Community West Bancshares (CWBC) 10-K 17 Mar 14 2013 FY Annual report Financial data

Document_and_Entity_Informatio

Document and Entity Information (USD $)	12 Months Ended
	Dec. 31, 2013	Mar. 04, 2014	Jun. 30, 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 Public Float	'	'	$21,888,169
Entity Common Stock, Shares Outstanding	'	8,179,591	'
Document Fiscal Year Focus	'2013	'	'
Document Fiscal Period Focus	'FY	'	'
Document Type	'10-K	'	'
Amendment Flag	'false	'	'
Document Period End Date	31-Dec-13	'	'

CONSOLIDATED_BALANCE_SHEETS

CONSOLIDATED BALANCE SHEETS (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Assets:	'	'
Cash and due from banks	$1,449	$1,103
Federal funds sold	23	25
Interest-earning demand in other financial institutions	18,006	26,763
Cash and cash equivalents	19,478	27,891
Money market investments	99	3,653
Investment securities - available-for-sale, at fair value; amortized cost of $18,937 at December 31, 2013 and $11,944 at December 31, 2012	18,472	12,004
Investment securities - held-to-maturity, at amortized cost; fair value of $10,101 at December 31, 2013 and $12,765 at December 31, 2012	9,688	12,036
Federal Home Loan Bank stock, at cost	1,870	3,283
Federal Reserve Bank stock, at cost	1,373	1,373
Loans:	'	'
Held for sale, at lower of cost or fair value	64,399	68,694
Held for investment, net of allowance for loan losses of $12,208 at December 31, 2013 and $14,464 at December 31, 2012	397,606	380,507
Total loans	462,005	449,201
Other assets acquired through foreclosure, net	3,811	1,889
Premises and equipment, net	2,983	3,068
Other assets	19,221	17,703
Total assets	539,000	532,101
Deposits:	'	'
Non-interest-bearing demand	52,461	53,605
Interest-bearing demand	258,445	269,466
Savings	16,158	16,351
Certificates of deposit	109,071	94,798
Total deposits	436,135	434,220
Other borrowings	30,000	34,000
Convertible debentures	1,442	7,852
Other liabilities	3,867	2,980
Total liabilities	471,444	479,052
Stockholders equity:	'	'
Preferred stock - no par value, 10,000,000 shares authorized; 15,600 shares issued and outstanding at December 31, 2013 and December 31, 2012	15,600	15,341
Common stock - no par value, 20,000,000 shares authorized; 7,866,783 shares issued and outstanding at December 31, 2013 and 5,994,510 at December 31, 2012	40,165	33,555
Retained earnings	12,065	4,118
Accumulated other comprehensive (loss) income, net	-274	35
Total stockholders' equity	67,556	53,049
Total liabilities and stockholders' equity	$539,000	$532,101

CONSOLIDATED_BALANCE_SHEETS_Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, except Share data, unless otherwise specified
Assets:	'	'
Investment securities available-for-sale, amortized cost	$18,937	$11,944
Investment securities held-to-maturity, fair value	10,101	12,765
Loans:	'	'
Held for investment, allowance for loan losses	$12,208	$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)	7,866,783	5,994,510
Common stock, shares outstanding (in shares)	7,866,783	5,994,510

CONSOLIDATED_INCOME_STATEMENTS

CONSOLIDATED INCOME STATEMENTS (USD $)	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Interest income:	'	'	'
Loans, including fees	$27,071	$30,490	$35,435
Investment securities and other	795	878	1,107
Total interest income	27,866	31,368	36,542
Interest expense:	'	'	'
Deposits	2,916	4,130	5,951
Other borrowings and convertible debt	1,416	1,819	2,299
Total interest expense	4,332	5,949	8,250
Net interest expense	23,534	25,419	28,292
Provision for credit losses	-1,944	4,281	14,591
Net interest income after provision for credit losses	25,478	21,138	13,701
Non-interest expenses:	'	'	'
Other loan fees	1,033	1,124	1,380
Gains from loan sales, net	361	1,660	370
Document processing fees	463	407	418
Service charges	318	410	505
Loan servicing, net	198	268	300
Gains from sales of securities	0	121	0
Other	458	291	238
Total non-interest income	2,831	4,281	3,211
Non-interest expenses	'	'	'
Salaries and employee benefits	12,842	11,552	11,816
Occupancy expense, net	1,814	1,829	1,969
Loan servicing and collection	1,444	1,492	1,538
Professional services	1,219	1,484	1,058
FDIC assessment	1,046	1,342	957
Data processing	549	533	529
Advertising and marketing	512	367	395
Depreciation	300	306	374
Net loss on sales/write-downs of foreclosed real estate and repossessed assets	388	1,161	2,630
Other	2,021	2,180	2,054
Total non-interest expenses	22,135	22,246	23,320
Income before provision for income taxes	6,174	3,173	-6,408
Income taxes	-2,812	0	4,077
Net income	8,986	3,173	-10,485
Dividends and accretion on preferred stock	1,039	1,046	1,047
Net income available to common stockholders	$7,947	$2,127	($11,532)
Earnings per share:	'	'	'
Basic (in dollars per share)	$1.13	$0.36	($1.93)
Diluted (in dollars per share)	$0.98	$0.31	($1.93)
Weighted average number of common shares outstanding:	'	'	'
Basic (in shares)	7,017	5,990	5,980
Diluted (in shares)	8,390	8,233	5,980
Dividends declared per common share (in dollars per share)	$0	$0	$0

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) [Abstract]	'	'	'
Net income (loss)	$8,986	$3,173	($10,485)
Other comprehensive loss, net:	'	'	'
Unrealized loss on securities available-for-sale (AFS), net (tax effect of $216, $4, $26 for each respective period presented)	-309	-5	-40
Realized gain on sale of securities AFS included in income, net (tax effect of $0, $22, $0 for each respective period presented)	0	-99	0
Net other comprehensive loss	-309	-104	-40
Comprehensive income (loss)	$8,677	$3,069	($10,525)

CONSOLIDATED_STATEMENTS_OF_COM1

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (Parenthetical) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Other comprehensive loss, net:	'	'	'
Unrealized loss on securities, Tax	$216	$4	$26
Realized gain on sale of available-for-sale, Tax	$0	$22	$0

CONSOLIDATED_STATEMENTS_OF_STO

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (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
Balances at Dec. 31, 2010	$14,807	$33,133	$179	$13,523	$61,642
Balances (in shares) at Dec. 31, 2010	16,000	5,916,000	'	'	'
Increase (Decrease) in Stockholders' Equity [Roll Forward]	'	'	'	'	'
Net income	'	'	'	-10,485	-10,485
Exercise of stock options	'	25	'	'	25
Exercise of stock options (in shares)	'	8,000	'	'	'
Conversion of debentures	'	231	'	'	231
Conversion of debentures (in shares)	'	66,000	'	'	'
Stock option expense	'	33	'	'	33
Dividends on preferred stock	'	'	'	-780	-780
Accretion of discount on preferred stock	267	'	'	-267	'
Other comprehensive loss, net	'	'	-40	'	-40
Balances at Dec. 31, 2011	15,074	33,422	139	1,991	50,626
Balances (in shares) at Dec. 31, 2011	16,000	5,990,000	'	'	'
Increase (Decrease) in Stockholders' Equity [Roll Forward]	'	'	'	'	'
Net income	'	'	'	3,173	3,173
Exercise of stock options	'	16	'	'	16
Exercise of stock options (in shares)	'	5,000	'	'	'
Stock option expense	'	117	'	'	117
Dividends on preferred stock	'	'	'	-779	-779
Accretion of discount on preferred stock	267	'	'	-267	'
Other comprehensive loss, net	'	'	-104	'	-104
Balances at Dec. 31, 2012	15,341	33,555	35	4,118	53,049
Balances (in shares) at Dec. 31, 2012	16,000	5,995,000	'	'	5,994,510
Increase (Decrease) in Stockholders' Equity [Roll Forward]	'	'	'	'	'
Net income	'	'	'	8,986	8,986
Exercise of stock options	'	24	'	'	24
Exercise of stock options (in shares)	'	7,000	'	'	'
Conversion of debentures	'	6,527	'	'	6,527
Conversion of debentures (in shares)	'	1,865,000	'	'	'
Stock option expense	'	59	'	'	59
Dividends on preferred stock	'	'	'	-780	-780
Accretion of discount on preferred stock	259	'	'	-259	'
Other comprehensive loss, net	'	'	-309	'	-309
Balances at Dec. 31, 2013	$15,600	$40,165	($274)	$12,065	$67,556
Balances (in shares) at Dec. 31, 2013	16,000	7,867,000	'	'	7,866,783

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Cash flows from operating activities:	'	'	'
Net income	$8,986	$3,173	($10,485)
Adjustments to reconcile net income to net cash provided by operating activities:	'	'	'
Provision	-1,944	4,281	14,591
Depreciation	300	306	374
Stock-based compensation	59	117	33
Deferred income taxes	1,123	-98	5,625
Net accretion of discounts and premiums for investment securities	-8	-17	-60
(Gains)/Losses on:	'	'	'
Sales of investment securities, AFS	0	-121	0
Sale of repossessed assets, net	388	1,161	2,630
Sale of loans, net	-361	-1,660	-370
Loans originated for sale and principal collections, net	4,656	-4,752	1,920
Changes in:	'	'	'
Other assets	-2,588	8,117	-4,957
Other liabilities	224	-316	-1,418
Servicing rights, net	163	-106	157
Net cash provided by operating activities	10,998	10,085	8,040
Cash flows from investing activities:	'	'	'
Proceeds from held for investment loan sales	6,215	0	0
Proceeds from sale of available-for-sale securities	0	4,137	0
Principal pay downs and maturities of available-for-sale securities	4,890	9,439	9,029
Purchase of available-for-sale securities	-11,854	-1,998	-9,269
Proceeds from principal pay downs and maturities of securities held-to-maturity	2,327	3,264	2,934
Purchase of held-to-maturity securities	0	0	-1,388
Loan originations and principal collections, net	-27,454	78,317	24,334
Liquidation of restricted stock, net	1,413	901	796
Net increase (decrease) in interest-bearing deposits in other financial institutions	3,554	-3,413	50
Purchase of premises and equipment, net	-215	-284	-549
Proceeds from sale of other real estate owned and repossessed assets, net	3,774	8,985	4,862
Net cash (used in) provided by investing activities	-17,350	99,348	30,799
Cash flows from financing activities:	'	'	'
Net increase (decrease) in deposits	1,915	-77,042	-18,631
Net decrease in borrowings	-4,000	-27,000	-3,000
Exercise of stock options	24	16	25
Cash dividends paid on preferred stock	0	-195	-780
Net cash used in financing activities	-2,061	-104,221	-22,386
Net (decrease) increase in cash and cash equivalents	-8,413	5,212	16,453
Cash and cash equivalents at beginning of year	27,891	22,679	6,226
Cash and cash equivalents at end of year	19,478	27,891	22,679
Cash paid during the period for:	'	'	'
Interest	4,567	6,103	8,319
Income taxes	1,181	910	1,941
Non-cash investing and financing activity:	'	'	'
Transfers to other assets acquired through foreclosure, net	6,084	7,329	7,417
Preferred stock dividends declared, not paid	780	584	0
Conversion of debentures	$6,410	$0	$229

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 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.
	Reclassifications
	Certain amounts in the consolidated financial statements as of and for the years ended December 31, 2012 and 2011 have been reclassified to conform to the current presentation.  The reclassifications have no effect on net income or stockholders’ equity as previously reported.
	Business Segments
	Reportable business segments are determined using the “management approach” and are intended to present reportable segments consistent with how the chief operating decision maker organizes segments within the company for making operating decisions and assessing performance.  As of December 31, 2013 and 2012, the Company had only one reportable business segment.
	Cash and Cash Equivalents
	For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks (including cash items in process of clearing), and federal funds sold.  Cash flows from loans originated by the Company and deposits are reported net.
	The Company maintains amounts due from banks, which at times may exceed federally insured limits.  The Company has not experienced any losses in such accounts.
	Cash Reserve Requirement
	Depository institutions are required by law to maintain reserves against their transaction deposits.  The reserves must be held in cash or with the Federal Reserve Bank (“FRB”).  The amount of the reserve varies by bank as the bank is permitted to meet this requirement by maintaining the specified amount as an average balance over a two-week period.  The total of reserve balances was approximately $0.7 million as of December 31, 2013.  There were no reserve balance requirements at December 31, 2012.
	Investment Securities
	Investment securities may be classified as held-to-maturity (“HTM”), available-for-sale (“AFS”) or trading.  The appropriate classification is initially decided at the time of purchase.  Securities classified as held-to-maturity are those debt securities the Company has both the intent and ability to hold to maturity regardless of changes in market conditions, liquidity needs or general economic conditions.  These securities are carried at amortized cost. The sale of a security within three months of its maturity date or after the majority of the principal outstanding has been collected is considered a maturity for purposes of classification and disclosure.
	Securities classified as AFS or trading are reported as an asset on the Consolidated Balance Sheets at their estimated fair value.  As the fair value of AFS securities changes, the changes are reported net of income tax as an element of other comprehensive income (“OCI”), except for impaired securities.  When AFS securities are sold, the unrealized gain or loss is reclassified from OCI to non-interest income.  The changes in the fair values of trading securities are reported in non-interest income.  Securities classified as AFS are debt securities the Company intends to hold for an indefinite period of time, but not necessarily to maturity.  Any decision to sell a security classified as AFS would be based on various factors, including significant movements in interest rates, changes in the maturity mix of the Company’s assets and liabilities, liquidity needs, decline in credit quality, and regulatory capital considerations.  The Company does not currently have any investment securities classified as trading.
	Interest income is recognized based on the coupon rate and increased by accretion of discounts earned or decreased by the amortization of premiums paid over the contractual life of the security using the interest method.  For mortgage-backed securities, estimates of prepayments are considered in the constant yield calculations.
	In estimating whether there are any other than temporary impairment losses, management considers 1) the length of time and the extent to which the fair value has been less than amortized cost, 2) the financial condition and near term prospects of the issuer, 3) the impact of changes in market interest rates, and 4) the intent and ability of the Company to retain its investment for a period of time sufficient to allow for any anticipated recovery in fair value and it is not more likely than not the Company would be required to sell the security.
	Declines in the fair value of individual debt securities available for sale that are deemed to be other than temporary are reflected in earnings when identified.  The fair value of the debt security then becomes the new cost basis.  For individual debt securities where the Company does not intend to sell the security and it is not more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis, the other than temporary decline in fair value of the debt security related to 1) credit loss is recognized in earnings, and 2) market or other factors is recognized in other comprehensive income or loss.  Credit loss is recorded if the present value of cash flows is less than amortized cost.
	For individual debt securities where the Company intends to sell the security or more likely than not will not recover all of its amortized cost, the other than temporary impairment is recognized in earnings equal to the entire difference between the securities cost basis and its fair value at the balance sheet date.  For individual debt securities for which a credit loss has been recognized in earnings, interest accruals and amortization and accretion of premiums and discounts are suspended when the credit loss is recognized.  Interest received after accruals have been suspended is recognized on a cash basis.
	Federal Home Loan Bank (“FHLB”) and Federal Reserve Bank (“FRB”) Stock
	The Company’s subsidiary bank is a member of the Federal Home Loan Bank (“FHLB”) system and maintains an investment in capital stock of the FHLB.  The bank also maintains an investment in FRB stock.  These investments are considered equity securities with no actively traded market.  These investments are carried at cost, which is equal to the value at which they may be redeemed.  The dividend income received from the stock is reported in interest income.  We conduct a periodic review and evaluation of our FHLB stock to determine if any impairment exists.
	Servicing Rights
	The guaranteed portion of certain Small Business Administration (“SBA”) loans can be sold into the secondary market.  Servicing rights are recognized as separate assets when loans are sold with servicing retained.  Servicing rights are amortized in proportion to, and over the period of, estimated future net servicing income.  The Company uses industry prepayment statistics and its own prepayment experience in estimating the expected life of the loans.  Management evaluates its servicing rights for impairment quarterly.  Servicing rights are evaluated for impairment based upon the fair value of the rights as compared to amortized cost.  Fair value is determined using discounted future cash flows calculated on a loan-by-loan basis and aggregated by predominate risk characteristics.  The initial servicing rights and resulting gain on sale are calculated based on the difference between the best actual par and premium bids on an individual loan basis.
	Loans Held For Sale
	Loans which are originated and intended for sale in the secondary market are carried at the lower of cost or estimated fair value determined on an aggregate basis.  Valuation adjustments, if any are recognized through a valuation allowance by charges to lower of cost or market provision.  Loans held for sale are mostly comprised of SBA and single family residential loans.  The Company did not incur any lower of cost or fair value provision in the years ended December 31, 2013, 2012 and 2011.
	Loans Held for Investment and Interest and Fees from Loans
	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.
	Interest income on loans is accrued daily using the effective interest method and recognized over the terms of the loans.  Loan fees collected for the origination of loans less direct loan origination costs (net deferred loan fees) are amortized over the contractual life of the loan through interest income.  If the loan has scheduled payments, the amortization of the net deferred loan fee is calculated using the interest method over the contractual life of the loan.  If the loan does not have scheduled payments, such as a line of credit, the net deferred loan fee is recognized as interest income on a straight-line basis over the contractual life of the loan commitment.  Commitment fees based on a percentage of a customer’s unused line of credit and fees related to standby letters of credit are recognized over the commitment period.
	When loans are repaid, any remaining unamortized balances of unearned fees, deferred fees and costs and premiums and discounts paid on purchased loans are accounted for though interest income.
	Nonaccrual loans:  For all loan types, when a borrower discontinues making payments as contractually required by the note, the Company must determine whether it is appropriate to continue to accrue interest.  Generally, the Company places loans in a nonaccrual status and ceases recognizing interest income when the loan has become delinquent by more than 90 days or when Management determines that the full repayment of principal and collection of interest is unlikely.  The Company may decide to continue to accrue interest on certain loans more than 90 days delinquent if they are well secured by collateral and in the process of collection.  Other personal loans are typically charged off no later than 180 days delinquent.
	For all loan types, when a loan is placed on nonaccrual status, all interest accrued but uncollected is reversed against interest income in the period in which the status is changed.  Subsequent payments received from the customer are applied to principal and no further interest income is recognized until the principal has been paid in full or until circumstances have changed such that payments are again consistently received as contractually required.  The Company occasionally recognizes income on a cash basis for non-accrual loans in which the collection of the remaining principal balance is not in doubt.
	Impaired loans:  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.
	Troubled debt restructured loan (“TDR”): A TDR is a loan on which the Company, for reasons related to the borrower’s financial difficulties, grants a concession to the borrower that the Company would not otherwise consider. These concessions included 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 predominately term extensions.  A TDR loan is also considered impaired.  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.
	Allowance for Loan Losses and Provision for Credit 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 impairment.  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, HELOCs 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 ALL 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 ALL 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 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
Off Balance Sheet and Credit Exposure
In the ordinary course of business, the Company has entered into off-balance sheet financial instruments consisting of commitments to extend credit and standby letters of credit.  Such financial instruments are recorded in the consolidated financial statements when they are funded.  They involve, to varying degrees, elements of credit risk in excess of amounts recognized in the consolidated balance sheets.  Losses would be experienced when the Company is contractually obligated to make a payment under these instruments and must seek repayment from the borrower, which may not be as financially sound in the current period as they were when the commitment was originally made.  Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract.  Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee.  The Company enters into credit arrangements that generally provide for the termination of advances in the event of a covenant violation or other event of default.  Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements.  The Company evaluates each customer’s creditworthiness on a case-by-case basis.  The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the party.  The commitments are collateralized by the same types of assets used as loan collateral.
As with outstanding loans, the Company applies qualitative factors and utilization rates to its off-balance sheet obligations in determining an estimate of losses inherent in these contractual obligations.  The estimate for loan losses on off-balance sheet instruments is included within other liabilities and the charge to income that establishes this liability is include in non-interest expense.
Premises and Equipment
Premises and equipment are stated at cost, less accumulated depreciation and amortization.  Depreciation is computed using the straight-line method over the estimated useful lives of the assets.  Leasehold improvements are amortized over the terms of the leases or the estimated useful lives of the improvements, whichever is shorter.  Generally, the estimated useful lives of other items of premises and equipment are as follows:
		Years
Building and improvements			31.5
Furniture and equipment			5 – 10
Electronic equipment and software			3 – 5
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.  Any interest or penalties assessed by the taxing authorities is classified in the financial statements as income tax expense.  Deferred tax assets are included in other assets on the consolidated balance sheets.
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.
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.
Bank Owned Life Insurance
Bank owned life insurance is stated at its cash surrender value with changes recorded in other non-interest income in the consolidated statements of operations.  The cash surrender value of the underlying policies was $3.1 million and $1.1 million as of December 31, 2013 and 2012, respectively.  There are no loans offset against cash surrender values, and there are no restrictions as to the use of proceeds.
Preferred Stock
The Company’s Series A Preferred Stock paid cumulative dividends at a rate of 5% per year until February 15, 2014 then increased to a rate of 9% per year thereafter.  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.
Fair Value of Financial Instruments
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 establishes a three-level valuation hierarchy for disclosure of fair value measurement and enhances disclosure requirements for fair value measurements.  The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date.  The Company uses various valuation approaches, including market, income and/or cost approaches. 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 our own 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 December 31, 2013 or 2012.  The estimated fair value amounts for December 31, 2013 and 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.
The information on page 87 in Note 15, “Fair Value Measurement,” 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 methods and assumptions were used by the Company in estimating the fair value of its financial instruments:
Cash and cash equivalents
The carrying amounts reported in the consolidated balance sheets for cash and due from banks approximate their fair value.
Money market investments
The carrying amounts reported in the consolidated balance sheets for money market investments approximate their fair value.
Investment securities
The fair value of Farmer Mac class A stock is based on quoted market prices and are categorized as Level 1 of the fair value hierarchy.
The fair value of other investment securities were determined based on matrix pricing.  Matrix pricing is a mathematical technique that utilizes observable market inputs including, for example, yield curves, credit ratings and prepayment speeds.  Fair values determined using matrix pricing are generally categorized as Level 2 in the fair value hierarchy.
FRB and FHLB stock
CWB is a member of the FHLB system and maintains an investment in capital stock of the FHLB.  CWB also maintain an investment in FRB stock.  These investments are carried at cost since no ready market exists for them, and they have 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.
Loans
Fair value for loans is estimated based on discounted cash flows using interest rates currently being offered for loans with similar terms to borrowers with similar credit quality with adjustments that the Company believes a market participant would consider in determining fair value based on a third party independent valuation.  As a result, the fair value for loans disclosed in Note 15, “Fair Value Measurement,” is categorized as Level 2 in the fair value hierarchy.
Deposit liabilities
The fair value disclosed for demand and savings deposits is by definition equal to the amount payable on demand at their reporting date (that is, their carrying amount) which the Company believes a market participant would consider in determining fair value.  The carrying amount for variable-rate deposit accounts approximates their fair value.  Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on these deposits.  The fair value measurement of the deposit liabilities disclosed in Note 15, “Fair Value Measurement,” is categorized as Level 2 in the fair value hierarchy.
Federal Home Loan Bank and Federal Reserve advances and other borrowings
The fair values of the Company’s borrowings are estimated using discounted cash flow analyses, based on the market rates for similar types of borrowing arrangements.  The other borrowings have been categorized as Level 3 in the fair value hierarchy.  The FHLB and FRB advances have been categorized as Level 2 in the fair value hierarchy.
Off-balance sheet instruments
Fair values for the Company’s off-balance sheet instruments (lending commitments and standby letters of credit) are based on quoted fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties’ credit standing.
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 was effective for the Company on January 1, 2014 and was not to be applied prospectively, although early adoption and retrospective adoption were permitted.  The adoption of this standard did not have a material impact on the Company’s consolidated financial statements.
In January 2014, the FASB issued guidance within ASU 2014-04, “Receivables - Troubled Debt Restructurings by Creditors: Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.”  The amendments in ASU 2014-04, Subtopic 310-40, Receivables -Troubled Debt Restructurings by Creditors, clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure, or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement.  Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction.   ASC 2014-04 are effective for the Company using either a modified retrospective transition method or a prospective transition method for reporting periods beginning after December 15, 2014.  The adoption of this standard is not expected to have a material impact on the Company’s consolidated financial statements.

