liabilities [Abstract]	'	'
Deposits	325,616	339,422
Time deposits	105,764	96,404
Other borrowings	36,206	43,238
Level 3 [Member]	'	'
Financial assets [Abstract]	'	'
Cash and cash equivalents	0	0
Interest-bearing deposits in other financial institutions	0	0
Investment securities	0	0
Loans, net	8,247	10,423
Financial liabilities [Abstract]	'	'
Deposits	0	0
Time deposits	0	0
Other borrowings	$0	$0

BORROWINGS_Details

BORROWINGS (Details) (USD $)

3 Months Ended

9 Months Ended

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2013

Sep. 30, 2012

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Aug. 09, 2010

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Convertible Subordinated Debentures [Member]

Securities Pledged as Collateral [Member]

Loan Pledge as Collateral [Member]

Federal Reserve Bank Advances [Member]

Between July 2, 2013 and July 1, 2016 [Member]

July 2, 2016 until maturity or redemption [Member]

Federal Home Loan Bank Advances [Abstract]

FHLB advances

$34,000,000

FHLB advances borrowed weighted average rate (in hundredths)

2.89%

Securities pledged to FHLB with carrying value

25,600,000

24,000,000

25,600,000

24,000,000

23,800,000

25,500,000

Available for additional borrowing

69,200,000

65,800,000

Total FHLB interest expense

300,000

700,000

900,000

Federal Reserve Bank [Abstract]

Number of days advances collateralized by eligible loans

'28 days

Outstanding FRB advances

Borrowing capacity

123,700,000

66,300,000

Debt Instrument [Line Items]

Principle amount, (original)

8,100,000

Interest rate on convertible debenture (in hundredths)

9.00%

Conversion price of convertible debentures (in dollars per share)

$4.50

Principal amount converted to equity

6,400,000

Interest amount converted to equity

100,000

Balance of convertible debentures

$1,442,000

$7,852,000

$1,400,000

$7,900,000

STOCKHOLDERS_EQUITY_Details

STOCKHOLDERS' EQUITY (Details) (USD $)	9 Months Ended	0 Months Ended	9 Months Ended			3 Months Ended		9 Months Ended
	Sep. 30, 2013	Jun. 04, 2013	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
	Sep. 30, 2013	Series A Preferred Stock [Member]	Series A Preferred Stock [Member]	Series A Preferred Stock [Member]	Common Stock [Member]	Comprehensive Income [Member]	Comprehensive Income [Member]	Comprehensive Income [Member]	Comprehensive Income [Member]
Increase (Decrease) in Stockholders' Equity [Roll Forward]	'	'	'	'	'	'	'	'	'
Beginning balance	$53,049,000	'	'	'	'	($103,000)	$35,000	$35,000	$139,000
Other comprehensive income before reclassifications	'	'	'	'	'	-119,000	7,000	-257,000	2,000
Amounts reclassified from accumulated other comprehensive income	'	'	'	'	'	0	0	0	-99,000
Net current-period other comprehensive income	'	'	'	'	'	-119,000	7,000	-257,000	-97,000
Ending balance	64,648,000	'	'	'	'	-222,000	42,000	-222,000	42,000
Preferred stock dividend rate for first five years (in hundredths)	'	'	5.00%	'	'	'	'	'	'
Preferred stock dividend rate after first five years (in hundredths)	'	'	9.00%	'	'	'	'	'	'
Number of shares purchased by directors (in shares)	'	1,100,000	'	'	'	'	'	'	'
Dividends declared	-585,000	'	600,000	600,000	'	'	'	'	'
Accretion of discount	0	'	200,000	200,000	'	'	'	'	'
Number of quarters dividend default, minimum	'	'	6	'	'	'	'	'	'
Dividends accrued	'	'	$1,200,000	'	'	'	'	'	'
Number of shares can be issued against warrants (in shares)	'	'	'	'	521,158	'	'	'	'
Exercise price of warrants (in dollars per shares)	'	'	'	'	$4.49	'	'	'	'
Term of warrants	'	'	'	'	'10 years	'	'	'	'

EARNINGS_PER_SHARE_Details

EARNINGS PER SHARE (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Reconciliation of basic and diluted earnings per share [Abstract]	'	'	'	'
Net income (loss)	$2,635	$613	$5,850	$841
Less: dividends and accretion on preferred stock	262	253	786	785
Net income (loss) available to common stockholders	2,373	360	5,064	56
Add: debenture interest expense and costs, net of income taxes	23	0	222	0
Net income for diluted calculation of earnings per common share	$2,396	$360	$5,286	$56
Weighted average number of common shares outstanding - basic (in shares)	7,865	5,990	6,731	5,990
Weighted average number of common shares outstanding - diluted (in shares)	8,395	8,233	8,883	8,233
Earnings (loss) per share [Abstract]	'	'	'	'
Basic (in dollars per share)	$0.30	$0.06	$0.75	$0.01
Diluted (in dollars per share)	$0.29	$0.06	$0.60	$0.01