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	12 Months Ended
	Dec. 31, 2013
INVESTMENT SECURITIES [Abstract]	'
INVESTMENT SECURITIES	'
	2.  INVESTMENT SECURITIES
	The amortized cost and estimated fair value of investment securities are as follows:
		31-Dec-13
				Gross			Gross
		Amortized		Unrealized			Unrealized			Fair
		Cost		Gains			(Losses)			Value
	Securities available-for-sale	(in thousands)
	U.S. government agency notes	$	7,867	$	-		$	(389	)	$	7,478
	U.S. government agency mortgage backed securities ("MBS")		61		3			-			64
	U.S. government agency collateralized mortgage obligations ("CMO")		10,943		11			(93	)		10,861
	Equity securities: Farmer Mac class A stock		66		3			-			69
	Total	$	18,937	$	17		$	(482	)	$	18,472
	Securities held-to-maturity
	U.S. government agency MBS	$	9,688	$	442		$	(29	)	$	10,101
	Total	$	9,688	$	442		$	(29	)	$	10,101
		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 December 31, 2013 and 2012, $28.0 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.  In 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 December 31, 2013 and 2012 were as follows:
		31-Dec-13
		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	$	7,478		1.9	%	$	-			-		$	-		-		$	-		-		$	7,478		1.9	%
	U.S. government agency MBS		-		-			-			-			64		2.2	%		-		-			64		2.2	%
	U.S. government agency CMO		-		-			5,075			0.6	%		3,854		0.6	%		1,932		0.9	%		10,861		0.7	%
	Farmer Mac class A stock		-		-			-			-			-		-			-		-			69		-
	Total	$	7,478		1.9	%	$	5,075			0.6	%	$	3,918		0.6	%	$	1,932		0.9	%	$	18,472		1.2	%
	Securities held-to-maturity
	U.S. government agency MBS	$	-		-		$	2,641			4.4	%	$	7,047		2.7	%	$	-		-		$	9,688		3.1	%
	Total	$	-		-		$	2,641			4.4	%	$	7,047		2.7	%	$	-		-		$	9,688		3.1	%
		31-Dec-12
		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	$	1,988		1	%	$	-			-		$	-		-		$	-		-		$	1,988		1	%
	U.S. government agency MBS		-		-			-			-			171		2.7	%		-		-			171		2.7	%
	U.S. government agency CMO		2,925		1.1	%		6,920			0.7	%		-		-			-		-			9,845		0.8	%
	Total	$	4,913		1	%	$	6,920			0.7	%	$	171		2.7	%	$	-		-		$	12,004		0.9	%
	Securities held-to-maturity
	U.S. government agency MBS	$	-		-		$	4,051			4.4	%	$	7,985		2.9	%	$	-		-		$	12,036		3.4	%
	Total	$	-		-		$	4,051			4.4	%	$	7,985		2.9	%	$	-		-		$	12,036		3.4	%
	The amortized cost and fair value of securities as of December 31, 2013 and 2012, by contractual maturities, are shown below:
		December 31,
		2013					2012
		Amortized		Estimated			Amortized			Estimated
		Cost		Fair Value			Cost			Fair Value
	Securities available for sale	(in thousands)
	Due in one year or less	$	7,867	$	7,478		$	4,923		$	4,913
	After one year through five years		5,070		5,075			6,858			6,920
	After five years through ten years		3,945		3,918			163			171
After ten years		1,989		1,932			-			-
Farmer Mac class A stock		66		69			-			-
	$	18,937	$	18,472		$	11,944		$	12,004
Securities held to maturity
Due in one year or less	$	-	$	-		$	-		$	-
After one year through five years		2,641		2,815			4,051			4,314
After five years through ten years		7,047		7,286			7,985			8,451
After ten years		-		-			-			-
	$	9,688	$	10,101		$	12,036		$	12,765
Actual maturities may differ from contractual maturities as borrowers or issuers have the right to prepay or call the investment securities.  Changes in interest rates may also impact prepayments.
The following tables show all securities that are in an unrealized loss position:
	31-Dec-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	$	389	$	7,478		$	-		$	-		$	389	$	7,478
U.S. government agency CMO		93		6,958		$	-		$	-			93		6,958
Equity securities: Farmer Mac class A stock		-		-			-			-			-		-
	$	482	$	14,436		$	-		$	-		$	482	$	14,436
Securities held-to-maturity
U.S. Government-agency MBS	$	29	$	1,063		$	-		$	-		$	29	$	1,063
Total	$	29	$	1,063		$	-		$	-		$	29	$	1,063
	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 December 31, 2013 and 2012, there were nine 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 December 31, 2013 and 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	12 Months Ended
	Dec. 31, 2013
LOAN SALES AND SERVICING [Abstract]	'
LOAN SALES AND SERVICING	'
	3.  LOAN SALES AND SERVICING
	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 elected to use the amortizing method for the treatment of servicing assets and 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 in 2012, the Company recorded a servicing asset and 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 December 31, 2013 and 2012, total servicing liability was $30,000 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 December 31, 2013 and 2012, the Company had approximately $47.6 million and $55.7 million, respectively, of SBA loans included in loans held for sale.  As of December 31, 2013 and 2012, the principal balance of SBA loans serviced for others was $30.7 million and $39.7 million, respectively.
	The Company previously 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 2012, the Company sold $2.5 million in USDA loans and recorded the related servicing asset at fair value.  There have been no loan sales of this type in 2013.
	As of December 31, 2013 and 2012, the Company had $16.8 million and $4.8 million of USDA loans included in loans held for sale, respectively. As of December 31, 2013 and 2012, the principal balance of USDA loans serviced for others was $2.5 million.
	The following table presents the I/O strips activity as of the periods presented:
		Year Ended December 31,
		2013			2012			2011
		(in thousands)
	Beginning balance	$	426		$	419		$	492
	Adjustment to fair value		(92	)		7			(73	)
	Ending balance	$	334		$	426		$	419
	The fair value adjustments on the I/O strips are recorded in non-interest income.
	The key data assumptions used in estimating the fair value of the I/O strips as of the periods presented were as follows:
		December 31,
		2013			2012
	Weighted-average constant prepayment rate		5.24	%		5.13	%
	Weighted-average life (in years)		6			6
	Weighted-average discount rate		12.89	%		12.61	%
	A sensitivity analysis of the fair value of the I/O strips to changes in certain key assumptions is presented in the following table:
		December 31,
		2013			2012
		( in thousands)
	Discount Rate
	Increase in fair value from 100 basis point decrease	$	9		$	13
	Decrease in fair value from 100 basis point increase		(9	)		(12	)
	Constant Prepayment Rate
	Increase in fair value from 10 percent decrease		5			6
	Decrease in fair value from 10 percent increase		(5	)		(6	)
	The following is a summary of the activity for servicing rights accounted for under the amortization method:
		Year Ended December 31,
		2013			2012			2011
		(in thousands)
	Beginning balance	$	383		$	625		$	782
	Amortization		(115	)		(242	)		(157	)
	Ending balance	$	268		$	383		$	625
	The amortization on the servicing rights has been recorded in non-interest income.
	The following is a summary of the activity for servicing rights accounted for under the fair value method:
		Year Ended December 31,
		2013			2012			2011
		(in thousands)
	Beginning balance	$	348		$	-		$	-
	Additions through loan sales		-			349			-
	Adjustment to fair value		(48	)		(1	)		-
	Ending balance	$	300		$	348		$	-
	The fair value adjustments on the servicing rights have been recorded in non-interest income.
	The key data and assumptions used in estimating the fair value of servicing rights as of the periods presented were as follows:
		December 31,
		2013			2012
	Weighted-average constant prepayment rate		5.04	%		4.56	%
	Weighted-average life (in years)		9			9
	Weighted-average discount rate		12.93	%		13.51	%
	A sensitivity analysis of the fair value of servicing rights to change in certain key assumptions is presented in the following table:
		December 31,
		2013			2012
		( in thousands)
	Discount Rate
	Increase in fair value from 100 basis points decrease	$	12		$	15
	Decrease in fair value from 100 basis points increase		(12	)		(14	)
	Constant Prepayment Rate
Increase in fair value from 10 percent decrease		6			6
Decrease in fair value from 10 percent increase		(6	)		(6	)
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.
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 December 31, 2012, the Company had $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.  The Company had no commitments of this nature at December 31, 2013.

LOANS_HELD_FOR_INVESTMENT

LOANS HELD FOR INVESTMENT	12 Months Ended
	Dec. 31, 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:
			December 31,
			2013			2012
			(in thousands)
	Manufactured housing		$	172,055		$	177,391
	Commercial real estate			142,678			126,677
	Commercial			45,647			32,496
	SBA			24,066			30,688
	HELOC			15,418			17,852
	Single family real estate			10,150			9,939
	Consumer			184			232
				410,198			395,275
	Allowance for loan losses			12,208			14,464
	Deferred costs, net			45			(128	)
	Discount on SBA loans			339			432
	Total loans held for investment, net		$	397,606		$	380,507
	The following tables present the contractual aging of the recorded investment in past due held for investment loans by class of loans and excluding deferred fees and cost and discount on SBA loans:
			31-Dec-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		$	170,647		$	1,076		$	135		$	197		$	1,408		$	172,055		$	-
	Commercial real estate:
	Commercial real estate			96,393			-			-			-			-			96,393			-
	SBA 504 1st trust deed			33,798			-			-			467			467			34,265			-
	Land			1,817			140			-			-			140			1,957			-
	Construction			10,063			-			-			-			-			10,063			-
	Commercial			45,605			42			-			-			42			45,647			-
	SBA (1)			23,613			149			-			304			453			24,066			-
	HELOC			15,393			25			-			-			25			15,418			-
	Single family real estate			10,084			-			-			66			66			10,150			66
	Consumer			184			-			-			-			-			184			-
	Total		$	407,597		$	1,432		$	135		$	1,034		$	2,601		$	410,198		$	66
		-1	$0.4 million of the $0.5 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 Loan Losses
	The following table summarizes the changes in the allowance for loan losses:
			2013			2012			2011
			(in thousands)
	Beginning balance		$	14,464		$	15,270		$	13,302
	Charge-offs			(2,594	)		(7,016	)		(13,092	)
	Recoveries			2,282			1,929			469
Net charge-offs			(312	)		(5,087	)		(12,623	)
Provision			(1,944	)		4,281			14,591
Ending balance		$	12,208		$	14,464		$	15,270
As of December 31, 2013 and 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 Year Ended December 31,
		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			(1,294	)		(349	)		(149	)		(547	)		(39	)		(179	)		(37	)		(2,594	)
Recoveries			257			1,243			212			559			3			8			-			2,282
Net charge-offs			(1,037	)		894			63			12			(36	)		(171	)		(37	)		(312	)
Provision			206			(969	)		(324	)		(794	)		(318	)		218			37			(1,944	)
Ending balance		$	5,114		$	2,552		$	2,064		$	1,951		$	280		$	245		$	2		$	12,208
2012
Beginning balance		$	4,629		$	3,528		$	2,734		$	3,877		$	349		$	150		$	3		$	15,270
Charge-offs			(3,652	)		(1,687	)		(656	)		(623	)		(76	)		(314	)		(8	)		(7,016	)
Recoveries			144			756			131			837			50			6			5			1,929
Net charge-offs			(3,508	)		(931	)		(525	)		214			(26	)		(308	)		(3	)		(5,087	)
Provision			4,824			30			116			(1,358	)		311			356			2			4,281
Ending balance		$	5,945		$	2,627		$	2,325		$	2,733		$	634		$	198		$	2		$	14,464
2011
Beginning balance		$	4,168		$	2,532		$	2,094		$	3,753		$	547		$	135		$	73		$	13,302
Charge-offs			(2,996	)		(4,224	)		(2,153	)		(2,930	)		(1	)		(788	)		-			(13,092	)
Recoveries			73			5			75			299			-			17			-			469
Net charge-offs			(2,923	)		(4,219	)		(2,078	)		(2,631	)		(1	)		(771	)		-			(12,623	)
Provision			3,384			5,215			2,718			2,755			(197	)		786			(70	)		14,591
Ending balance		$	4,629		$	3,528		$	2,734		$	3,877		$	349		$	150		$	3		$	15,270
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 December 31, 2013:		(in thousands)
Recorded Investment:
Impaired loans with an allowance recorded		$	6,368		$	2,322		$	3,583		$	1,607		$	615		$	645		$	-		$	15,140
Impaired loans with no allowance recorded			2,782			1,628			254			210			-			106			-			4,980
Total loans individually evaluated for impairment			9,150			3,950			3,837			1,817			615			751			-			20,120
Loans collectively evaluated for impairment			162,905			138,728			41,810			22,249			14,803			9,399			184			390,078
Total loans held for investment		$	172,055		$	142,678		$	45,647		$	24,066		$	15,418		$	10,150		$	184		$	410,198
Unpaid Principal Balance
Impaired loans with an allowance recorded		$	6,962		$	2,367		$	3,956		$	8,045		$	630		$	664		$	-		$	22,624
Impaired loans with no allowance recorded			4,536			3,834			235			1,610			-			244			-			10,459
Total loans individually evaluated for impairment			11,498			6,201			4,191			9,655			630			908			-			33,083
Loans collectively evaluated for impairment			162,905			138,728			41,810			22,249			14,803			9,399			184			390,078
Total loans held for investment		$	174,403		$	144,929		$	46,001		$	31,904		$	15,433		$	10,307		$	184		$	423,161
Related Allowance for Credit Losses
Impaired loans with an allowance recorded		$	618		$	159		$	437		$	139		$	29		$	57		$	-		$	1,439
Impaired loans with no allowance recorded			-			-			-			-			-			-			-			-
Total loans individually evaluated for impairment			618			159			437			139			29			57			-			1,439
Loans collectively evaluated for impairment			4,496			2,393			1,627			1,812			251			188			2			10,769
Total loans held for investment		$	5,114		$	2,552		$	2,064		$	1,951		$	280		$	245		$	2		$	12,208
		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 loan losses reported in the consolidated balance sheets as of December 31, 2013 and 2012.
The table below reflects recorded investment in loans classified as impaired:
		December 31,
		2013			2012
		(in thousands)
Impaired loans with a specific valuation allowance under ASC 310		$	15,140		$	12,163
Impaired loans without a specific valuation allowance under ASC 310			4,980			17,484
Total impaired loans		$	20,120		$	29,647
Valuation allowance related to impaired loans		$	1,439		$	1,794
The following tables summarize impaired loans by class of loans:
		December 31,
		2013			2012
		(in thousands)
Manufactured housing		$	9,150		$	10,435
Commercial real estate :
Commercial real estate			2,805			10,615
SBA 504 1st trust deed			1,005			1,293
Land			140			-
Construction			-			-
Commercial			3,837			5,093
SBA			1,817			1,741
HELOC			615			269
Single family real estate			751			201
Consumer			-			-
Total		$	20,120		$	29,647
The following table summarizes the average investment in impaired loans by class and the related interest income recognized:
		Year Ended December 31,
		2013						2012						2011
		Average Investment			Interest			Average Investment			Interest			Average Investment			Interest
		in Impaired Loans			Income			in Impaired Loans			Income			in Impaired Loans			Income
		(in thousands)
Manufactured housing		$	9,429		$	323		$	8,374		$	333		$	405		$	30
Commercial real estate:
Commercial real estate			7,638			146			17,552			315			15,293			575
SBA 504 1st trust deed			1,128			7			3,897			159			3,405			420
Land			28			7			-			-			563			-
Construction			-			-			4,808			108			7,515			165
Commercial			3,823			179			5,540			292			4,607			351
SBA			1,506			198			1,800			176			3,048			101
HELOC			372			5			255			13			-			-
Single family real estate			511			11			324			10			-			-
Consumer			-			-			5			-			16			1
Total		$	24,435		$	876		$	42,555		$	1,406		$	34,852		$	1,643
The Company is not committed to lend significant additional funds on these impaired loans.
The following table summarizes nonperforming assets:
		December 31,
		2013			2012
		(in thousands)
Nonaccrual loans, net		$	16,837		$	22,425
Loans past due 90 days or more on accrual status			66			12
Troubled debt restructured loans on accrual			3,283			7,222
Total nonperforming loans			20,186			29,659
Other assets acquired through foreclosure, net			3,811			1,889
Total nonperforming assets		$	23,997		$	31,548
The following table reflects the recorded investment in certain types of loans at the periods indicated:
		Year Ended December 31,
		2013			2012			2011
		(in thousands)
Nonaccrual loans		$	23,263		$	29,643		$	42,343
SBA guaranteed portion of loans included above			(6,426	)		(7,218	)		(13,673	)
Total nonaccrual loans, net		$	16,837		$	22,425		$	28,670
Troubled debt restructured loans, gross		$	12,308		$	19,931		$	17,885
Loans 30 through 89 days past due with interest accruing		$	161		$	521		$	3,114
Interest income recognized on impaired loans		$	876		$	1,406		$	1,643
Foregone interest on nonaccrual and troubled debt restructured loans		$	1,754		$	2,692		$	2,920
Allowance for loan losses to gross loans held for investment			2.98	%		3.66	%		3.24	%
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:
		December 31,
		2013			2012
		(in thousands)
Manufactured housing		$	6,235		$	7,542
Commercial real estate:
Commercial real estate			2,806			10,615
SBA 504 1st trust deed			726			490
Land			140			-
Construction			-			-
Commercial			3,837			1,945
SBA			1,803			1,442
HELOC			615			269
Single family real estate			675			121
Consumer			-			1
Total		$	16,837		$	22,425
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 portion 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 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:
		31-Dec-13
					Special
		Pass			Mention			Substandard			Doubtful			Total
		(in thousands)
Manufactured housing		$	158,533		$	-		$	13,522		$	-		$	172,055
Commercial real estate:
Commercial real estate			89,319			3,600			3,474			-			96,393
SBA 504 1st trust deed			33,012			248			1,005			-			34,265
Land			1,817			-			140			-			1,957
Construction			10,063			-			-			-			10,063
Commercial			41,147			327			4,150			23			45,647
SBA			14,773			136			2,053			-			16,962
HELOC			13,806			491			1,121			-			15,418
Single family real estate			9,226			-			924			-			10,150
Consumer			184			-			-			-			184
Total, net		$	371,880		$	4,802		$	26,389		$	23		$	403,094
SBA guarantee			-			-			6,719			385			7,104
Total		$	371,880		$	4,802		$	33,108		$	408		$	410,198
		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 Restructured Loan (TDR)
A troubled debt restructured loan is a loan on which the bank, for reasons related to a borrower’s financial difficulties, grants a concession to the borrower that the bank would not otherwise consider.  The loan terms that have been modified or restructured due to a borrower’s financial situation include, but are not limited to, a reduction in the stated interest rate, an extension of the maturity or renewal of the loan at an interest rate below current market, a reduction in the face amount of the debt, a reduction in the accrued interest, extensions, deferrals, renewals and rewrites.  The majority of the bank’s modifications are extensions in terms or deferral of payments which result in no lost principal or interest followed by reductions in interest rates or accrued interest.  A troubled debt restructured loan is also considered impaired.  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 table presents information on the financial effects of troubled debt restructured loans by class for the periods presented:
		For the Year Ended December 31, 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		$	1,982		$	197		$	1,021			136		$	1,982			147
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			385			32			385			263			147			6
Total		$	7,120		$	546		$	1,406			152		$	6,882			110
`		For the Year Ended December 31, 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		$	5,224		$	664		$	277			315		$	5,224			151
Commercial real estate			830			61			-			-			830			70
SBA 504 1st trust deed			489			5			-			-			489			228
Construction			-			-			-			-			-			-
Commercial			49			6			-			-			49			70
SBA			117			26			-			-			117			57
HELOC			203			36			-			-			203			70
Single family real estate			80			11			-						80			180
Consumer			-			-			-			-			-			-
Total		$	6,992		$	809		$	277			315		$	6,992			145
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:
		Year Ended December 31,
		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		$	456		$	11			7		$	202		$	5			4
SBA 504 1st			-			-			-			173			-			1
SBA			-			-			-			68			-			1
Total		$	456		$	11			7		$	443		$	5			6
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 December 31, 2013, there were no material loan commitments outstanding on TDR loans.
Related Parties
Principal stockholders, directors, and executive officers of the Company, together with companies they control, are considered to be related parties.  In the ordinary course of business, the Company has extended credit to these related parties.  Federal banking regulations require that any such extensions of credit not be offered on terms more favorable than would be offered to non-related party borrowers of similar creditworthiness.
The following table summarizes the aggregate activity in such loans:
		Year Ended December 31,
		2013			2012
		(in thousands)
Balance, beginning		$	4,560		$	3,733
New loans			1,046			974
Repayments and other			(790	)		(147	)
Balance, ending		$	4,816		$	4,560
None of these loans are past due, on nonaccrual status or have been restructured to provide a reduction or deferral of interest or principal because of deterioration in the financial position of the borrower.  There were no loans to a related party that were considered classified loans at December 31, 2013 or 2012.
Unfunded loan commitments outstanding with related parties total approximately $0.8 million and $0.9 million at December 31, 2013 and 2012, respectively.

PREMISES_AND_EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2013
PREMISES AND EQUIPMENT [Abstract]	'
PREMISES AND EQUIPMENT	'
	5.  PREMISES AND EQUIPMENT
		Year Ended December 31,
		2013			2012
		(in thousands)
	Bank Premises and land	$	1,400		$	1,408
	Furniture, fixtures and equipment		8,526			8,311
	Leasehold improvements		2,591			2,591
			12,517			12,310
	Accumulated depreciation		(9,534	)		(9,242	)
	Premises and equipment, net	$	2,983		$	3,068
	Lease Obligations
	The Company leases certain premises under non-cancelable operating leases expiring through 2017.  The following is a schedule of future minimum rental payments under these leases at December 31, 2013:
		(in thousands)
	2014	$	828
	2015		723
	2016		653
	2017		173
	2018		-
	Thereafter		-
		$	2,377
	The Company leases the majority of its office locations and many of these leases contain multiple renewal options and provisions for increased rents.  Total rent expense of $0.9 million, $1.0 million and $1.1 million is included in occupancy expenses for the years ended December 31, 2013, 2012 and 2011, respectively.  Total depreciation expense of $0.3 million, $0.3 million, and $0.4 million is included in occupancy expenses for the years ended December 31, 2013, 2012 and 2011, respectively.

OTHER_ASSETS_ACQUIRED_THROUGH_

OTHER ASSETS ACQUIRED THROUGH FORECLOSURE	12 Months Ended
	Dec. 31, 2013
OTHER ASSETS ACQUIRED THROUGH FORECLOSURE [Abstract]	'
OTHER ASSETS ACQUIRED THROUGH FORECLOSURE	'
	6.  OTHER ASSETS ACQUIRED THROUGH FORECLOSURE
	The following table summarizes the changes in other assets acquired through foreclosure:
		December 31,
		2013			2012			2011
		(in thousands)
	Balance, beginning of period	$	1,889		$	6,701		$	8,478
	Additions		6,084			7,329			7,417
	Dispositions and receivables from participants		(3,774	)		(10,980	)		(6,564	)
	Losses on sales, net		(388	)		(1,161	)		(2,630	)
	Balance, end of period	$	3,811		$	1,889		$	6,701

INCOME_TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2013
INCOME TAXES [Abstract]	'
INCOME TAXES	'
	7.  INCOME TAXES
	The provision for income taxes consisted of the following:
		December 31,
		2013			2012			2011
	Current:	(in thousands)
	Federal	$	1,430		$	(98	)	$	(1,545	)
	State		-			-			(3	)
			1,430			(98	)		(1,548	)
	Deferred:
	Federal		453			1,072			(372	)
	State		670			347			(689	)
			1,123			1,419			(1,061	)
	(Decrease) increase in deferred tax asset valuation allowance		(5,365	)		(1,321	)		6,686
	Total (benefit) provision for income taxes	$	(2,812	)	$	-		$	4,077
	The reconciliation between the statutory income tax rate and the Company’s effective tax rate follows:
		December 31,
		2013			2012			2011
	Federal income tax at statutory rate		34	%		34	%		(34.0	)%
	State franchise tax, net of federal benefit		7.2			7.2			(7.2	)
	Other		-			-			0.5
	(Benefit) provision related to deferred tax asset valuation allowance		(86.7	)		(41.2	)		104.3
	Total (benefit) provision for income taxes		(45.5	)%		-	%		63.6	%
	The cumulative tax effects of the primary temporary differences are as shown in the following table:
		December 31,
		2013			2012
	Deferred Tax Assets:	(in thousands)
	Allowance for loan losses	$	4,829		$	5,681
	Unrealized loss on AFS securities		191			-
	State net operating loss		80			595
	Other		483			510
	Total gross deferred tax assets		5,583			6,786
	Deferred tax asset valuation allowance		-			(5,365	)
	Total deferred tax assets		5,583			1,421
	Deferred Tax Liabilities:
	Deferred state taxes		(447	)		(691	)
	Depreciation		(139	)		(145	)
	Other		(296	)		(377	)
	Total deferred tax liabilities		(882	)		(1,213	)
	Net deferred tax asset	$	4,701		$	208
	Deferred tax assets and liabilities are included in the financial statements at currently enacted income tax rates applicable to the period in which the deferred tax assets or liabilities are expected to be realized or settled.  As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes.  Management assesses the valuation allowance recorded against deferred tax assets at each reporting period.  The determination of whether a valuation allowance for deferred tax assets is appropriate is subject to judgment and requires an evaluation of all positive and negative evidence.
	The valuation on deferred tax assets was zero and $5.4 million, respectively, at December 31, 2013 and 2012.  The determination of whether a valuation allowance for deferred tax assets is appropriate is subject to considerable judgment and requires an evaluation of all the positive and negative evidence.
	At December 31, 2013, the Company reversed $2.8 million of valuation allowance on its net deferred tax asset.  The Company established a valuation allowance on its net deferred tax asset in 2011 due to the realization of significant losses and uncertainty about future earnings.
	The Company evaluated the need for a valuation allowance at December 31, 2013.  Based on the assessment of all the positive and negative evidence, management concluded that it is more likely than not that all of the deferred tax assets will be realized based on current and future income.  The positive evidence considered by management in arriving at the conclusion that a valuation allowance is not necessary included six profitable quarters beginning with the third quarter of 2012, projected earnings, significant improvement in credit quality measures, which improve both the sustainability of profitability and management’s ability to forecast future credit losses and that the Company is no longer in a three-year cumulative loss position.  The negative evidence considered by management included its current memorandums of understanding with banking regulatory agencies.
	At December 31, 2013, the Company has $0.5 million state of California net operating losses which will expire beginning in 2032.
	The need for a valuation allowance could change in future periods based on the assessment of positive and negative evidence.  Management’s conclusion at December 31, 2013 that it was more likely than not that all of the net deferred tax assets will be realized is based upon management’s estimate of future taxable income.  Management’s estimate of future taxable income is based on internal forecasts which consider historical performance, various internal estimates and assumptions, as well as certain external data all of which management believes to be reasonable although inherently subject to significant judgment.  If actual results differ significantly from the current estimates of future taxable income, a valuation allowance may need to be established which could have a material adverse effect on the Company’s financial condition and results of operations.
	The Company is subject to income taxation in the United States and certain state jurisdictions.  The Company’s federal and state income tax returns are filed on a consolidated basis. The Company is open to examination by tax authorities for the years 2010, 2011 and 2012. Although the Company is unable to determine the outcome under examination, it has evaluated whether there are any uncertain tax positions in accordance with ASC 740-10 and concluded that there are no significant uncertain tax positions requiring recognition in the financial statements.

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2013
DEPOSIT [Abstract]	'
DEPOSITS	'
	8.  DEPOSITS
	The table below summarizes deposits and their related interest expense by type:
		Year Ended December 31,
		2013				2012				2011
				Interest				Interest				Interest
		Balance		Expense		Balance		Expense		Balance		Expense
		(in thousands)
	Non-interest bearing demand deposits	$	52,461	$	-	$	53,605	$	-	$	49,894	$	-
	Interest-bearing deposits:
	NOW accounts		20,367		35		20,120		73		23,401		281
	Money market deposit account		238,078		1,150		249,346		1,766		266,395		2,613
	Savings accounts		16,158		290		16,351		325		19,429		389
	Time deposits of $100,000 or more		95,979		1,166		80,710		1,609		113,336		2,123
	Other time deposits		13,092		275		14,088		357		38,807		545
	Total deposits	$	436,135	$	2,916	$	434,220	$	4,130	$	511,262	$	5,951
	Of the total deposits at December 31, 2013, $327.1 million may be immediately withdrawn.  Time certificates of deposit are the only deposits which have a specified maturity.
	The summary of the contractual maturities for all time deposits is as follows:
		(in thousands)
	2014	$	34,313
	2015		30,783
	2016		13,077
	2017		3,446
	2018		27,427
	Thereafter		25
		$	109,071
	The Company through the bank is a member of Certificate Deposit Registry Service (“CDARS”), which provides Federal Deposit Insurance Corporation (“FDIC”) insurance for large deposits.  Federal banking law and regulation place restrictions on depository institutions regarding brokered deposits as they pose increased liquidity risk for institutions that gather significant amounts of brokered deposits.  At December 31, 2013 and 2012, the Company had $1.7 million and $4.7 million, respectively, of reciprocal CDARS deposits.

OTHER_BORROWINGS_AND_CONVERTIB

OTHER BORROWINGS AND CONVERTIBLE DEBENTURES	12 Months Ended
	Dec. 31, 2013
OTHER BORROWINGS AND CONVERTIBLE DEBENTURES [Abstract]	'
OTHER BORROWINGS AND CONVERTIBLE DEBENTURES	'
	9.  OTHER BORROWINGS AND CONVERTIBLE DEBENTURES
	The following table summarizes the Company’s FHLB advances by maturity date:
		December 31,
		2013					2012
	Contractual Maturity Date	Amount		Rate			Amount		Rate
		(dollars in thousands)
	14-Nov-13	$	-		-		$	4,000		3.81	%
	5-May-14		4,000		2.88	%		4,000		2.88	%
	7-May-14		4,000		2.76	%		4,000		2.76	%
	19-May-14		4,000		2.79	%		4,000		2.79	%
	9-Oct-14		4,000		2.68	%		4,000		2.68	%
	17-Nov-14		4,000		2.78	%		4,000		2.78	%
	9-Mar-15		5,000		2.745	%		5,000		2.745	%
	4-May-15		5,000		2.735	%		5,000		2.735	%
	Total FHLB advances	$	30,000				$	34,000
	Weighted average rate				2.77	%				2.89	%
	The Company through the bank has a blanket lien credit line with the FHLB.  FHLB advances are collateralized in the aggregate by the Company’s eligible loans and securities.  Total FHLB advances were $30.0 million and $34.0 million at December 31, 2013 and 2012, respectively, borrowed at fixed rates.  At December 31, 2013, CWB had pledged to the FHLB, $28.0 million of securities and $27.3 million of loans.  At December 31, 2013, the Company had $61.4 million available for additional borrowing.  At December 31, 2012, the Company 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.  In 2012, the Company incurred $0.4 million in debt termination expense related to the early repayment of $22.0 million in fixed-rate term FHLB advances.  Total FHLB interest expense for the years ended December 31, 2013, 2012 and 2011 was $1.0 million, $1.1 million and $1.6 million, respectively.
	Federal Reserve Bank – The Company has established a credit line with the FRB.  Advances are collateralized in the aggregate by eligible loans for up to 28 days.  There were no outstanding FRB advances as of December 31, 2013 and 2012.  Available borrowing capacity was $123.9 million and $66.3 million as of December 31, 2013 and 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 until July 1, 2016 and $6.00 per share from July 2, 2016 until maturity or redemption.  For the year ended December 31, 2013, $6.4 million of principal and $0.1 million of accrued interest had been converted to equity.  At December 31, 2013 and 2012, the balance of the convertible debentures was $1.4 million and $7.9 million, respectively.
	Federal Funds Purchased Lines – The Company has federal funds borrowing lines at correspondent banks totaling $25.0 million.    There was no amount outstanding as of December 31, 2013 and 2012.

COMMITMENTS_AND_CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	12 Months Ended
	Dec. 31, 2013
COMMITMENTS AND CONTINGENCIES [Abstract]	'
COMMITMENTS AND CONTINGENCIES	'
	10.  COMMITMENTS AND CONTINGENCIES
	Unfunded Commitments and Letters of Credit
	The Company is party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers.  These financial instruments include commitments to extend credit and standby letters of credit.  They involve, to varying degrees, elements of credit risk in excess of amounts recognized in the consolidated balance sheets.
	Lines of credit are obligations to lend money to a borrower.  Credit risk arises when the borrowers’ current financial condition may indicate less ability to pay than when the commitment was originally made.  In the case of standby letters of credit, the risk arises from the possibility of the failure of the customer to perform according to the terms of a contract.  In such a situation, the third party might draw on the standby letter of credit to pay for completion of the contract and the Company would look to its customer to repay these funds with interest.  To minimize the risk, the Company uses the same credit policies in making commitments and conditional obligations as it would for a loan to that customer.
	Standby letters of credit are commitments issued by the Company to guarantee the performance of a customer to a third party in borrowing arrangements.  Typically, letters of credit issued have expiration dates within one year.
	A summary of the contractual amounts for unfunded commitments and letters of credit are as follows:
		Year Ended December 31,
		2013		2012
		(in thousands)
	Commitments to extend credit	$	19,573	$	17,958
	Standby letters of credit		75		9
	Total	$	19,648	$	17,967
	Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract.  Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee.  The Company enters into credit arrangements that generally provide for the termination of advances in the event of a covenant violation or other event of default.  Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements.  The Company evaluates each customer’s creditworthiness on a case-by-case basis.  The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the party.  The commitments are collateralized by the same types of assets used as loan collateral.
	The Company has exposure to credit losses from unfunded commitments and letters of credit.  As funds have not been disbursed on these commitments, they are not reported as loans outstanding.  Credit losses related to these commitments are not included in the allowance for credit losses reported in Note 4, “Loans Held For Investment” of these Consolidated Financial Statements and are accounted for as a separate loss contingency as a liability.  This loss contingency for unfunded loan commitments and letters of credit was $0.1 million as of December 31, 2013 and 2012, respectively.  Changes to this liability are adjusted through other non-interest expense.
	Concentrations of Lending Activities
	The Company’s lending activities are primarily driven by the customers served in the market areas where the Company has branch offices in the Central Coast of California.  The Company monitors concentrations within five broad categories: geography, industry, product, call code, and collateral.  The Company grants manufactured housing, commercial, SBA, construction, real estate and consumer loans to customers through branch offices located in the Company’s primary markets.  The Company’s business is concentrated in these areas and the loan portfolio includes significant credit exposure to the manufactured housing and commercial real estate markets of these areas.  As of December 31, 2013 and 2012, manufactured housing comprised 36.3% and 38.3%, respectively of total loans.  The Company performs a monthly analysis of the manufactured housing loan portfolio which includes weighted average and stratification of various components of credit quality, including loan-to-value, borrower FICO score, loan maturity, debt-to-income ratio, loan amount, mobile home age, mobile home park and location. This concentration is somewhat mitigated by the fact that the portfolio consists of 1,786 individual borrowers as of December 31, 2013 in over 50 mobile home parks. The Bank analyzes these concentrations on a quarterly basis and reports the risk related to concentrations to the Board of Directors.  Management believes the systems in place coupled with the diversity of the portfolios are adequate to mitigate concentration risk.  As of December 31, 2013 and 2012, commercial real estate loans accounted for approximately 30.1% and 27.3% of total loans, respectively.  Approximately 62.2% and 59.1% of these commercial real estate loans were owner occupied at December 31, 2013 and 2012, respectively.  Substantially all of these loans are secured by first liens with an average loan to value ratios of 48.5% and 47.8% at December 31, 2013 and 2012, respectively.  The Company was within established policy limits at December 31, 2013 and 2012.
	Loan Sales and Servicing
	The Company retains a certain level of risk relating to the servicing activities and retained interest in sold loans.  In addition, during the period of time that the loans are held for sale, the Company is subject to various business risks associated with the lending business, including borrower default, foreclosure and the risk that a rapid increase in interest rates would result in a decline of the value of loans held for sale to potential purchasers.
	In connection with certain loan sales, the Company enters agreements which generally require the company to repurchase or substitute loans in the event of a breach of a representation or warranty made by the Company to the loan purchaser, any misrepresentation during the loan origination process or, in some cases, upon any fraud or early default on such loans.
	The Company has sold loans that are guaranteed or insured by government agencies for which the Company retains all servicing rights and responsibilities.  The Company is required to perform certain monitoring functions in connection with these loans to preserve the guarantee by the government agency and prevent loss to the Company in the event of nonperformance by the borrower.  Management believes that the Company is in compliance with these requirements.  The outstanding balance of the loans serviced for others was approximately $33.2 million and $42.2 million at December 31, 2013 and 2012, respectively.
	Salary Continuation
	The Company has an agreement with a former officer which provides for $50,000 per year in monthly cash payments.  The remaining contractual obligation at December 31, 2013 is five years.  At December 31, 2013 and 2012, the Company had accrued salary continuation liability of $0.2 million and $0.3 million, respectively.
	Contingencies
	On or about December 16, 2013, CWB was served with the Summons and Complaint in the action entitled Residential Funding Company, LLC v. Community West Bank, N.A., United States District Court for the District of Minnesota, Case No. 0:13-CV-03468-JRT-JJK.  The Summons was issued and Complaint filed on December 13, 2013.  Generally, Residential Funding Company, LLC (“RFC”) seeks damages in excess of $75,000 for breach of contract and indemnification for certain unspecified residential mortgage loans originated by CWB and sold to RFC in accordance with an agreement.  RFC alleges that some $22 million in loans were sold over the course of the agreement.  RFC further alleges that CWB made certain representations and warranties with respect to the loans and that CWB failed to comply with such representations and warranties.
	RFC alleges it placed the loans from CWB into residential mortgage backed securitizations trusts (“Trusts”) and issued certificates in the Trusts to outside investors.  The loans CWB sold to RFC were eventually included along with numerous other third party lender loans in 30 different Trusts.  RFC alleges that, over time, the loans defaulted or became delinquent and, from 2008 until May 14, 2012, RFC faced numerous claims and lawsuits stemming from the loans.  RFC alleges that it had to file for bankruptcy protection to defend the claims.  RFC claims all the lawsuits against RFC filed by investors in the Trusts allege that the securitizations were defective in a variety of ways, including borrower fraud, missing or inaccurate documentation, fraudulent appraisals and misrepresentations concerning occupancy.  RFC alleges that CWB was responsible for the problems with the loans in this action and that numerous other lenders were responsible in the other actions RFC has filed.  RFC also alleges that it was forced to settle many of the claims in the bankruptcy court but continues to litigate other claims.  RFC alleges that under its agreement with CWB, CWB agreed to indemnify RFC for losses or repurchase the loans at RFC’s option.
	Since the Complaint is so vague and ambiguous concerning the “agreement”, the specific loans in question and the circumstances surrounding the approval of such loans, CWB has determined to file a Motion to Dismiss under Rule 12(b)(6) of the Federal Rules of Civil Procedure or, in the alternative, for a Motion for More Definite Statement under Rule 12(e) when CWB’s responsive pleading is due on March 17, 2014.
	It is CWB’s position to vigorously defend this action and CWB knows of no evidence that would support RFC’s allegations of wrongdoing by CWB.  Due to the preliminary stage of the pleadings and without the benefit of discovery, it is not possible to predict the probable outcome.  This action is just one of many filed by RFC against various banks pending in courts in New York and Minnesota, among others.  CWB has entered into a Joint Defense Agreement with other defendants in some of the other cases.
	On March 5, 2014, RFC filed a Motion to Transfer Venue to the U.S. Bankruptcy Court for the Southern District of New York (“SDNY”).  RFC argues that transfer will serve the interests of justice ensuring that (1) common issues are resolved in a common forum, (2) the SDNY Bankruptcy Court is already familiar with the claims, (3) convenience factors buttress the propriety of transfer, and (4) transfer is appropriate despite the fact that the agreement between the parties provides for Minnesota as the forum for resolutions of disputes.  RFC’s motion indicates that this is one of 83 recently commenced actions in which such a transfer motion has been filed.  CWB has not had an opportunity to fully analyze the motion, but it is CWB’s preliminary intention to oppose RFC’s transfer motion.
	The Company is involved in various other lawsuits of a routine nature that are being handled and defended in the ordinary course of the Company’s business.  Expenses are being incurred in connection with defending the Company, but in the opinion of Management, based in part on consultation with legal counsel, the resolution of these lawsuits and associated defense costs will not have a material impact on the Company’s financial position, results of operations, or cash flows.

STOCKHOLDERS_EQUITY

STOCKHOLDERS' EQUITY	12 Months Ended
	Dec. 31, 2013
STOCKHOLDERS' EQUITY [Abstract]	'
STOCKHOLDERS' EQUITY	'
	11. STOCKHOLDERS’ EQUITY
	Preferred Stock
	The Company’s Series A Preferred Stock paid cumulative dividends at a rate of 5% per year  until February 15, 2014 then  increased 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, the United States Department of the 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 years ended December 31, 2013 and 2012, the Company recorded $1.0 million of dividends and 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 seven quarters of dividends, the Company’s request to the FRB was not approved until December 2013, as such, the Company had not paid the dividends as of December 31, 2013.  The aggregate amount of the dividends that would have been paid was $1.4 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.
	Common Stock Issuance
	During 2013, the Company issued 1,864,748 shares of common stock in conjunction with debenture conversions.
	Stock Option Plans
	The Company has one stock option plan, the Community West Bancshares 2006 Stock Option Plan.  As of December 31, 2013, 169,075 options were available for future grant.
	The fair value of each option award is estimated on the date of grant using the Black-Scholes option valuation model that uses the assumptions noted in the following table. This model requires the input of highly subjective assumptions, changes to which can materially affect the fair value estimate.  The expected volatility is based on the historical volatility of the stock of the Company over the expected life of the options.  The risk-free rate for the periods within the contractual life of the option is based on the U.S. Treasury yield curve in effect at the time of the grant.  The dividend rate assumption of zero is based on management’s intention not to pay dividends for the foreseeable future.  A summary of the assumptions used in calculating the fair value of option awards during the years ended December 31, 2013, 2012 and 2011 are as follows:
		December 31,
		2013			2012			2011
	Expected life in years		6.3			5.8			6.4
	Risk-free interest rate		1.42	%		1.05	%		1.45	%
	Expected volatility		69.2	%		69	%		63.1	%
	Annual dividend rate		-	%		-	%		-	%
	Stock options granted in 2013 generally have a vesting period of 5 years and a contractual life of 10 years.  The Company recognizes compensation cost for options ratably over the requisite service period for all awards.
	A summary of option activity under the plan is presented below:
		Year Ended December 31, 2013
		Option			Weighted Average			Weighted Average			Aggregate
		Shares			Exercise Price			Remaining Term			Intrinsic Value
		(in thousands, except exercise price and contractual terms)
	Outstanding options, beginning of period		447		$	5.38
	Granted		21			4.91
	Exercised		(7	)		3.24
	Forefeited or expired		(85	)		6.07
	Outstanding options, end of period		376		$	5.25			6.1		$	937
	Options exerciseable, end of period		241		$	6.56			4.8		$	443
	Options expected to vest, end of period		135		$	2.9			8.4		$	494
		Year Ended December 31, 2012
		Option			Weighted Average			Weighted Average			Aggregate
		Shares			Exercise Price			Remaining Term			Intrinsic Value
		(in thousands, except exercise price and contractual terms)
	Outstanding options, beginning of period		377		$	6.76
	Granted		147			2.92
	Exercised		(5	)		3.25
	Forefeited or expired		(72	)		7.68
	Outstanding options, end of period		447		$	5.38			6.1		$	160
	Options exerciseable, end of period		278		$	7			4.4		$	29
	Options expected to vest, end of period		169		$	2.72			9.1		$	131
		Year Ended December 31, 2011
		Option			Weighted Average			Weighted Average			Aggregate
		Shares			Exercise Price			Remaining Term			Intrinsic Value
		(in thousands, except exercise price and contractual terms)
	Outstanding options, beginning of period		429		$	7.15
	Granted		72			2.22
	Exercised		(7	)		3.38
	Forefeited or expired		(117	)		5.61
	Outstanding options, end of period		377		$	6.76			5.2		$	-
	Options exerciseable, end of period		275		$	8.04			3.8		$	-
	Options expected to vest, end of period		101		$	3.24			9		$	-
	As of December 31, 2013, 2012 and 2011, there was $0.1 million, $0.2 million and $0.1 million, respectively, of total unrecognized compensation cost related to unvested share-based compensation arrangements granted under the Company’s plan.  That cost is expected to be recognized over a weighted average period of 2.5 years, 4.3 years, and 3.9 years, respectively.   The total intrinsic value of options exercised during the years ended December 31, 2013, 2012 and 2011, was $13,800, $0, and $3,000, respectively.
	The following table summarizes the change in unvested stock option shares during the year ended December 31, 2013:
					Weighted Average
		Number of			Grant-Date
		Option Shares			Fair Value
		(in thousands, except per share data)
	Unvested options, beginning of period		169		$	1.55
	Granted		21			3.11
Vested		(41	)		1.56
Forefeited		(14	)		1.69
Unvested options, end of period		135		$	1.77

EARNINGS_PER_SHARE

EARNINGS PER SHARE	12 Months Ended
	Dec. 31, 2013
EARNINGS PER SHARE [Abstract]	'
EARNINGS PER SHARE	'
	12. EARNINGS PER SHARE
	The following table presents a reconciliation of basic earnings per share and diluted earnings per share:
		Year Ended December 31,
		2013		2012		2011
		(in thousands, except per share amounts)
	Net income (loss)	$	8,986	$	3,173	$	(10,485	)
	Less: dividends and accretion on preferred stock		1,039		1,046		1,047
	Net income available to common stockholders	$	7,947	$	2,127	$	(11,532	)
	Add: debenture interest expense and costs, net of income taxes		244		430		-
	Net income for diluted calculation of earnings per common share	$	8,191	$	2,557	$	(11,532	)
	Weighted average number of common shares outstanding - basic		7,017		5,990		5,980
	Weighted average number of common shares outstanding - diluted		8,390		8,233		5,980
	Earnings per share:
	Basic	$	1.13	$	0.36	$	(1.93	)
	Diluted	$	0.98	$	0.31	$	(1.93	)
	For the year ended December 31, 2011, 2,250,454 average debenture shares and 2,140 average stock option shares were excluded from diluted average common shares.

CAPITAL_REQUIREMENTS

CAPITAL REQUIREMENTS	12 Months Ended
	Dec. 31, 2013
CAPITAL REQUIREMENTS [Abstract]	'
CAPITAL REQUIREMENTS	'
	13.  CAPITAL REQUIREMENTS
	The Company and CWB are subject to various regulatory capital requirements administered by the Federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory - and possibly additional discretionary - actions by regulators that, if undertaken, could have a direct material effect on the Company’s business and financial statements.  Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and CWB must meet specific capital guidelines that involve quantitative measures of their assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices.  The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.  Prompt corrective action provisions are not applicable to bank holding companies.
	The Federal Deposit Insurance Corporation Improvement Act (“FDICIA”) contains rules as to the legal and regulatory environment for insured depository institutions, including increased supervision by the federal regulatory agencies, increased reporting requirements for insured institutions and regulations concerning internal controls, accounting and operations.  The prompt corrective action regulations of FDICIA define specific capital categories based on the institutions’ capital ratios.  The capital categories, in declining order, are “well capitalized”, “adequately capitalized”, “undercapitalized”, “significantly undercapitalized” and “critically undercapitalized”.  To be considered “well capitalized”, an institution must have a core or leverage capital ratio of at least 5%, a Tier I risk-based capital ratio of at least 6%, and a total risk-based capital ratio of at least 10%.  Tier I risk-based capital is, primarily, common stock and retained earnings, net of goodwill and other intangible assets.
	Quantitative measures established by regulation to ensure capital adequacy require the Company and CWB to maintain minimum amounts and ratios (set forth in the following table) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined) and of Tier 1 leverage capital (as defined) to adjusted average assets (as defined).
	The Company’s and CWB’s capital amounts and ratios as of December 31, 2013 and 2012 are presented in the table below:
						Risk-		Adjusted		Total Risk-			Tier 1			Tier 1
		Total		Tier 1		Weighted		Average		Based Capital			Risk-Based			Leverage
		Capital		Capital		Assets		Assets		Ratio			Capital Ratio			Ratio
	31-Dec-13	(dollars in thousands)
	CWBC (Consolidated)	$	74,712	$	67,773	$	432,958	$	534,408		17.26	%		15.65	%		12.68	%
	Capital in excess of  well capitalized									$	31,416		$	41,796		$	41,053
	CWB	$	72,886	$	67,391	$	432,802	$	531,503		16.84	%		15.57	%		12.68	%
	Capital in excess of  well capitalized									$	29,606		$	41,423		$	40,816
	31-Dec-12
	CWBC (Consolidated)	$	66,076	$	52,941	$	413,378	$	544,778		15.98	%		12.81	%		9.72	%
	Capital in excess of  well capitalized									$	24,738		$	28,138		$	25,702
	CWB	$	63,089	$	57,808	$	413,199	$	540,985		15.27	%		13.99	%		10.69	%
	Capital in excess of  well capitalized									$	21,769		$	33,016		$	30,759
	Well-capitalized ratios										10	%		6	%		5	%
	Minimum capital ratios										8	%		4	%		4	%
	The OCC Agreement specified that the Bank shall maintain certain minimum capital ratios,  Tier 1 capital at least equal to 9.00% of adjusted total assets and total risk-based capital at least equal to 12.00% of risk weighted assets.  CWB maintained the capital requirements to be deemed “well capitalized” and the capital requirements of the OCC Agreement at December 31, 2013, however, the Bank was deemed to be “adequately capitalized” as a result of the OCC Agreement.  As of January 27, 2014, the OCC Agreement has been terminated and CWB is no longer subject to these capital requirements.
	A bank, based upon its capital levels, that is classified as “well capitalized,” “adequately capitalized” or “undercapitalized” may be treated as though it were in the next lower capital category if the appropriate federal banking agency, after notice and opportunity for a hearing, determines that an unsafe or unsound condition, or an unsafe or unsound practice, warrants such treatment.  At each successive lower capital category, an insured bank is subject to more restrictions.  The federal banking agencies, however, may not treat an institution as “critically undercapitalized” unless its capital ratios actually warrant such treatment.

EMPLOYEE_BENEFIT_PLAN

EMPLOYEE BENEFIT PLAN	12 Months Ended
	Dec. 31, 2013
EMPLOYEE BENEFIT PLAN [Abstract]	'
EMPLOYEE BENEFIT PLAN	'
	14. EMPLOYEE BENEFIT PLAN
	The Company has a qualified 401(k) employee benefit plan for all eligible employees.  Participants are able to defer between 1% and 15% (up to a maximum of $17,000 for those under 50 years of age in 2013) of their annual compensation.  The Company may elect to match a discretionary amount each year, which was 50% of the first 6% of the participant’s compensation deferred into the plan.  The Company’s total contribution was $0.2 million, for the years ended December 31, 2013, 2012 and 2011, respectively.

FAIR_VALUE_MEASUREMENT

FAIR VALUE MEASUREMENT	12 Months Ended
	Dec. 31, 2013
FAIR VALUE MEASUREMENT [Abstract]	'
FAIR VALUE MEASUREMENT	'
	15. 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 December 31, 2013 or 2012.  The estimated fair value amounts for December 31, 2013 and 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
	31-Dec-13		(Level 1)		(Level 2)		(Level 3)		Value
	Assets:		(in thousands)
	Investment securities available-for-sale		$	69	$	18,403	$	-	$	18,472
	Interest only strips			-		-		334		334
	Servicing assets			-		-		300		300
			$	69	$	18,403	$	634	$	19,106
			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 67.
	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 December 31, 2013:
	Impaired loans		$	18,681	$	-	$	4,980	$	13,701
	Loans held for sale			68,766		-		68,766		-
	Foreclosed real estate and repossesed assets			3,811		-		3,811		-
			$	91,258	$	-	$	77,557	$	13,701
	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 December 31, 2013 and 2012, the Company had loans held for sale with an aggregate carrying value of $64.4 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.
		31-Dec-13
		Carrying		Fair Value
		Amount		Level 1		Level 2		Level 3		Total
Financial assets:		(in thousands)
Cash and cash equivalents		$	19,478	$	19,478	$	-	$	-	$	19,478
Interest-bearing deposits in other financial institutions			99		99		-		-		99
FRB and FHLB stock			3,243		-		3,243				3,243
Investment securities			28,160		69		28,504		-		28,573
Loans, net			462,005		-		455,765		13,701		469,466
Financial liabilities:
Deposits			327,064		-		327,064		-		327,064
Time deposits			109,071		-		109,030		-		109,030
Other borrowings			31,442		-		32,017		-		32,017
		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
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.
Interest rate risk exposure is measured using interest rate sensitivity analysis to determine our change in net portfolio value and net interest income resulting from hypothetical changes in interest rates.  If potential changes to net portfolio value and net interest income resulting from hypothetical interest rate changes are not within the limits established by the Board of Directors, the Board of Directors may direct management to adjust the asset and liability mix to bring interest rate risk within board-approved limits.  As of December 31, 2013, the Company’s interest rate risk profile was within Board-approved limits.
The Company’s subsidiary bank has an Asset and Liability Management Committee charged with managing interest rate risk within Board approved limits.  Such limits are structured to prohibit an interest rate risk profile that is significantly asset or liability sensitive.
Fair value of commitments
The estimated fair value of standby letters of credit outstanding at December 31, 2013 and 2012 was insignificant.  Loan commitments on which the committed interest rates were less than the current market rate are also insignificant at December 31, 2013 and 2012.

ACCUMULATED_OTHER_COMPREHENSIV

ACCUMULATED OTHER COMPREHENSIVE INCOME	12 Months Ended
	Dec. 31, 2013
ACCUMULATED OTHER COMPREHENSIVE INCOME [Abstract]	'
ACCUMULATED OTHER COMPREHENSIVE INCOME	'
	16. ACCUMULATED OTHER COMPREHENSIVE INCOME
	The following table summarizes the changes in other comprehensive income by component, net of tax for the period indicated:
		Year Ended
		December 31,
		2013			2012			2011
		Unrealized holding gains
		(losses) on AFS
		(in thousands)
	Beginning balance	$	35		$	139		$	179
	Other comprehensive income before reclassifications		(309	)		(5	)		(40	)
	Amounts reclassified from accumulated other comprehensive income		-			(99	)		-
	Net current-period other comprehensive income		(309	)		(104	)		(40	)
	Ending Balance	$	(274	)	$	35		$	139
	The following table presents reclassifications out of accumulated other comprehensive income:
	Accumulated other comprehensive	Year Ended December 31,
	income components details	2013			2012			2011
		(in thousands)
	Unrealized gains and losses on AFS
		$	-		$	121		$	-		Realized gain on sale of investment securities
			-			(22	)		-		Income tax expense
		$	-		$	99		$	-		Net of tax

PARENT_COMPANY_FINANCIAL_INFOR

PARENT COMPANY FINANCIAL INFORMATION	12 Months Ended
	Dec. 31, 2013
PARENT COMPANY FINANCIAL INFORMATION [Abstract]	'
PARENT COMPANY FINANCIAL INFORMATION	'
	17. PARENT COMPANY FINANCIAL INFORMATION
	The condensed financial statements of the holding company are presented in the following tables:
	COMMUNITY WEST BANCSHARES
	Condensed Balance Sheets
		December 31,
		2013			2012
		(in thousands)
	Assets:
	Cash and cash equivaletns (including interest-bearing deposits in other financial institutions)	$	3,227		$	3,704
	Investment in subsidiary		67,448			57,881
	Other assets		154			177
	Total assets	$	70,829		$	61,762
	Liabilities and Stockholders' Equity:
	Convertible debentures	$	1,442		$	7,852
	Other liabilities		1,557			896
	Total liabilities		2,999			8,748
	Preferred stock		15,600			15,341
	Common stock		40,165			33,555
	Retained earnings		12,065			4,118
	Total stockholders' equity		67,830			53,014
	Total liabilities and stockholders' equity	$	70,829		$	61,762
	COMMUNITY WEST BANCSHARES
	Condensed Income Statements
		December 31,
		2013			2012			2011
		(in thousands)
	Interest income	$	5		$	15		$	64
	Interest expense		442			717			709
	Net interest expense		(437	)		(702	)		(645	)
	Income (loss) from consolidated subsidiary		9,567			4,168			(9,859	)
	Other income		71			-			-
	Total income		9,638			3,466			(10,504	)
	Total non-interest expenses		215			293			396
	Income (loss) before income tax benefit		8,986			3,173			(10,900	)
	Income tax benefit		-			-			(415	)
	Net income (loss)		8,986			3,173			(10,485	)
	Preferred stock dividends		780			779			780
	Accretion on preferred stock discount		259			267			267
	Net income (loss) available to common stockholders'	$	7,947		$	2,127		$	(11,532	)
	COMMUNITY WEST BANCSHARES
	Condensed Statements of Cash Flows
		December 31,
		2013			2012			2011
		(in thousands)
	Cash Flows from Operating Activities:
	Net income	$	8,986		$	3,173		$	(10,485	)
	Adjutments to reconcile net income (loss) to cash provided by operating activities:
	Equity in undistrubited (income) loss from subsidiary		(9,567	)		(4,168	)		9,859
	Stock-based compensation		59			117			33
	Changes in:
	Other assets		23			315			(16	)
	Other libilities		(2	)		35			(124	)
	Net cash used in operating activitities		(501	)		(528	)		(733	)
	Cash Flows from Investing Activities:
	Investment in subsidiaries		-			(1,000	)		-
	Net cash used in investing activitities		-			(1,000	)		-
	Cash Flows from Financing Activities:
	Preferred stock dividends paid		-			(195	)		(780	)
	Proceeds from issuance of common stock		24			16			25
	Net cash provided by (used in) financing activitities		24			(179	)		(755	)
	Net decrease in cash and cash equivalents		(477	)		(1,707	)		(1,488	)
	Cash and cash equivalents at beginning of year		3,704			5,411			6,899
	Cash and cash equivalents at end of year	$	3,227		$	3,704		$	5,411

QUARTERLY_FINANCIAL_DATA_UNAUD

QUARTERLY FINANCIAL DATA (UNAUDITED)	12 Months Ended
	Dec. 31, 2013
QUARTERLY FINANCIAL DATA (UNAUDITED) [Abstract]	'
QUARTERLY FINANCIAL DATA (UNAUDITED)	'
	18. QUARTERLY FINANCIAL DATA (UNAUDITED)
		December 31,
		2013
		First			Second			Third			Fourth
		Quarter			Quarter			Quarter			Quarter			Total
		(in thousands, except per share amounts)
	Results of Operations:
	Interest income	$	6,976		$	7,044		$	7,081		$	6,765		$	27,866
	Interest expense		1,166			1,161			1,047			958			4,332
	Net interest income		5,810			5,883			6,034			5,807			23,534
	Provision for loan losses		(196	)		(1,084	)		(1,563	)		899			(1,944	)
	Net interest income after provision for loan losses		6,006			6,967			7,597			4,908			25,478
	Non-interest income		755			783			661			632			2,831
	Non-interest expenses		5,672			5,624			5,623			5,216			22,135
	Income (loss) before income taxes		1,089			2,126			2,635			324			6,174
	Provision (benefit) for income taxes		-			-			-			(2,812	)		(2,812	)
	Net income (loss)		1,089			2,126			2,635			3,136			8,986
	Dividends and accretion on preferred stock		262			262			262			253			1,039
	Net income (loss) available to common stockholders	$	827		$	1,864		$	2,373		$	2,883		$	7,947
	Per Share Data:
	Income (loss) per common share - basic	$	0.14		$	0.3		$	0.3		$	0.37		$	1.11
	Income (loss) per common share - diluted	$	0.11		$	0.23		$	0.29		$	0.34		$	0.97
		December 31,
		2012
		First			Second			Third			Fourth
		Quarter			Quarter			Quarter			Quarter			Total
		(in thousands, except per share amounts)
	Results of Operations:
	Interest income	$	8,334		$	8,045		$	7,525		$	7,464		$	31,368
	Interest expense		1,793			1,477			1,403			1,276			5,949
	Net interest income		6,541			6,568			6,122			6,188			25,419
	Provision for loan losses		1,983			1,900			1,293			(895	)		4,281
	Net interest income after provision for loan losses		4,558			4,668			4,829			7,083			21,138
	Non-interest income		1,936			510			1,081			754			4,281
	Non-interest expenses		5,675			5,769			5,297			5,505			22,246
	Income (loss) before income taxes		819			(591	)		613			2,332			3,173
	Provision (benefit) for income taxes		-			-			-			-			-
	Net income (loss)		819			(591	)		613			2,332			3,173
	Dividends and accretion on preferred stock		262			268			253			263			1,046
	Net income (loss) available to common stockholders	$	557		$	(859	)	$	360		$	2,069		$	2,127
	Per Share Data:
	Income (loss) per common share - basic	$	0.09		$	(0.14	)	$	0.06		$	0.35		$	0.36
	Income (loss) per common share - diluted	$	0.08		$	(0.14	)	$	0.06		$	0.26		$	0.31

SUBSEQUENT_EVENT

SUBSEQUENT EVENT	12 Months Ended
	Dec. 31, 2013
SUBSEQUENT EVENT [Abstract]	'
SUBSEQUENT EVENT	'
	19.  SUBSEQUENT EVENT
	On January 27, 2014, the Company announced the receipt of written notification from the Office of the Comptroller of the Currency (“OCC”), the bank’s primary regulator that as a result of its improved financial condition the OCC terminated its Written Consent Agreement with Community West Bank.  As of this date, the Bank is no longer subject to the terms and conditions of the Agreement. Similarly, effective March 11, 2014, the Federal Reserve Board, (“FRB”) terminated its regulatory agreement (the “FRB Agreement”) with the Company and therefore, the Company is no longer subject to the requirements of that regulatory agreement.
	In accordance with the terms of the FRB Agreement, the Company applied for approval to pay the dividends on the Company’s outstanding Series A Preferred Stock due on May 15, 2012, August 15, 2012, November 15, 2012, February 15, 2013, May 15, 2013 and August 15, 2013 which application was denied.  On December 26, 2013, the FRB approved the Company’s request to pay outstanding cumulative dividends on its Series A preferred stock.  These deferred dividends were paid by the Company on February 18, 2014.

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 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.
Reclassifications	'
	Reclassifications
	Certain amounts in the consolidated financial statements as of and for the years ended December 31, 2012 and 2011 have been reclassified to conform to the current presentation.  The reclassifications have no effect on net income or stockholders’ equity as previously reported.
Business Segments	'
	Business Segments
	Reportable business segments are determined using the “management approach” and are intended to present reportable segments consistent with how the chief operating decision maker organizes segments within the company for making operating decisions and assessing performance.  As of December 31, 2013 and 2012, the Company had only one reportable business segment.
Cash and Cash Equivalents	'
	Cash and Cash Equivalents
	For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks (including cash items in process of clearing), and federal funds sold.  Cash flows from loans originated by the Company and deposits are reported net.
	The Company maintains amounts due from banks, which at times may exceed federally insured limits.  The Company has not experienced any losses in such accounts.
Cash Reserve Requirements	'
	Cash Reserve Requirement
	Depository institutions are required by law to maintain reserves against their transaction deposits.  The reserves must be held in cash or with the Federal Reserve Bank (“FRB”).  The amount of the reserve varies by bank as the bank is permitted to meet this requirement by maintaining the specified amount as an average balance over a two-week period.  The total of reserve balances was approximately $0.7 million as of December 31, 2013.  There were no reserve balance requirements at December 31, 2012.
Investment Securities	'
	Investment Securities
	Investment securities may be classified as held-to-maturity (“HTM”), available-for-sale (“AFS”) or trading.  The appropriate classification is initially decided at the time of purchase.  Securities classified as held-to-maturity are those debt securities the Company has both the intent and ability to hold to maturity regardless of changes in market conditions, liquidity needs or general economic conditions.  These securities are carried at amortized cost. The sale of a security within three months of its maturity date or after the majority of the principal outstanding has been collected is considered a maturity for purposes of classification and disclosure.
	Securities classified as AFS or trading are reported as an asset on the Consolidated Balance Sheets at their estimated fair value.  As the fair value of AFS securities changes, the changes are reported net of income tax as an element of other comprehensive income (“OCI”), except for impaired securities.  When AFS securities are sold, the unrealized gain or loss is reclassified from OCI to non-interest income.  The changes in the fair values of trading securities are reported in non-interest income.  Securities classified as AFS are debt securities the Company intends to hold for an indefinite period of time, but not necessarily to maturity.  Any decision to sell a security classified as AFS would be based on various factors, including significant movements in interest rates, changes in the maturity mix of the Company’s assets and liabilities, liquidity needs, decline in credit quality, and regulatory capital considerations.  The Company does not currently have any investment securities classified as trading.
	Interest income is recognized based on the coupon rate and increased by accretion of discounts earned or decreased by the amortization of premiums paid over the contractual life of the security using the interest method.  For mortgage-backed securities, estimates of prepayments are considered in the constant yield calculations.
	In estimating whether there are any other than temporary impairment losses, management considers 1) the length of time and the extent to which the fair value has been less than amortized cost, 2) the financial condition and near term prospects of the issuer, 3) the impact of changes in market interest rates, and 4) the intent and ability of the Company to retain its investment for a period of time sufficient to allow for any anticipated recovery in fair value and it is not more likely than not the Company would be required to sell the security.
	Declines in the fair value of individual debt securities available for sale that are deemed to be other than temporary are reflected in earnings when identified.  The fair value of the debt security then becomes the new cost basis.  For individual debt securities where the Company does not intend to sell the security and it is not more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis, the other than temporary decline in fair value of the debt security related to 1) credit loss is recognized in earnings, and 2) market or other factors is recognized in other comprehensive income or loss.  Credit loss is recorded if the present value of cash flows is less than amortized cost.
	For individual debt securities where the Company intends to sell the security or more likely than not will not recover all of its amortized cost, the other than temporary impairment is recognized in earnings equal to the entire difference between the securities cost basis and its fair value at the balance sheet date.  For individual debt securities for which a credit loss has been recognized in earnings, interest accruals and amortization and accretion of premiums and discounts are suspended when the credit loss is recognized.  Interest received after accruals have been suspended is recognized on a cash basis.
Federal Home Loan Bank and Federal Reserve Bank Stock	'
	Federal Home Loan Bank (“FHLB”) and Federal Reserve Bank (“FRB”) Stock
	The Company’s subsidiary bank is a member of the Federal Home Loan Bank (“FHLB”) system and maintains an investment in capital stock of the FHLB.  The bank also maintains an investment in FRB stock.  These investments are considered equity securities with no actively traded market.  These investments are carried at cost, which is equal to the value at which they may be redeemed.  The dividend income received from the stock is reported in interest income.  We conduct a periodic review and evaluation of our FHLB stock to determine if any impairment exists.
Servicing Rights	'
	Servicing Rights
	The guaranteed portion of certain Small Business Administration (“SBA”) loans can be sold into the secondary market.  Servicing rights are recognized as separate assets when loans are sold with servicing retained.  Servicing rights are amortized in proportion to, and over the period of, estimated future net servicing income.  The Company uses industry prepayment statistics and its own prepayment experience in estimating the expected life of the loans.  Management evaluates its servicing rights for impairment quarterly.  Servicing rights are evaluated for impairment based upon the fair value of the rights as compared to amortized cost.  Fair value is determined using discounted future cash flows calculated on a loan-by-loan basis and aggregated by predominate risk characteristics.  The initial servicing rights and resulting gain on sale are calculated based on the difference between the best actual par and premium bids on an individual loan basis.
Loans Held for Sale	'
	Loans Held For Sale
	Loans which are originated and intended for sale in the secondary market are carried at the lower of cost or estimated fair value determined on an aggregate basis.  Valuation adjustments, if any are recognized through a valuation allowance by charges to lower of cost or market provision.  Loans held for sale are mostly comprised of SBA and single family residential loans.  The Company did not incur any lower of cost or fair value provision in the years ended December 31, 2013, 2012 and 2011.
Loans Held for Investment and Interest and Fees From Loans	'
	Loans Held for Investment and Interest and Fees from Loans
	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.
	Interest income on loans is accrued daily using the effective interest method and recognized over the terms of the loans.  Loan fees collected for the origination of loans less direct loan origination costs (net deferred loan fees) are amortized over the contractual life of the loan through interest income.  If the loan has scheduled payments, the amortization of the net deferred loan fee is calculated using the interest method over the contractual life of the loan.  If the loan does not have scheduled payments, such as a line of credit, the net deferred loan fee is recognized as interest income on a straight-line basis over the contractual life of the loan commitment.  Commitment fees based on a percentage of a customer’s unused line of credit and fees related to standby letters of credit are recognized over the commitment period.
	When loans are repaid, any remaining unamortized balances of unearned fees, deferred fees and costs and premiums and discounts paid on purchased loans are accounted for though interest income.
	Nonaccrual loans:  For all loan types, when a borrower discontinues making payments as contractually required by the note, the Company must determine whether it is appropriate to continue to accrue interest.  Generally, the Company places loans in a nonaccrual status and ceases recognizing interest income when the loan has become delinquent by more than 90 days or when Management determines that the full repayment of principal and collection of interest is unlikely.  The Company may decide to continue to accrue interest on certain loans more than 90 days delinquent if they are well secured by collateral and in the process of collection.  Other personal loans are typically charged off no later than 180 days delinquent.
	For all loan types, when a loan is placed on nonaccrual status, all interest accrued but uncollected is reversed against interest income in the period in which the status is changed.  Subsequent payments received from the customer are applied to principal and no further interest income is recognized until the principal has been paid in full or until circumstances have changed such that payments are again consistently received as contractually required.  The Company occasionally recognizes income on a cash basis for non-accrual loans in which the collection of the remaining principal balance is not in doubt.
	Impaired loans:  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.
	Troubled debt restructured loan (“TDR”): A TDR is a loan on which the Company, for reasons related to the borrower’s financial difficulties, grants a concession to the borrower that the Company would not otherwise consider. These concessions included 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 predominately term extensions.  A TDR loan is also considered impaired.  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.
Allowance for Loan Losses and Provision for Credit Losses	'
	Allowance for Loan Losses and Provision for Credit 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 impairment.  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, HELOCs 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 ALL 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 ALL 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 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
Off-Balance-Sheet Credit Exposure	'
	Off Balance Sheet and Credit Exposure
	In the ordinary course of business, the Company has entered into off-balance sheet financial instruments consisting of commitments to extend credit and standby letters of credit.  Such financial instruments are recorded in the consolidated financial statements when they are funded.  They involve, to varying degrees, elements of credit risk in excess of amounts recognized in the consolidated balance sheets.  Losses would be experienced when the Company is contractually obligated to make a payment under these instruments and must seek repayment from the borrower, which may not be as financially sound in the current period as they were when the commitment was originally made.  Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract.  Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee.  The Company enters into credit arrangements that generally provide for the termination of advances in the event of a covenant violation or other event of default.  Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements.  The Company evaluates each customer’s creditworthiness on a case-by-case basis.  The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the party.  The commitments are collateralized by the same types of assets used as loan collateral.
	As with outstanding loans, the Company applies qualitative factors and utilization rates to its off-balance sheet obligations in determining an estimate of losses inherent in these contractual obligations.  The estimate for loan losses on off-balance sheet instruments is included within other liabilities and the charge to income that establishes this liability is include in non-interest expense.
Premises and Equipment	'
	Premises and Equipment
	Premises and equipment are stated at cost, less accumulated depreciation and amortization.  Depreciation is computed using the straight-line method over the estimated useful lives of the assets.  Leasehold improvements are amortized over the terms of the leases or the estimated useful lives of the improvements, whichever is shorter.  Generally, the estimated useful lives of other items of premises and equipment are as follows:
			Years
	Building and improvements			31.5
	Furniture and equipment			5 – 10
	Electronic equipment and software			3 – 5
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.  Any interest or penalties assessed by the taxing authorities is classified in the financial statements as income tax expense.  Deferred tax assets are included in other assets on the consolidated balance sheets.
	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.
	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.
Bank Owned Life Insurance	'
	Bank Owned Life Insurance
	Bank owned life insurance is stated at its cash surrender value with changes recorded in other non-interest income in the consolidated statements of operations.  The cash surrender value of the underlying policies was $3.1 million and $1.1 million as of December 31, 2013 and 2012, respectively.  There are no loans offset against cash surrender values, and there are no restrictions as to the use of proceeds.
Preferred Stock	'
	Preferred Stock
	The Company’s Series A Preferred Stock paid cumulative dividends at a rate of 5% per year until February 15, 2014 then increased to a rate of 9% per year thereafter.  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.
Fair Value of Financial Instruments	'
	Fair Value of Financial Instruments
	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 establishes a three-level valuation hierarchy for disclosure of fair value measurement and enhances disclosure requirements for fair value measurements.  The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date.  The Company uses various valuation approaches, including market, income and/or cost approaches. 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 our own 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 December 31, 2013 or 2012.  The estimated fair value amounts for December 31, 2013 and 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.
	The information on page 87 in Note 15, “Fair Value Measurement,” 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 methods and assumptions were used by the Company in estimating the fair value of its financial instruments:
	Cash and cash equivalents
	The carrying amounts reported in the consolidated balance sheets for cash and due from banks approximate their fair value.
	Money market investments
	The carrying amounts reported in the consolidated balance sheets for money market investments approximate their fair value.
	Investment securities
	The fair value of Farmer Mac class A stock is based on quoted market prices and are categorized as Level 1 of the fair value hierarchy.
	The fair value of other investment securities were determined based on matrix pricing.  Matrix pricing is a mathematical technique that utilizes observable market inputs including, for example, yield curves, credit ratings and prepayment speeds.  Fair values determined using matrix pricing are generally categorized as Level 2 in the fair value hierarchy.
	FRB and FHLB stock
	CWB is a member of the FHLB system and maintains an investment in capital stock of the FHLB.  CWB also maintain an investment in FRB stock.  These investments are carried at cost since no ready market exists for them, and they have 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.
	Loans
	Fair value for loans is estimated based on discounted cash flows using interest rates currently being offered for loans with similar terms to borrowers with similar credit quality with adjustments that the Company believes a market participant would consider in determining fair value based on a third party independent valuation.  As a result, the fair value for loans disclosed in Note 15, “Fair Value Measurement,” is categorized as Level 2 in the fair value hierarchy.
	Deposit liabilities
	The fair value disclosed for demand and savings deposits is by definition equal to the amount payable on demand at their reporting date (that is, their carrying amount) which the Company believes a market participant would consider in determining fair value.  The carrying amount for variable-rate deposit accounts approximates their fair value.  Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on these deposits.  The fair value measurement of the deposit liabilities disclosed in Note 15, “Fair Value Measurement,” is categorized as Level 2 in the fair value hierarchy.
	Federal Home Loan Bank and Federal Reserve advances and other borrowings
	The fair values of the Company’s borrowings are estimated using discounted cash flow analyses, based on the market rates for similar types of borrowing arrangements.  The other borrowings have been categorized as Level 3 in the fair value hierarchy.  The FHLB and FRB advances have been categorized as Level 2 in the fair value hierarchy.
	Off-balance sheet instruments
	Fair values for the Company’s off-balance sheet instruments (lending commitments and standby letters of credit) are based on quoted fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties’ credit standing.
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 was effective for the Company on January 1, 2014 and was not to be applied prospectively, although early adoption and retrospective adoption were permitted.  The adoption of this standard did not have a material impact on the Company’s consolidated financial statements.
	In January 2014, the FASB issued guidance within ASU 2014-04, “Receivables - Troubled Debt Restructurings by Creditors: Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.”  The amendments in ASU 2014-04, Subtopic 310-40, Receivables -Troubled Debt Restructurings by Creditors, clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure, or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement.  Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction.   ASC 2014-04 are effective for the Company using either a modified retrospective transition method or a prospective transition method for reporting periods beginning after December 15, 2014.  The adoption of this standard is not expected to have a material impact on the Company’s consolidated financial statements.

SUMMARY_OF_SIGNIFICANT_ACCOUNT2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	12 Months Ended
	Dec. 31, 2013
SUMMARY OF SIGNIFICANT OF ACCOUNTING POLICIES [Abstract]	'
Estimated useful lives of other items of premises and equipment	'
	Generally, the estimated useful lives of other items of premises and equipment are as follows:
		Years
	Building and improvements		31.5
	Furniture and equipment		5 – 10
	Electronic equipment and software		3 – 5

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	12 Months Ended
	Dec. 31, 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:
		31-Dec-13
				Gross			Gross
		Amortized		Unrealized			Unrealized			Fair
		Cost		Gains			(Losses)			Value
	Securities available-for-sale	(in thousands)
	U.S. government agency notes	$	7,867	$	-		$	(389	)	$	7,478
	U.S. government agency mortgage backed securities ("MBS")		61		3			-			64
	U.S. government agency collateralized mortgage obligations ("CMO")		10,943		11			(93	)		10,861
	Equity securities: Farmer Mac class A stock		66		3			-			69
	Total	$	18,937	$	17		$	(482	)	$	18,472
	Securities held-to-maturity
	U.S. government agency MBS	$	9,688	$	442		$	(29	)	$	10,101
	Total	$	9,688	$	442		$	(29	)	$	10,101
		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 December 31, 2013 and 2012 were as follows:
		31-Dec-13
		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	$	7,478		1.9	%	$	-			-		$	-		-		$	-		-		$	7,478		1.9	%
	U.S. government agency MBS		-		-			-			-			64		2.2	%		-		-			64		2.2	%
	U.S. government agency CMO		-		-			5,075			0.6	%		3,854		0.6	%		1,932		0.9	%		10,861		0.7	%
	Farmer Mac class A stock		-		-			-			-			-		-			-		-			69		-
	Total	$	7,478		1.9	%	$	5,075			0.6	%	$	3,918		0.6	%	$	1,932		0.9	%	$	18,472		1.2	%
	Securities held-to-maturity
	U.S. government agency MBS	$	-		-		$	2,641			4.4	%	$	7,047		2.7	%	$	-		-		$	9,688		3.1	%
	Total	$	-		-		$	2,641			4.4	%	$	7,047		2.7	%	$	-		-		$	9,688		3.1	%
		31-Dec-12
		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	$	1,988		1	%	$	-			-		$	-		-		$	-		-		$	1,988		1	%
	U.S. government agency MBS		-		-			-			-			171		2.7	%		-		-			171		2.7	%
	U.S. government agency CMO		2,925		1.1	%		6,920			0.7	%		-		-			-		-			9,845		0.8	%
	Total	$	4,913		1	%	$	6,920			0.7	%	$	171		2.7	%	$	-		-		$	12,004		0.9	%
	Securities held-to-maturity
	U.S. government agency MBS	$	-		-		$	4,051			4.4	%	$	7,985		2.9	%	$	-		-		$	12,036		3.4	%
	Total	$	-		-		$	4,051			4.4	%	$	7,985		2.9	%	$	-		-		$	12,036		3.4	%
	The amortized cost and fair value of securities as of December 31, 2013 and 2012, by contractual maturities, are shown below:
		December 31,
		2013					2012
		Amortized		Estimated			Amortized			Estimated
		Cost		Fair Value			Cost			Fair Value
	Securities available for sale	(in thousands)
	Due in one year or less	$	7,867	$	7,478		$	4,923		$	4,913
	After one year through five years		5,070		5,075			6,858			6,920
	After five years through ten years		3,945		3,918			163			171
	After ten years		1,989		1,932			-			-
	Farmer Mac class A stock		66		69			-			-
		$	18,937	$	18,472		$	11,944		$	12,004
	Securities held to maturity
	Due in one year or less	$	-	$	-		$	-		$	-
	After one year through five years		2,641		2,815			4,051			4,314
	After five years through ten years		7,047		7,286			7,985			8,451
	After ten years		-		-			-			-
		$	9,688	$	10,101		$	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:
		31-Dec-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	$	389	$	7,478		$	-		$	-		$	389	$	7,478
	U.S. government agency CMO		93		6,958		$	-		$	-			93		6,958
	Equity securities: Farmer Mac class A stock		-		-			-			-			-		-
		$	482	$	14,436		$	-		$	-		$	482	$	14,436
	Securities held-to-maturity
	U.S. Government-agency MBS	$	29	$	1,063		$	-		$	-		$	29	$	1,063
	Total	$	29	$	1,063		$	-		$	-		$	29	$	1,063
		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)	12 Months Ended
	Dec. 31, 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:
		Year Ended December 31,
		2013			2012			2011
		(in thousands)
	Beginning balance	$	426		$	419		$	492
	Adjustment to fair value		(92	)		7			(73	)
	Ending balance	$	334		$	426		$	419
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:
		December 31,
		2013			2012
	Weighted-average constant prepayment rate		5.24	%		5.13	%
	Weighted-average life (in years)		6			6
	Weighted-average discount rate		12.89	%		12.61	%
	The key data and assumptions used in estimating the fair value of servicing rights as of the periods presented were as follows:
		December 31,
		2013			2012
	Weighted-average constant prepayment rate		5.04	%		4.56	%
	Weighted-average life (in years)		9			9
	Weighted-average discount rate		12.93	%		13.51	%
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:
		December 31,
		2013			2012
		( in thousands)
	Discount Rate
	Increase in fair value from 100 basis point decrease	$	9		$	13
	Decrease in fair value from 100 basis point increase		(9	)		(12	)
	Constant Prepayment Rate
	Increase in fair value from 10 percent decrease		5			6
	Decrease in fair value from 10 percent increase		(5	)		(6	)
	A sensitivity analysis of the fair value of servicing rights to change in certain key assumptions is presented in the following table:
		December 31,
		2013			2012
		( in thousands)
	Discount Rate
	Increase in fair value from 100 basis points decrease	$	12		$	15
	Decrease in fair value from 100 basis points increase		(12	)		(14	)
	Constant Prepayment Rate
	Increase in fair value from 10 percent decrease		6			6
	Decrease in fair value from 10 percent increase		(6	)		(6	)
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:
		Year Ended December 31,
		2013			2012			2011
		(in thousands)
	Beginning balance	$	383		$	625		$	782
	Amortization		(115	)		(242	)		(157	)
	Ending balance	$	268		$	383		$	625
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:
		Year Ended December 31,
		2013			2012			2011
		(in thousands)
	Beginning balance	$	348		$	-		$	-
	Additions through loan sales		-			349			-
	Adjustment to fair value		(48	)		(1	)		-
	Ending balance	$	300		$	348		$	-

LOANS_HELD_FOR_INVESTMENT_Tabl

LOANS HELD FOR INVESTMENT (Tables)	12 Months Ended
	Dec. 31, 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:
			December 31,
			2013			2012
			(in thousands)
	Manufactured housing		$	172,055		$	177,391
	Commercial real estate			142,678			126,677
	Commercial			45,647			32,496
	SBA			24,066			30,688
	HELOC			15,418			17,852
	Single family real estate			10,150			9,939
	Consumer			184			232
				410,198			395,275
	Allowance for loan losses			12,208			14,464
	Deferred costs, net			45			(128	)
	Discount on SBA loans			339			432
	Total loans held for investment, net		$	397,606		$	380,507
Current and Past Due Financing Receivable	'
	The following tables present the contractual aging of the recorded investment in past due held for investment loans by class of loans and excluding deferred fees and cost and discount on SBA loans:
			31-Dec-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		$	170,647		$	1,076		$	135		$	197		$	1,408		$	172,055		$	-
	Commercial real estate:
	Commercial real estate			96,393			-			-			-			-			96,393			-
	SBA 504 1st trust deed			33,798			-			-			467			467			34,265			-
	Land			1,817			140			-			-			140			1,957			-
	Construction			10,063			-			-			-			-			10,063			-
	Commercial			45,605			42			-			-			42			45,647			-
	SBA (1)			23,613			149			-			304			453			24,066			-
	HELOC			15,393			25			-			-			25			15,418			-
	Single family real estate			10,084			-			-			66			66			10,150			66
	Consumer			184			-			-			-			-			184			-
	Total		$	407,597		$	1,432		$	135		$	1,034		$	2,601		$	410,198		$	66
		-1	$0.4 million of the $0.5 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:
			2013			2012			2011
			(in thousands)
	Beginning balance		$	14,464		$	15,270		$	13,302
	Charge-offs			(2,594	)		(7,016	)		(13,092	)
	Recoveries			2,282			1,929			469
	Net charge-offs			(312	)		(5,087	)		(12,623	)
	Provision			(1,944	)		4,281			14,591
	Ending balance		$	12,208		$	14,464		$	15,270
	As of December 31, 2013 and 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 Year Ended December 31,
			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			(1,294	)		(349	)		(149	)		(547	)		(39	)		(179	)		(37	)		(2,594	)
	Recoveries			257			1,243			212			559			3			8			-			2,282
	Net charge-offs			(1,037	)		894			63			12			(36	)		(171	)		(37	)		(312	)
	Provision			206			(969	)		(324	)		(794	)		(318	)		218			37			(1,944	)
	Ending balance		$	5,114		$	2,552		$	2,064		$	1,951		$	280		$	245		$	2		$	12,208
	2012
	Beginning balance		$	4,629		$	3,528		$	2,734		$	3,877		$	349		$	150		$	3		$	15,270
	Charge-offs			(3,652	)		(1,687	)		(656	)		(623	)		(76	)		(314	)		(8	)		(7,016	)
	Recoveries			144			756			131			837			50			6			5			1,929
	Net charge-offs			(3,508	)		(931	)		(525	)		214			(26	)		(308	)		(3	)		(5,087	)
	Provision			4,824			30			116			(1,358	)		311			356			2			4,281
	Ending balance		$	5,945		$	2,627		$	2,325		$	2,733		$	634		$	198		$	2		$	14,464
	2011
	Beginning balance		$	4,168		$	2,532		$	2,094		$	3,753		$	547		$	135		$	73		$	13,302
	Charge-offs			(2,996	)		(4,224	)		(2,153	)		(2,930	)		(1	)		(788	)		-			(13,092	)
	Recoveries			73			5			75			299			-			17			-			469
	Net charge-offs			(2,923	)		(4,219	)		(2,078	)		(2,631	)		(1	)		(771	)		-			(12,623	)
	Provision			3,384			5,215			2,718			2,755			(197	)		786			(70	)		14,591
	Ending balance		$	4,629		$	3,528		$	2,734		$	3,877		$	349		$	150		$	3		$	15,270
	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 December 31, 2013:		(in thousands)
	Recorded Investment:
	Impaired loans with an allowance recorded		$	6,368		$	2,322		$	3,583		$	1,607		$	615		$	645		$	-		$	15,140
	Impaired loans with no allowance recorded			2,782			1,628			254			210			-			106			-			4,980
	Total loans individually evaluated for impairment			9,150			3,950			3,837			1,817			615			751			-			20,120
	Loans collectively evaluated for impairment			162,905			138,728			41,810			22,249			14,803			9,399			184			390,078
	Total loans held for investment		$	172,055		$	142,678		$	45,647		$	24,066		$	15,418		$	10,150		$	184		$	410,198
	Unpaid Principal Balance
	Impaired loans with an allowance recorded		$	6,962		$	2,367		$	3,956		$	8,045		$	630		$	664		$	-		$	22,624
	Impaired loans with no allowance recorded			4,536			3,834			235			1,610			-			244			-			10,459
	Total loans individually evaluated for impairment			11,498			6,201			4,191			9,655			630			908			-			33,083
	Loans collectively evaluated for impairment			162,905			138,728			41,810			22,249			14,803			9,399			184			390,078
	Total loans held for investment		$	174,403		$	144,929		$	46,001		$	31,904		$	15,433		$	10,307		$	184		$	423,161
	Related Allowance for Credit Losses
	Impaired loans with an allowance recorded		$	618		$	159		$	437		$	139		$	29		$	57		$	-		$	1,439
	Impaired loans with no allowance recorded			-			-			-			-			-			-			-			-
	Total loans individually evaluated for impairment			618			159			437			139			29			57			-			1,439
	Loans collectively evaluated for impairment			4,496			2,393			1,627			1,812			251			188			2			10,769
	Total loans held for investment		$	5,114		$	2,552		$	2,064		$	1,951		$	280		$	245		$	2		$	12,208
			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 table below reflects recorded investment in loans classified as impaired:
			December 31,
			2013			2012
			(in thousands)
	Impaired loans with a specific valuation allowance under ASC 310		$	15,140		$	12,163
	Impaired loans without a specific valuation allowance under ASC 310			4,980			17,484
	Total impaired loans		$	20,120		$	29,647
	Valuation allowance related to impaired loans		$	1,439		$	1,794
	The following tables summarize impaired loans by class of loans:
			December 31,
			2013			2012
			(in thousands)
	Manufactured housing		$	9,150		$	10,435
	Commercial real estate :
	Commercial real estate			2,805			10,615
	SBA 504 1st trust deed			1,005			1,293
	Land			140			-
	Construction			-			-
	Commercial			3,837			5,093
	SBA			1,817			1,741
	HELOC			615			269
	Single family real estate			751			201
	Consumer			-			-
	Total		$	20,120		$	29,647
	The following table summarizes the average investment in impaired loans by class and the related interest income recognized:
			Year Ended December 31,
			2013						2012						2011
			Average Investment			Interest			Average Investment			Interest			Average Investment			Interest
			in Impaired Loans			Income			in Impaired Loans			Income			in Impaired Loans			Income
			(in thousands)
	Manufactured housing		$	9,429		$	323		$	8,374		$	333		$	405		$	30
	Commercial real estate:
	Commercial real estate			7,638			146			17,552			315			15,293			575
	SBA 504 1st trust deed			1,128			7			3,897			159			3,405			420
	Land			28			7			-			-			563			-
	Construction			-			-			4,808			108			7,515			165
	Commercial			3,823			179			5,540			292			4,607			351
	SBA			1,506			198			1,800			176			3,048			101
	HELOC			372			5			255			13			-			-
	Single family real estate			511			11			324			10			-			-
	Consumer			-			-			5			-			16			1
	Total		$	24,435		$	876		$	42,555		$	1,406		$	34,852		$	1,643
	The Company is not committed to lend significant additional funds on these impaired loans.
	The following table summarizes nonperforming assets:
			December 31,
			2013			2012
			(in thousands)
	Nonaccrual loans, net		$	16,837		$	22,425
	Loans past due 90 days or more on accrual status			66			12
	Troubled debt restructured loans on accrual			3,283			7,222
	Total nonperforming loans			20,186			29,659
	Other assets acquired through foreclosure, net			3,811			1,889
	Total nonperforming assets		$	23,997		$	31,548
Recorded Investment in Certain Loans	'
	The following table reflects the recorded investment in certain types of loans at the periods indicated:
			Year Ended December 31,
			2013			2012			2011
			(in thousands)
	Nonaccrual loans		$	23,263		$	29,643		$	42,343
	SBA guaranteed portion of loans included above			(6,426	)		(7,218	)		(13,673	)
	Total nonaccrual loans, net		$	16,837		$	22,425		$	28,670
	Troubled debt restructured loans, gross		$	12,308		$	19,931		$	17,885
	Loans 30 through 89 days past due with interest accruing		$	161		$	521		$	3,114
	Interest income recognized on impaired loans		$	876		$	1,406		$	1,643
	Foregone interest on nonaccrual and troubled debt restructured loans		$	1,754		$	2,692		$	2,920
	Allowance for loan losses to gross loans held for investment			2.98	%		3.66	%		3.24	%
Composition of Net Nonaccrual Loans	'
	The following table presents the composition of nonaccrual loans, net of SBA guarantee, by class of loans:
			December 31,
			2013			2012
			(in thousands)
	Manufactured housing		$	6,235		$	7,542
	Commercial real estate:
	Commercial real estate			2,806			10,615
	SBA 504 1st trust deed			726			490
	Land			140			-
	Construction			-			-
	Commercial			3,837			1,945
	SBA			1,803			1,442
	HELOC			615			269
	Single family real estate			675			121
	Consumer			-			1
	Total		$	16,837		$	22,425
Schedule of Loans by Rating	'
	The following tables present gross loans by risk rating:
			31-Dec-13
						Special
			Pass			Mention			Substandard			Doubtful			Total
			(in thousands)
	Manufactured housing		$	158,533		$	-		$	13,522		$	-		$	172,055
	Commercial real estate:
	Commercial real estate			89,319			3,600			3,474			-			96,393
	SBA 504 1st trust deed			33,012			248			1,005			-			34,265
	Land			1,817			-			140			-			1,957
	Construction			10,063			-			-			-			10,063
	Commercial			41,147			327			4,150			23			45,647
	SBA			14,773			136			2,053			-			16,962
	HELOC			13,806			491			1,121			-			15,418
	Single family real estate			9,226			-			924			-			10,150
	Consumer			184			-			-			-			184
	Total, net		$	371,880		$	4,802		$	26,389		$	23		$	403,094
	SBA guarantee			-			-			6,719			385			7,104
	Total		$	371,880		$	4,802		$	33,108		$	408		$	410,198
			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 table presents information on the financial effects of troubled debt restructured loans by class for the periods presented:
			For the Year Ended December 31, 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		$	1,982		$	197		$	1,021			136		$	1,982			147
	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			385			32			385			263			147			6
	Total		$	7,120		$	546		$	1,406			152		$	6,882			110
	`		For the Year Ended December 31, 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		$	5,224		$	664		$	277			315		$	5,224			151
	Commercial real estate			830			61			-			-			830			70
	SBA 504 1st trust deed			489			5			-			-			489			228
	Construction			-			-			-			-			-			-
	Commercial			49			6			-			-			49			70
	SBA			117			26			-			-			117			57
	HELOC			203			36			-			-			203			70
	Single family real estate			80			11			-						80			180
	Consumer			-			-			-			-			-			-
	Total		$	6,992		$	809		$	277			315		$	6,992			145
	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:
			Year Ended December 31,
			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		$	456		$	11			7		$	202		$	5			4
	SBA 504 1st			-			-			-			173			-			1
	SBA			-			-			-			68			-			1
	Total		$	456		$	11			7		$	443		$	5			6
Aggregate Activity with Related Parties	'
	The following table summarizes the aggregate activity in such loans:
			Year Ended December 31,
			2013			2012
			(in thousands)
	Balance, beginning		$	4,560		$	3,733
	New loans			1,046			974
	Repayments and other			(790	)		(147	)
	Balance, ending		$	4,816		$	4,560

PREMISES_AND_EQUIPMENT_Tables

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2013
PREMISES AND EQUIPMENT [Abstract]	'
Premises and Equipment	'
		Year Ended December 31,
		2013			2012
		(in thousands)
	Bank Premises and land	$	1,400		$	1,408
	Furniture, fixtures and equipment		8,526			8,311
	Leasehold improvements		2,591			2,591
			12,517			12,310
	Accumulated depreciation		(9,534	)		(9,242	)
	Premises and equipment, net	$	2,983		$	3,068
Minimum lease commitments	'
	The Company leases certain premises under non-cancelable operating leases expiring through 2017.  The following is a schedule of future minimum rental payments under these leases at December 31, 2013:
		(in thousands)
	2014	$	828
	2015		723
	2016		653
	2017		173
	2018		-
	Thereafter		-
		$	2,377

OTHER_ASSETS_ACQUIRED_THROUGH_1

OTHER ASSETS ACQUIRED THROUGH FORECLOSURE (Tables)	12 Months Ended
	Dec. 31, 2013
OTHER ASSETS ACQUIRED THROUGH FORECLOSURE [Abstract]	'
Other assets acquired through foreclosure	'
	The following table summarizes the changes in other assets acquired through foreclosure:
		December 31,
		2013			2012			2011
		(in thousands)
	Balance, beginning of period	$	1,889		$	6,701		$	8,478
	Additions		6,084			7,329			7,417
	Dispositions and receivables from participants		(3,774	)		(10,980	)		(6,564	)
	Losses on sales, net		(388	)		(1,161	)		(2,630	)
	Balance, end of period	$	3,811		$	1,889		$	6,701

INCOME_TAXES_Tables

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2013
INCOME TAXES [Abstract]	'
Provision (benefit) for income taxes	'
	The provision for income taxes consisted of the following:
		December 31,
		2013			2012			2011
	Current:	(in thousands)
	Federal	$	1,430		$	(98	)	$	(1,545	)
	State		-			-			(3	)
			1,430			(98	)		(1,548	)
	Deferred:
	Federal		453			1,072			(372	)
	State		670			347			(689	)
			1,123			1,419			(1,061	)
	(Decrease) increase in deferred tax asset valuation allowance		(5,365	)		(1,321	)		6,686
	Total (benefit) provision for income taxes	$	(2,812	)	$	-		$	4,077
Effective income tax rate reconciliation	'
	The reconciliation between the statutory income tax rate and the Company’s effective tax rate follows:
		December 31,
		2013			2012			2011
	Federal income tax at statutory rate		34	%		34	%		(34.0	)%
	State franchise tax, net of federal benefit		7.2			7.2			(7.2	)
	Other		-			-			0.5
	(Benefit) provision related to deferred tax asset valuation allowance		(86.7	)		(41.2	)		104.3
	Total (benefit) provision for income taxes		(45.5	)%		-	%		63.6	%
Net deferred taxes	'
	The cumulative tax effects of the primary temporary differences are as shown in the following table:
		December 31,
		2013			2012
	Deferred Tax Assets:	(in thousands)
	Allowance for loan losses	$	4,829		$	5,681
	Unrealized loss on AFS securities		191			-
	State net operating loss		80			595
	Other		483			510
	Total gross deferred tax assets		5,583			6,786
	Deferred tax asset valuation allowance		-			(5,365	)
	Total deferred tax assets		5,583			1,421
	Deferred Tax Liabilities:
	Deferred state taxes		(447	)		(691	)
	Depreciation		(139	)		(145	)
	Other		(296	)		(377	)
	Total deferred tax liabilities		(882	)		(1,213	)
	Net deferred tax asset	$	4,701		$	208

DEPOSITS_Tables

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2013
DEPOSIT [Abstract]	'
Deposits and related interest expense	'
	The table below summarizes deposits and their related interest expense by type:
		Year Ended December 31,
		2013				2012				2011
				Interest				Interest				Interest
		Balance		Expense		Balance		Expense		Balance		Expense
		(in thousands)
	Non-interest bearing demand deposits	$	52,461	$	-	$	53,605	$	-	$	49,894	$	-
	Interest-bearing deposits:
	NOW accounts		20,367		35		20,120		73		23,401		281
	Money market deposit account		238,078		1,150		249,346		1,766		266,395		2,613
	Savings accounts		16,158		290		16,351		325		19,429		389
	Time deposits of $100,000 or more		95,979		1,166		80,710		1,609		113,336		2,123
	Other time deposits		13,092		275		14,088		357		38,807		545
	Total deposits	$	436,135	$	2,916	$	434,220	$	4,130	$	511,262	$	5,951
Maturities of time certificates of deposit	'
	The summary of the contractual maturities for all time deposits is as follows:
		(in thousands)
	2014	$	34,313
	2015		30,783
	2016		13,077
	2017		3,446
	2018		27,427
	Thereafter		25
		$	109,071

OTHER_BORROWINGS_AND_CONVERTIB1

OTHER BORROWINGS AND CONVERTIBLE DEBENTURES (Tables)	12 Months Ended
	Dec. 31, 2013
OTHER BORROWINGS AND CONVERTIBLE DEBENTURES [Abstract]	'
Financial information pertaining to advances from FHLB	'
	The following table summarizes the Company’s FHLB advances by maturity date:
		December 31,
		2013					2012
	Contractual Maturity Date	Amount		Rate			Amount		Rate
		(dollars in thousands)
	14-Nov-13	$	-		-		$	4,000		3.81	%
	5-May-14		4,000		2.88	%		4,000		2.88	%
	7-May-14		4,000		2.76	%		4,000		2.76	%
	19-May-14		4,000		2.79	%		4,000		2.79	%
	9-Oct-14		4,000		2.68	%		4,000		2.68	%
	17-Nov-14		4,000		2.78	%		4,000		2.78	%
	9-Mar-15		5,000		2.745	%		5,000		2.745	%
	4-May-15		5,000		2.735	%		5,000		2.735	%
	Total FHLB advances	$	30,000				$	34,000
	Weighted average rate				2.77	%				2.89	%

COMMITMENTS_AND_CONTINGENCIES_

COMMITMENTS AND CONTINGENCIES (Tables)	12 Months Ended
	Dec. 31, 2013
COMMITMENTS AND CONTINGENCIES [Abstract]	'
Summary of contractual amounts for unfunded commitments and letters of credit	'
	A summary of the contractual amounts for unfunded commitments and letters of credit are as follows:
		Year Ended December 31,
		2013		2012
		(in thousands)
	Commitments to extend credit	$	19,573	$	17,958
	Standby letters of credit		75		9
	Total	$	19,648	$	17,967

STOCKHOLDERS_EQUITY_Tables

STOCKHOLDERS' EQUITY (Tables)	12 Months Ended
	Dec. 31, 2013
STOCKHOLDERS' EQUITY [Abstract]	'
Option-pricing model assumptions	'
	A summary of the assumptions used in calculating the fair value of option awards during the years ended December 31, 2013, 2012 and 2011 are as follows:
		December 31,
		2013			2012			2011
	Expected life in years		6.3			5.8			6.4
	Risk-free interest rate		1.42	%		1.05	%		1.45	%
	Expected volatility		69.2	%		69	%		63.1	%
	Annual dividend rate		-	%		-	%		-	%
Stock option activity	'
	A summary of option activity under the plan is presented below:
		Year Ended December 31, 2013
		Option			Weighted Average			Weighted Average			Aggregate
		Shares			Exercise Price			Remaining Term			Intrinsic Value
		(in thousands, except exercise price and contractual terms)
	Outstanding options, beginning of period		447		$	5.38
	Granted		21			4.91
	Exercised		(7	)		3.24
	Forefeited or expired		(85	)		6.07
	Outstanding options, end of period		376		$	5.25			6.1		$	937
	Options exerciseable, end of period		241		$	6.56			4.8		$	443
	Options expected to vest, end of period		135		$	2.9			8.4		$	494
		Year Ended December 31, 2012
		Option			Weighted Average			Weighted Average			Aggregate
		Shares			Exercise Price			Remaining Term			Intrinsic Value
		(in thousands, except exercise price and contractual terms)
	Outstanding options, beginning of period		377		$	6.76
	Granted		147			2.92
	Exercised		(5	)		3.25
	Forefeited or expired		(72	)		7.68
	Outstanding options, end of period		447		$	5.38			6.1		$	160
	Options exerciseable, end of period		278		$	7			4.4		$	29
	Options expected to vest, end of period		169		$	2.72			9.1		$	131
		Year Ended December 31, 2011
		Option			Weighted Average			Weighted Average			Aggregate
		Shares			Exercise Price			Remaining Term			Intrinsic Value
		(in thousands, except exercise price and contractual terms)
	Outstanding options, beginning of period		429		$	7.15
	Granted		72			2.22
	Exercised		(7	)		3.38
	Forefeited or expired		(117	)		5.61
	Outstanding options, end of period		377		$	6.76			5.2		$	-
	Options exerciseable, end of period		275		$	8.04			3.8		$	-
	Options expected to vest, end of period		101		$	3.24			9		$	-
Unvested stock option	'
	The following table summarizes the change in unvested stock option shares during the year ended December 31, 2013:
					Weighted Average
		Number of			Grant-Date
		Option Shares			Fair Value
		(in thousands, except per share data)
	Unvested options, beginning of period		169		$	1.55
	Granted		21			3.11
	Vested		(41	)		1.56
	Forefeited		(14	)		1.69
	Unvested options, end of period		135		$	1.77

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	12 Months Ended
	Dec. 31, 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:
		Year Ended December 31,
		2013		2012		2011
		(in thousands, except per share amounts)
	Net income (loss)	$	8,986	$	3,173	$	(10,485	)
	Less: dividends and accretion on preferred stock		1,039		1,046		1,047
	Net income available to common stockholders	$	7,947	$	2,127	$	(11,532	)
	Add: debenture interest expense and costs, net of income taxes		244		430		-
	Net income for diluted calculation of earnings per common share	$	8,191	$	2,557	$	(11,532	)
	Weighted average number of common shares outstanding - basic		7,017		5,990		5,980
	Weighted average number of common shares outstanding - diluted		8,390		8,233		5,980
	Earnings per share:
	Basic	$	1.13	$	0.36	$	(1.93	)
	Diluted	$	0.98	$	0.31	$	(1.93	)

CAPITAL_REQUIREMENTS_Tables

CAPITAL REQUIREMENTS (Tables)	12 Months Ended
	Dec. 31, 2013
CAPITAL REQUIREMENTS [Abstract]	'
Total risk-based, Tier I risk-based and Tier I leverage ratios and values	'
	The Company’s and CWB’s capital amounts and ratios as of December 31, 2013 and 2012 are presented in the table below:
						Risk-		Adjusted		Total Risk-			Tier 1			Tier 1
		Total		Tier 1		Weighted		Average		Based Capital			Risk-Based			Leverage
		Capital		Capital		Assets		Assets		Ratio			Capital Ratio			Ratio
	31-Dec-13	(dollars in thousands)
	CWBC (Consolidated)	$	74,712	$	67,773	$	432,958	$	534,408		17.26	%		15.65	%		12.68	%
	Capital in excess of  well capitalized									$	31,416		$	41,796		$	41,053
	CWB	$	72,886	$	67,391	$	432,802	$	531,503		16.84	%		15.57	%		12.68	%
	Capital in excess of  well capitalized									$	29,606		$	41,423		$	40,816
	31-Dec-12
	CWBC (Consolidated)	$	66,076	$	52,941	$	413,378	$	544,778		15.98	%		12.81	%		9.72	%
	Capital in excess of  well capitalized									$	24,738		$	28,138		$	25,702
	CWB	$	63,089	$	57,808	$	413,199	$	540,985		15.27	%		13.99	%		10.69	%
	Capital in excess of  well capitalized									$	21,769		$	33,016		$	30,759
	Well-capitalized ratios										10	%		6	%		5	%
	Minimum capital ratios										8	%		4	%		4	%

FAIR_VALUE_MEASUREMENT_Tables

FAIR VALUE MEASUREMENT (Tables)	12 Months Ended
	Dec. 31, 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
	31-Dec-13	(Level 1)		(Level 2)		(Level 3)		Value
	Assets:	(in thousands)
	Investment securities available-for-sale	$	69	$	18,403	$	-	$	18,472
	Interest only strips		-		-		334		334
	Servicing assets		-		-		300		300
		$	69	$	18,403	$	634	$	19,106
		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 December 31, 2013:
	Impaired loans	$	18,681	$	-	$	4,980	$	13,701
	Loans held for sale		68,766		-		68,766		-
	Foreclosed real estate and repossesed assets		3,811		-		3,811		-
		$	91,258	$	-	$	77,557	$	13,701
	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 use of different market assumptions and/or estimation methodologies may have a material effect on the estimated fair value amounts.
		31-Dec-13
		Carrying		Fair Value
		Amount		Level 1		Level 2		Level 3		Total
	Financial assets:	(in thousands)
	Cash and cash equivalents	$	19,478	$	19,478	$	-	$	-	$	19,478
	Interest-bearing deposits in other financial institutions		99		99		-		-		99
	FRB and FHLB stock		3,243		-		3,243				3,243
	Investment securities		28,160		69		28,504		-		28,573
	Loans, net		462,005		-		455,765		13,701		469,466
	Financial liabilities:
	Deposits		327,064		-		327,064		-		327,064
	Time deposits		109,071		-		109,030		-		109,030
	Other borrowings		31,442		-		32,017		-		32,017
		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

ACCUMULATED_OTHER_COMPREHENSIV1

ACCUMULATED OTHER COMPREHENSIVE INCOME (Tables)	12 Months Ended
	Dec. 31, 2013
ACCUMULATED OTHER COMPREHENSIVE INCOME [Abstract]	'
Schedule of Accumulated Other Comprehensive Income (Loss)	'
	The following table summarizes the changes in other comprehensive income by component, net of tax for the period indicated:
		Year Ended
		December 31,
		2013			2012			2011
		Unrealized holding gains
		(losses) on AFS
		(in thousands)
	Beginning balance	$	35		$	139		$	179
	Other comprehensive income before reclassifications		(309	)		(5	)		(40	)
	Amounts reclassified from accumulated other comprehensive income		-			(99	)		-
	Net current-period other comprehensive income		(309	)		(104	)		(40	)
	Ending Balance	$	(274	)	$	35		$	139
Reclassification out of Accumulated Other Comprehensive Income	'
	The following table presents reclassifications out of accumulated other comprehensive income:
	Accumulated other comprehensive	Year Ended December 31,
	income components details	2013			2012			2011
		(in thousands)
	Unrealized gains and losses on AFS
		$	-		$	121		$	-		Realized gain on sale of investment securities
			-			(22	)		-		Income tax expense
		$	-		$	99		$	-		Net of tax

PARENT_COMPANY_FINANCIAL_INFOR1

PARENT COMPANY FINANCIAL INFORMATION (Tables)	12 Months Ended
	Dec. 31, 2013
PARENT COMPANY FINANCIAL INFORMATION [Abstract]	'
Balance Sheets	'
	COMMUNITY WEST BANCSHARES
	Condensed Balance Sheets
		December 31,
		2013			2012
		(in thousands)
	Assets:
	Cash and cash equivaletns (including interest-bearing deposits in other financial institutions)	$	3,227		$	3,704
	Investment in subsidiary		67,448			57,881
	Other assets		154			177
	Total assets	$	70,829		$	61,762
	Liabilities and Stockholders' Equity:
	Convertible debentures	$	1,442		$	7,852
	Other liabilities		1,557			896
	Total liabilities		2,999			8,748
	Preferred stock		15,600			15,341
	Common stock		40,165			33,555
	Retained earnings		12,065			4,118
	Total stockholders' equity		67,830			53,014
	Total liabilities and stockholders' equity	$	70,829		$	61,762
Income Statements	'
	COMMUNITY WEST BANCSHARES
	Condensed Income Statements
		December 31,
		2013			2012			2011
		(in thousands)
	Interest income	$	5		$	15		$	64
	Interest expense		442			717			709
	Net interest expense		(437	)		(702	)		(645	)
	Income (loss) from consolidated subsidiary		9,567			4,168			(9,859	)
	Other income		71			-			-
	Total income		9,638			3,466			(10,504	)
	Total non-interest expenses		215			293			396
	Income (loss) before income tax benefit		8,986			3,173			(10,900	)
	Income tax benefit		-			-			(415	)
	Net income (loss)		8,986			3,173			(10,485	)
	Preferred stock dividends		780			779			780
	Accretion on preferred stock discount		259			267			267
	Net income (loss) available to common stockholders'	$	7,947		$	2,127		$	(11,532	)
Statement of Cash Flows	'
	COMMUNITY WEST BANCSHARES
	Condensed Statements of Cash Flows
		December 31,
		2013			2012			2011
		(in thousands)
	Cash Flows from Operating Activities:
	Net income	$	8,986		$	3,173		$	(10,485	)
	Adjutments to reconcile net income (loss) to cash provided by operating activities:
	Equity in undistrubited (income) loss from subsidiary		(9,567	)		(4,168	)		9,859
	Stock-based compensation		59			117			33
	Changes in:
	Other assets		23			315			(16	)
	Other libilities		(2	)		35			(124	)
	Net cash used in operating activitities		(501	)		(528	)		(733	)
	Cash Flows from Investing Activities:
	Investment in subsidiaries		-			(1,000	)		-
	Net cash used in investing activitities		-			(1,000	)		-
	Cash Flows from Financing Activities:
	Preferred stock dividends paid		-			(195	)		(780	)
	Proceeds from issuance of common stock		24			16			25
	Net cash provided by (used in) financing activitities		24			(179	)		(755	)
	Net decrease in cash and cash equivalents		(477	)		(1,707	)		(1,488	)
	Cash and cash equivalents at beginning of year		3,704			5,411			6,899
	Cash and cash equivalents at end of year	$	3,227		$	3,704		$	5,411

QUARTERLY_FINANCIAL_DATA_UNAUD1

QUARTERLY FINANCIAL DATA (UNAUDITED) (Tables)	12 Months Ended
	Dec. 31, 2013
QUARTERLY FINANCIAL DATA (UNAUDITED) [Abstract]	'
Quarterly Statement of Operations	'
	18. QUARTERLY FINANCIAL DATA (UNAUDITED)
		December 31,
		2013
		First			Second			Third			Fourth
		Quarter			Quarter			Quarter			Quarter			Total
		(in thousands, except per share amounts)
	Results of Operations:
	Interest income	$	6,976		$	7,044		$	7,081		$	6,765		$	27,866
	Interest expense		1,166			1,161			1,047			958			4,332
	Net interest income		5,810			5,883			6,034			5,807			23,534
	Provision for loan losses		(196	)		(1,084	)		(1,563	)		899			(1,944	)
	Net interest income after provision for loan losses		6,006			6,967			7,597			4,908			25,478
	Non-interest income		755			783			661			632			2,831
	Non-interest expenses		5,672			5,624			5,623			5,216			22,135
	Income (loss) before income taxes		1,089			2,126			2,635			324			6,174
	Provision (benefit) for income taxes		-			-			-			(2,812	)		(2,812	)
	Net income (loss)		1,089			2,126			2,635			3,136			8,986
	Dividends and accretion on preferred stock		262			262			262			253			1,039
	Net income (loss) available to common stockholders	$	827		$	1,864		$	2,373		$	2,883		$	7,947
	Per Share Data:
	Income (loss) per common share - basic	$	0.14		$	0.3		$	0.3		$	0.37		$	1.11
	Income (loss) per common share - diluted	$	0.11		$	0.23		$	0.29		$	0.34		$	0.97
		December 31,
		2012
		First			Second			Third			Fourth
		Quarter			Quarter			Quarter			Quarter			Total
		(in thousands, except per share amounts)
	Results of Operations:
	Interest income	$	8,334		$	8,045		$	7,525		$	7,464		$	31,368
	Interest expense		1,793			1,477			1,403			1,276			5,949
	Net interest income		6,541			6,568			6,122			6,188			25,419
	Provision for loan losses		1,983			1,900			1,293			(895	)		4,281
	Net interest income after provision for loan losses		4,558			4,668			4,829			7,083			21,138
	Non-interest income		1,936			510			1,081			754			4,281
	Non-interest expenses		5,675			5,769			5,297			5,505			22,246
	Income (loss) before income taxes		819			(591	)		613			2,332			3,173
	Provision (benefit) for income taxes		-			-			-			-			-
	Net income (loss)		819			(591	)		613			2,332			3,173
	Dividends and accretion on preferred stock		262			268			253			263			1,046
	Net income (loss) available to common stockholders	$	557		$	(859	)	$	360		$	2,069		$	2,127
	Per Share Data:
	Income (loss) per common share - basic	$	0.09		$	(0.14	)	$	0.06		$	0.35		$	0.36
	Income (loss) per common share - diluted	$	0.08		$	(0.14	)	$	0.06		$	0.26		$	0.31

SUMMARY_OF_SIGNIFICANT_ACCOUNT3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
	Quarter	Segment
	Payment
	Segment
Business Segments [Abstract]	'	'
Number of reportable segments	1	1
Cash Reserve Requirement [Abstract]	'	'
Minimum period for cash reserve required	'14 days	'
Total reserve balance	$700,000	$0
Nonaccrual Loans [Abstract]	'	'
Period after which loans in accrual status	'90 days	'
Period before which credit card loans and other personal loans typically charged off	'180 days	'
Provision and Allowance for Loan Losses [Abstract]	'	'
Period of loss history used for determining the amount of allowance of loan losses	12	'
Number of delinquent payments	5	'
Threshold amount of loans for evaluation of impairment	500,000	'
Bank Owned Life Insurance [Abstract]	'	'
Cash surrender value of life insurance	$3,100,000	$1,100,000
Preferred Stock [Abstract]	'	'
Preferred stock, dividend rate (in hundredths)	5.00%	'
Preferred stock, increased dividend rate, percentage thereafter (in hundredths)	9.00%	'
Building Improvements [Member]	'	'
Property, Plant and Equipment [Line Items]	'	'
Estimated useful life of assets	'31 years 6 months	'
Minimum [Member] | Furniture and Equipment [Member]	'	'
Property, Plant and Equipment [Line Items]	'	'
Estimated useful life of assets	'5 years	'
Minimum [Member] | Electronic Equipment and Software [Member]	'	'
Property, Plant and Equipment [Line Items]	'	'
Estimated useful life of assets	'3 years	'
Maximum [Member] | Furniture and Equipment [Member]	'	'
Property, Plant and Equipment [Line Items]	'	'
Estimated useful life of assets	'10 years	'
Maximum [Member] | Electronic Equipment and Software [Member]	'	'
Property, Plant and Equipment [Line Items]	'	'
Estimated useful life of assets	'5 years	'
Commercial, Commercial Real Estate and SBA Loans [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]	'	'
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	'
Consumer [Member]	'	'
Provision and Allowance for Loan Losses [Abstract]	'	'
Period of past due after which loan is considered as uncollectible	'120 days	'

INVESTMENT_SECURITIES_Details

INVESTMENT SECURITIES (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Securities available-for-sale [Abstract]	'	'	'
Amortized cost	$18,937,000	$11,944,000	'
Gross unrealized gains	17,000	70,000	'
Gross unrealized (losses)	-482,000	-10,000	'
Fair value	18,472,000	12,004,000	'
Securities held-to-maturity [Abstract]	'	'	'
Amortized cost	9,688,000	12,036,000	'
Gross unrealized gains	442,000	729,000	'
Gross unrealized losses	-29,000	0	'
Fair value	10,101,000	12,765,000	'
Available-for-sale and held to maturity securities disclosure [Abstract]	'	'	'
Securities pledged as collateral	28,000,000	24,000,000	'
Proceeds from sale of available-for-sale securities	0	4,137,000	0
Gain on sale of available-for-sale securities	0	121,000	0
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	9,688,000	12,036,000	'
Gross unrealized gains	442,000	729,000	'
Gross unrealized losses	-29,000	0	'
Fair value	10,101,000	12,765,000	'
U.S. Government Agency [Member] | Notes [Member]	'	'	'
Securities available-for-sale [Abstract]	'	'	'
Amortized cost	7,867,000	1,998,000	'
Gross unrealized gains	0	0	'
Gross unrealized (losses)	-389,000	-10,000	'
Fair value	7,478,000	1,988,000	'
U.S. Government Agency [Member] | MBS [Member]	'	'	'
Securities available-for-sale [Abstract]	'	'	'
Amortized cost	61,000	163,000	'
Gross unrealized gains	3,000	8,000	'
Gross unrealized (losses)	0	0	'
Fair value	64,000	171,000	'
U.S. Government Agency [Member] | CMO [Member]	'	'	'
Securities available-for-sale [Abstract]	'	'	'
Amortized cost	10,943,000	9,783,000	'
Gross unrealized gains	11,000	62,000	'
Gross unrealized (losses)	-93,000	0	'
Fair value	10,861,000	9,845,000	'
Equity Securities [Member] | Farmer Mac class A stock [Member]	'	'	'
Securities available-for-sale [Abstract]	'	'	'
Amortized cost	66,000	'	'
Gross unrealized gains	3,000	'	'
Gross unrealized (losses)	0	'	'
Fair value	$69,000	'	'

INVESTMENT_SECURITIES_Maturity

INVESTMENT SECURITIES, Maturity Periods and Weighted Average Yields (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Maturity periods and weighted average yields of investment securities available-for-sale [Abstract]	'	'
Less than One Year, Amount	$7,478	$4,913
Less than One Year, Yield (in hundredths)	1.90%	1.00%
One to Five Years, Amount	5,075	6,920
One to Five Years, Yield (in hundredths)	0.60%	0.70%
Five to Ten Years, Amount	3,918	171
Five to Ten Years, Yield (in hundredths)	0.60%	2.70%
Over Ten Years, Amount	1,932	0
Over Ten Years, Yield (in hundredths)	0.90%	0.00%
Total Amount	18,472	12,004
Total Yield (in hundredths)	1.20%	0.90%
Maturity periods and weighted average yields of investment securities held-to-maturity [Abstract]	'	'
Less than One Year, Amount	0	0
Less than One Year, Yield (in hundredths)	0.00%	0.00%
One to Five Years, Amount	2,641	4,051
One to Five Years, Yield (in hundredths)	4.40%	4.40%
Five to Ten Years, Amount	7,047	7,985
Five to Ten Years, Yield (in hundredths)	2.70%	2.90%
Over Ten Years, Amount	0	0
Over Ten Years, Yield (in hundredths)	0.00%	0.00%
Total Amount	9,688	12,036
Total Yield (in hundredths)	3.10%	3.40%
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	0
Less than One Year, Yield (in hundredths)	0.00%	0.00%
One to Five Years, Amount	2,641	4,051
One to Five Years, Yield (in hundredths)	4.40%	4.40%
Five to Ten Years, Amount	7,047	7,985
Five to Ten Years, Yield (in hundredths)	2.70%	2.90%
Over Ten Years, Amount	0	0
Over Ten Years, Yield (in hundredths)	0.00%	0.00%
Total Amount	9,688	12,036
Total Yield (in hundredths)	3.10%	3.40%
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	69	'
Total Yield (in hundredths)	0.00%	'
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	7,478	1,988
Less than One Year, Yield (in hundredths)	1.90%	1.00%
One to Five Years, Amount	0	0
One to Five Years, Yield (in hundredths)	0.00%	0.00%
Five to Ten Years, Amount	0	0
Five to Ten Years, Yield (in hundredths)	0.00%	0.00%
Over Ten Years, Amount	0	0
Over Ten Years, Yield (in hundredths)	0.00%	0.00%
Total Amount	7,478	1,988
Total Yield (in hundredths)	1.90%	1.00%
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	0
Less than One Year, Yield (in hundredths)	0.00%	0.00%
One to Five Years, Amount	0	0
One to Five Years, Yield (in hundredths)	0.00%	0.00%
Five to Ten Years, Amount	64	171
Five to Ten Years, Yield (in hundredths)	2.20%	2.70%
Over Ten Years, Amount	0	0
Over Ten Years, Yield (in hundredths)	0.00%	0.00%
Total Amount	64	171
Total Yield (in hundredths)	2.20%	2.70%
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	2,925
Less than One Year, Yield (in hundredths)	0.00%	1.10%
One to Five Years, Amount	5,075	6,920
One to Five Years, Yield (in hundredths)	0.60%	0.70%
Five to Ten Years, Amount	3,854	0
Five to Ten Years, Yield (in hundredths)	0.60%	0.00%
Over Ten Years, Amount	1,932	0
Over Ten Years, Yield (in hundredths)	0.90%	0.00%
Total Amount	$10,861	$9,845
Total Yield (in hundredths)	0.70%	0.80%

INVESTMENT_SECURITIES_Amortize

INVESTMENT SECURITIES, Amortized Cost and Fair Value of Securities (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Securities available-for-sale, Amortized Cost [Abstract]	'	'
Due in one year or less	$7,867	$4,923
After one year through five years	5,070	6,858
After five years through ten years	3,945	163
After ten years	1,989	0
Farmer Mac class A stock	66	0
Total	18,937	11,944
Securities available for sale, Estimated Fair Value [Abstract]	'	'
Due in one year or less	7,478	4,913
After one year through five years	5,075	6,920
After five years through ten years	3,918	171
After ten years	1,932	0
Farmer Mac class A stock	69	0
Total	18,472	12,004
Securities held to maturity, Amortized Cost [Abstract]	'	'
Due in one year or less	0	0
After one year through five years	2,641	4,051
After five years through ten years	7,047	7,985
After ten years	0	0
Total	9,688	12,036
Securities held to maturity, Estimated Fair Value [Abstract]	'	'
Due in one year or less	0	0
After one year through five years	2,815	4,314
After five years through ten years	7,286	8,451
After ten years	0	0
Total	$10,101	$12,765

INVESTMENT_SECURITIES_Unrealiz

INVESTMENT SECURITIES, Unrealized Loss Positions (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Security	Security
Securities available-for-sale, continuous unrealized loss position [Abstract]	'	'
Less than 12 months, Gross Unrealized Losses	$482	$11
Less than 12 months, Fair Value	14,436	2,864
More than 12 months, Gross Unrealized Losses	0	1
More than 12 months, Fair Value	0	411
Total, Gross Unrealized Loss	482	12
Total, Fair Value	14,436	3,275
Securities held-to-maturity, continuous unrealized loss position [Abstract]	'	'
Less than 12 months, Fair Value	1,063	'
Less than 12 months, Gross Unrealized Losses	29	'
More than 12 months, Fair Value	0	'
More than 12 months, Gross Unrealized Losses	0	'
Total, Fair Value	1,063	'
Total, Gross Unrealized Loss	29	0
Securities in unrealized loss positions	9	4
U.S. Government Agency [Member] | MBS [Member]	'	'
Securities held-to-maturity, continuous unrealized loss position [Abstract]	'	'
Less than 12 months, Fair Value	1,063	'
Less than 12 months, Gross Unrealized Losses	29	'
More than 12 months, Fair Value	0	'
More than 12 months, Gross Unrealized Losses	0	'
Total, Fair Value	1,063	'
Total, Gross Unrealized Loss	29	0
U.S. Government Agency [Member] | Notes [Member]	'	'
Securities available-for-sale, continuous unrealized loss position [Abstract]	'	'
Less than 12 months, Gross Unrealized Losses	389	10
Less than 12 months, Fair Value	7,478	1,988
More than 12 months, Gross Unrealized Losses	0	0
More than 12 months, Fair Value	0	0
Total, Gross Unrealized Loss	389	10
Total, Fair Value	7,478	1,988
U.S. Government Agency [Member] | CMO [Member]	'	'
Securities available-for-sale, continuous unrealized loss position [Abstract]	'	'
Less than 12 months, Gross Unrealized Losses	93	1
Less than 12 months, Fair Value	6,958	876
More than 12 months, Gross Unrealized Losses	0	1
More than 12 months, Fair Value	0	411
Total, Gross Unrealized Loss	93	2
Total, Fair Value	6,958	1,287
Equity Securities [Member] | Farmer Mac class A stock [Member]	'	'
Securities available-for-sale, continuous unrealized loss position [Abstract]	'	'
Less than 12 months, Gross Unrealized Losses	0	'
Less than 12 months, Fair Value	0	'
More than 12 months, Gross Unrealized Losses	0	'
More than 12 months, Fair Value	0	'
Total, Gross Unrealized Loss	0	'
Total, Fair Value	$0	'

LOAN_SALES_AND_SERVICING_SBA_L

LOAN SALES AND SERVICING, SBA Loans (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2012	Dec. 31, 2013
			SBA [Member]	SBA [Member]	US Department of Agriculture [Member]	US Department of Agriculture [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%	'	'	'
Servicing liability	$30,000	$39,000	'	'	'	'
Loans included in loans held for sale	64,399,000	68,694,000	47,600,000	55,700,000	4,800,000	16,800,000
Principal balance of loan serviced	'	'	30,700,000	39,700,000	2,500,000	2,500,000
Sale of loans	'	'	'	'	$2,500,000	'

LOAN_SALES_AND_SERVICING_Inter

LOAN SALES AND SERVICING, Interest Only Strips (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Interest only strips accounted for under fair value method [Roll Forward]	'	'	'
Beginning balance	$426	$419	$492
Adjustment to fair value	-92	7	-73
Ending balance	334	426	419
Interest only strips key data assumptions for fair value [Abstract]	'	'	'
Weighted-average constant prepayment rate (in hundredths)	5.24%	5.13%	'
Weighted-average life (in years)	'6 years	'6 years	'
Weighted-average discount rate (in hundredths)	12.89%	12.61%	'
Discount Rate [Abstract]	'	'	'
Increase in fair value from 100 basis point decrease	9	13	'
Decrease in fair value from 100 basis point increase	-9	-12	'
Constant Prepayment Rate [Abstract]	'	'	'
Increase in fair value from 10 percent decrease	5	6	'
Decrease in fair value from 10 percent increase	($5)	($6)	'

LOAN_SALES_AND_SERVICING_Servi

LOAN SALES AND SERVICING, Servicing Rights (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Servicing rights accounted for under the amortization method [Roll Forward]	'	'	'
Beginning balance	$383	$625	$782
Amortization	-115	-242	-157
Ending balance	268	383	625
Servicing rights accounted for under the fair value method [Roll Forward]	'	'	'
Beginning balance	348	0	0
Additions through loan sales	0	349	0
Adjustment to fair value	-48	-1	0
Ending balance	300	348	0
Assumptions used in estimating the fair value of servicing rights [Abstract]	'	'	'
Weighted-average constant prepayment rate (in hundredths)	5.04%	4.56%	'
Weighted-average life (in years)	'9 years	'9 years	'
Weighted-average discount rate (in hundredths)	12.93%	13.51%	'
Discount Rate [Abstract]	'	'	'
Increase in fair value from 100 basis points decrease	12	15	'
Decrease in fair value from 100 basis points increase	-12	-14	'
Constant Prepayment Rate [Abstract]	'	'	'
Increase in fair value from 10 percent decrease	6	6	'
Decrease in fair value from 10 percent increase	($6)	($6)	'

LOAN_SALES_AND_SERVICING_Mortg

LOAN SALES AND SERVICING, Mortgage Loans (Details) (USD $)	12 Months Ended
In Millions, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
	Commitment
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	$0	$15.80

LOANS_HELD_FOR_INVESTMENT_Deta

LOANS HELD FOR INVESTMENT (Details) (USD $)	Dec. 31, 2013		Dec. 31, 2012
In Thousands, unless otherwise specified
Loans held for investment [Abstract]	'		'
Loan held for investment, gross	$410,198		$395,275
Allowance for loan losses	12,208		14,464
Deferred costs, net	45		-128
Discount on SBA loans	339		432
Total loans held for investment, net	397,606		380,507
Manufactured Housing [Member]	'		'
Loans held for investment [Abstract]	'		'
Loan held for investment, gross	172,055		177,391
Commercial Real Estate [Member]	'		'
Loans held for investment [Abstract]	'		'
Loan held for investment, gross	142,678		126,677
Commercial [Member]	'		'
Loans held for investment [Abstract]	'		'
Loan held for investment, gross	45,647		32,496
SBA [Member]	'		'
Loans held for investment [Abstract]	'		'
Loan held for investment, gross	24,066	[1]	30,688	[2]
HELOC [Member]	'		'
Loans held for investment [Abstract]	'		'
Loan held for investment, gross	15,418		17,852
Single Family Real Estate [Member]	'		'
Loans held for investment [Abstract]	'		'
Loan held for investment, gross	10,150		9,939
Consumer [Member]	'		'
Loans held for investment [Abstract]	'		'
Loan held for investment, gross	$184		$232
[1]	$0.4 million of the $0.5 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_Fina

LOANS HELD FOR INVESTMENT, Financing Receivables Past Due (Details) (USD $)	Dec. 31, 2013		Dec. 31, 2012
Aging of loans held for investment [Abstract]	'		'
Current	$407,597,000		$386,305,000
30-59 days past due	1,432,000		1,252,000
60-89 days past due	135,000		258,000
Over 90 days past due	1,034,000		7,460,000
Total past due	2,601,000		8,970,000
Total loans held for investment	410,198,000		395,275,000
Recorded investment > 90 days and accruing	66,000		12,000
SBA Guaranteed Loans [Member]	'		'
Aging of loans held for investment [Abstract]	'		'
Total loans held for investment	7,104,000		10,314,000
Manufactured Housing [Member]	'		'
Aging of loans held for investment [Abstract]	'		'
Current	170,647,000		176,249,000
30-59 days past due	1,076,000		467,000
60-89 days past due	135,000		258,000
Over 90 days past due	197,000		417,000
Total past due	1,408,000		1,142,000
Total loans held for investment	172,055,000		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	142,678,000		126,677,000
Commercial Real Estate [Member] | Commercial Real Estate [Member]	'		'
Aging of loans held for investment [Abstract]	'		'
Current	96,393,000		81,682,000
30-59 days past due	0		0
60-89 days past due	0		0
Over 90 days past due	0		830,000
Total past due	0		830,000
Total loans held for investment	96,393,000		82,512,000
Recorded investment > 90 days and accruing	0		0
Commercial Real Estate [Member] | SBA 504 1st TD [Member]	'		'
Aging of loans held for investment [Abstract]	'		'
Current	33,798,000		34,502,000
30-59 days past due	0		0
60-89 days past due	0		0
Over 90 days past due	467,000		0
Total past due	467,000		0
Total loans held for investment	34,265,000		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	1,817,000		4,556,000
30-59 days past due	140,000		0
60-89 days past due	0		0
Over 90 days past due	0		0
Total past due	140,000		0
Total loans held for investment	1,957,000		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	10,063,000		5,107,000
30-59 days past due	0		0
60-89 days past due	0		0
Over 90 days past due	0		0
Total past due	0		0
Total loans held for investment	10,063,000		5,107,000
Recorded investment > 90 days and accruing	0		0
Commercial [Member]	'		'
Aging of loans held for investment [Abstract]	'		'
Current	45,605,000		32,324,000
30-59 days past due	42,000		40,000
60-89 days past due	0		0
Over 90 days past due	0		132,000
Total past due	42,000		172,000
Total loans held for investment	45,647,000		32,496,000
Recorded investment > 90 days and accruing	0		0
SBA [Member]	'		'
Aging of loans held for investment [Abstract]	'		'
Current	23,613,000	[1]	23,906,000	[2]
30-59 days past due	149,000	[1]	713,000	[2]
60-89 days past due	0	[1]	0	[2]
Over 90 days past due	304,000	[1]	6,069,000	[2]
Total past due	453,000	[1]	6,782,000	[2]
Total loans held for investment	24,066,000	[1]	30,688,000	[2]
Recorded investment > 90 days and accruing	0	[1]	0	[2]
SBA [Member] | SBA Guaranteed Loans [Member]	'		'
Aging of loans held for investment [Abstract]	'		'
Guaranteed past due loans	400,000		5,600,000
HELOC [Member]	'		'
Aging of loans held for investment [Abstract]	'		'
Current	15,393,000		17,852,000
30-59 days past due	25,000		0
60-89 days past due	0		0
Over 90 days past due	0		0
Total past due	25,000		0
Total loans held for investment	15,418,000		17,852,000
Recorded investment > 90 days and accruing	0		0
Single Family Real Estate [Member]	'		'
Aging of loans held for investment [Abstract]	'		'
Current	10,084,000		9,895,000
30-59 days past due	0		32,000
60-89 days past due	0		0
Over 90 days past due	66,000		12,000
Total past due	66,000		44,000
Total loans held for investment	10,150,000		9,939,000
Recorded investment > 90 days and accruing	66,000		12,000
Consumer [Member]	'		'
Aging of loans held for investment [Abstract]	'		'
Current	184,000		232,000
30-59 days past due	0		0
60-89 days past due	0		0
Over 90 days past due	0		0
Total past due	0		0
Total loans held for investment	184,000		232,000
Recorded investment > 90 days and accruing	'		$0
[1]	$0.4 million of the $0.5 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								12 Months Ended
	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Beginning balance	'	'	'	$14,464,000	'	'	'	$15,270,000	$14,464,000	$15,270,000	$13,302,000
Charge-offs	'	'	'	'	'	'	'	'	-2,594,000	-7,016,000	-13,092,000
Recoveries	'	'	'	'	'	'	'	'	2,282,000	1,929,000	469,000
Net charge-offs	'	'	'	'	'	'	'	'	-312,000	-5,087,000	-12,623,000
Provision	899,000	-1,563,000	-1,084,000	-196,000	-895,000	1,293,000	1,900,000	1,983,000	-1,944,000	4,281,000	14,591,000
Ending balance	12,208,000	'	'	'	14,464,000	'	'	'	12,208,000	14,464,000	15,270,000
Reserve for credit losses on undisbursed loans	100,000	'	'	'	100,000	'	'	'	100,000	100,000	'
Manufactured Housing [Member]	'	'	'	'	'	'	'	'	'	'	'
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Beginning balance	'	'	'	5,945,000	'	'	'	4,629,000	5,945,000	4,629,000	4,168,000
Charge-offs	'	'	'	'	'	'	'	'	-1,294,000	-3,652,000	-2,996,000
Recoveries	'	'	'	'	'	'	'	'	257,000	144,000	73,000
Net charge-offs	'	'	'	'	'	'	'	'	-1,037,000	-3,508,000	-2,923,000
Provision	'	'	'	'	'	'	'	'	206,000	4,824,000	3,384,000
Ending balance	5,114,000	'	'	'	5,945,000	'	'	'	5,114,000	5,945,000	4,629,000
Commercial Real Estate [Member]	'	'	'	'	'	'	'	'	'	'	'
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Beginning balance	'	'	'	2,627,000	'	'	'	3,528,000	2,627,000	3,528,000	2,532,000
Charge-offs	'	'	'	'	'	'	'	'	-349,000	-1,687,000	-4,224,000
Recoveries	'	'	'	'	'	'	'	'	1,243,000	756,000	5,000
Net charge-offs	'	'	'	'	'	'	'	'	894,000	-931,000	-4,219,000
Provision	'	'	'	'	'	'	'	'	-969,000	30,000	5,215,000
Ending balance	2,552,000	'	'	'	2,627,000	'	'	'	2,552,000	2,627,000	3,528,000
Commercial [Member]	'	'	'	'	'	'	'	'	'	'	'
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Beginning balance	'	'	'	2,325,000	'	'	'	2,734,000	2,325,000	2,734,000	2,094,000
Charge-offs	'	'	'	'	'	'	'	'	-149,000	-656,000	-2,153,000
Recoveries	'	'	'	'	'	'	'	'	212,000	131,000	75,000
Net charge-offs	'	'	'	'	'	'	'	'	63,000	-525,000	-2,078,000
Provision	'	'	'	'	'	'	'	'	-324,000	116,000	2,718,000
Ending balance	2,064,000	'	'	'	2,325,000	'	'	'	2,064,000	2,325,000	2,734,000
SBA [Member]	'	'	'	'	'	'	'	'	'	'	'
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Beginning balance	'	'	'	2,733,000	'	'	'	3,877,000	2,733,000	3,877,000	3,753,000
Charge-offs	'	'	'	'	'	'	'	'	-547,000	-623,000	-2,930,000
Recoveries	'	'	'	'	'	'	'	'	559,000	837,000	299,000
Net charge-offs	'	'	'	'	'	'	'	'	12,000	214,000	-2,631,000
Provision	'	'	'	'	'	'	'	'	-794,000	-1,358,000	2,755,000
Ending balance	1,951,000	'	'	'	2,733,000	'	'	'	1,951,000	2,733,000	3,877,000
HELOC [Member]	'	'	'	'	'	'	'	'	'	'	'
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Beginning balance	'	'	'	634,000	'	'	'	349,000	634,000	349,000	547,000
Charge-offs	'	'	'	'	'	'	'	'	-39,000	-76,000	-1,000
Recoveries	'	'	'	'	'	'	'	'	3,000	50,000	0
Net charge-offs	'	'	'	'	'	'	'	'	-36,000	-26,000	-1,000
Provision	'	'	'	'	'	'	'	'	-318,000	311,000	-197,000
Ending balance	280,000	'	'	'	634,000	'	'	'	280,000	634,000	349,000
Single Family Real Estate [Member]	'	'	'	'	'	'	'	'	'	'	'
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Beginning balance	'	'	'	198,000	'	'	'	150,000	198,000	150,000	135,000
Charge-offs	'	'	'	'	'	'	'	'	-179,000	-314,000	-788,000
Recoveries	'	'	'	'	'	'	'	'	8,000	6,000	17,000
Net charge-offs	'	'	'	'	'	'	'	'	-171,000	-308,000	-771,000
Provision	'	'	'	'	'	'	'	'	218,000	356,000	786,000
Ending balance	245,000	'	'	'	198,000	'	'	'	245,000	198,000	150,000
Consumer [Member]	'	'	'	'	'	'	'	'	'	'	'
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Beginning balance	'	'	'	2,000	'	'	'	3,000	2,000	3,000	73,000
Charge-offs	'	'	'	'	'	'	'	'	-37,000	-8,000	0
Recoveries	'	'	'	'	'	'	'	'	0	5,000	0
Net charge-offs	'	'	'	'	'	'	'	'	-37,000	-3,000	0
Provision	'	'	'	'	'	'	'	'	37,000	2,000	-70,000
Ending balance	$2,000	'	'	'	$2,000	'	'	'	$2,000	$2,000	$3,000

LOANS_HELD_FOR_INVESTMENT_Impa

LOANS HELD FOR INVESTMENT, Impaired Financing Receivables (Details) (USD $)	Dec. 31, 2013		Dec. 31, 2012		Dec. 31, 2011	Dec. 31, 2010
In Thousands, unless otherwise specified
Recorded Investment [Abstract]	'		'		'	'
Impaired loans with an allowance recorded	$15,140		$12,163		'	'
Impaired loans with no allowance recorded	4,980		17,484		'	'
Total loans individually evaluated for impairment	20,120		29,647		'	'
Loans collectively evaluated for impairment	390,078		365,628		'	'
Total loans held for investment	410,198		395,275		'	'
Unpaid Principal Balance [Abstract]	'		'		'	'
Impaired loans with an allowance recorded	22,624		14,809		'	'
Impaired loans with no allowance recorded	10,459		31,435		'	'
Total loans individually evaluated for impairment	33,083		46,244		'	'
Loans collectively evaluated for impairment	390,078		365,628		'	'
Total loans held for investment	423,161		411,872		'	'
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]	'		'		'	'
Impaired loans with an allowance recorded	1,439		1,794		'	'
Impaired loans with no allowance recorded	0		0		'	'
Total loans individually evaluated for impairment	1,439		1,794		'	'
Loans collectively evaluated for impairment	10,769		12,670		'	'
Total loans held for investment	12,208		14,464		15,270	13,302
Impaired loans with a specific valuation allowance under ASC 310	15,140		12,163		'	'
Impaired loans wihout a specific valuation allowance under ASC 310	4,980		17,484		'	'
Impaired loans	20,120		29,647		'	'
Valuation allowance related to impaired loans	1,439		1,794		'	'
Manufactured Housing [Member]	'		'		'	'
Recorded Investment [Abstract]	'		'		'	'
Impaired loans with an allowance recorded	6,368		5,748		'	'
Impaired loans with no allowance recorded	2,782		4,687		'	'
Total loans individually evaluated for impairment	9,150		10,435		'	'
Loans collectively evaluated for impairment	162,905		166,956		'	'
Total loans held for investment	172,055		177,391		'	'
Unpaid Principal Balance [Abstract]	'		'		'	'
Impaired loans with an allowance recorded	6,962		5,922		'	'
Impaired loans with no allowance recorded	4,536		6,828		'	'
Total loans individually evaluated for impairment	11,498		12,750		'	'
Loans collectively evaluated for impairment	162,905		166,956		'	'
Total loans held for investment	174,403		179,706		'	'
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]	'		'		'	'
Impaired loans with an allowance recorded	618		1,103		'	'
Impaired loans with no allowance recorded	0		0		'	'
Total loans individually evaluated for impairment	618		1,103		'	'
Loans collectively evaluated for impairment	4,496		4,842		'	'
Total loans held for investment	5,114		5,945		4,629	4,168
Impaired loans with a specific valuation allowance under ASC 310	6,368		5,748		'	'
Impaired loans wihout a specific valuation allowance under ASC 310	2,782		4,687		'	'
Impaired loans	9,150		10,435		'	'
Commercial Real Estate [Member]	'		'		'	'
Recorded Investment [Abstract]	'		'		'	'
Impaired loans with an allowance recorded	2,322		519		'	'
Impaired loans with no allowance recorded	1,628		11,389		'	'
Total loans individually evaluated for impairment	3,950		11,908		'	'
Loans collectively evaluated for impairment	138,728		114,769		'	'
Total loans held for investment	142,678		126,677		'	'
Unpaid Principal Balance [Abstract]	'		'		'	'
Impaired loans with an allowance recorded	2,367		570		'	'
Impaired loans with no allowance recorded	3,834		17,624		'	'
Total loans individually evaluated for impairment	6,201		18,194		'	'
Loans collectively evaluated for impairment	138,728		114,769		'	'
Total loans held for investment	144,929		132,963		'	'
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]	'		'		'	'
Impaired loans with an allowance recorded	159		4		'	'
Impaired loans with no allowance recorded	0		0		'	'
Total loans individually evaluated for impairment	159		4		'	'
Loans collectively evaluated for impairment	2,393		2,623		'	'
Total loans held for investment	2,552		2,627		3,528	2,532
Impaired loans with a specific valuation allowance under ASC 310	2,322		519		'	'
Impaired loans wihout a specific valuation allowance under ASC 310	1,628		11,389		'	'
Commercial [Member]	'		'		'	'
Recorded Investment [Abstract]	'		'		'	'
Impaired loans with an allowance recorded	3,583		5,044		'	'
Impaired loans with no allowance recorded	254		49		'	'
Total loans individually evaluated for impairment	3,837		5,093		'	'
Loans collectively evaluated for impairment	41,810		27,403		'	'
Total loans held for investment	45,647		32,496		'	'
Unpaid Principal Balance [Abstract]	'		'		'	'
Impaired loans with an allowance recorded	3,956		5,430		'	'
Impaired loans with no allowance recorded	235		50		'	'
Total loans individually evaluated for impairment	4,191		5,480		'	'
Loans collectively evaluated for impairment	41,810		27,403		'	'
Total loans held for investment	46,001		32,883		'	'
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]	'		'		'	'
Impaired loans with an allowance recorded	437		569		'	'
Impaired loans with no allowance recorded	0		0		'	'
Total loans individually evaluated for impairment	437		569		'	'
Loans collectively evaluated for impairment	1,627		1,756		'	'
Total loans held for investment	2,064		2,325		2,734	2,094
Impaired loans with a specific valuation allowance under ASC 310	3,583		5,044		'	'
Impaired loans wihout a specific valuation allowance under ASC 310	254		49		'	'
Impaired loans	3,837		5,093		'	'
SBA [Member]	'		'		'	'
Recorded Investment [Abstract]	'		'		'	'
Impaired loans with an allowance recorded	1,607		503		'	'
Impaired loans with no allowance recorded	210		1,238		'	'
Total loans individually evaluated for impairment	1,817		1,741		'	'
Loans collectively evaluated for impairment	22,249		28,947		'	'
Total loans held for investment	24,066	[1]	30,688	[2]	'	'
Unpaid Principal Balance [Abstract]	'		'		'	'
Impaired loans with an allowance recorded	8,045		2,536		'	'
Impaired loans with no allowance recorded	1,610		6,736		'	'
Total loans individually evaluated for impairment	9,655		9,272		'	'
Loans collectively evaluated for impairment	22,249		28,947		'	'
Total loans held for investment	31,904		38,219		'	'
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]	'		'		'	'
Impaired loans with an allowance recorded	139		58		'	'
Impaired loans with no allowance recorded	0		0		'	'
Total loans individually evaluated for impairment	139		58		'	'
Loans collectively evaluated for impairment	1,812		2,675		'	'
Total loans held for investment	1,951		2,733		3,877	3,753
Impaired loans with a specific valuation allowance under ASC 310	1,607		503		'	'
Impaired loans wihout a specific valuation allowance under ASC 310	210		1,238		'	'
Impaired loans	1,817		1,741		'	'
HELOC [Member]	'		'		'	'
Recorded Investment [Abstract]	'		'		'	'
Impaired loans with an allowance recorded	615		269		'	'
Impaired loans with no allowance recorded	0		0		'	'
Total loans individually evaluated for impairment	615		269		'	'
Loans collectively evaluated for impairment	14,803		17,583		'	'
Total loans held for investment	15,418		17,852		'	'
Unpaid Principal Balance [Abstract]	'		'		'	'
Impaired loans with an allowance recorded	630		271		'	'
Impaired loans with no allowance recorded	0		0		'	'
Total loans individually evaluated for impairment	630		271		'	'
Loans collectively evaluated for impairment	14,803		17,583		'	'
Total loans held for investment	15,433		17,854		'	'
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]	'		'		'	'
Impaired loans with an allowance recorded	29		49		'	'
Impaired loans with no allowance recorded	0		0		'	'
Total loans individually evaluated for impairment	29		49		'	'
Loans collectively evaluated for impairment	251		585		'	'
Total loans held for investment	280		634		349	547
Impaired loans with a specific valuation allowance under ASC 310	615		269		'	'
Impaired loans wihout a specific valuation allowance under ASC 310	0		0		'	'
Impaired loans	615		269		'	'
Single Family Real Estate [Member]	'		'		'	'
Recorded Investment [Abstract]	'		'		'	'
Impaired loans with an allowance recorded	645		80		'	'
Impaired loans with no allowance recorded	106		121		'	'
Total loans individually evaluated for impairment	751		201		'	'
Loans collectively evaluated for impairment	9,399		9,738		'	'
Total loans held for investment	10,150		9,939		'	'
Unpaid Principal Balance [Abstract]	'		'		'	'
Impaired loans with an allowance recorded	664		80		'	'
Impaired loans with no allowance recorded	244		197		'	'
Total loans individually evaluated for impairment	908		277		'	'
Loans collectively evaluated for impairment	9,399		9,738		'	'
Total loans held for investment	10,307		10,015		'	'
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]	'		'		'	'
Impaired loans with an allowance recorded	57		11		'	'
Impaired loans with no allowance recorded	0		0		'	'
Total loans individually evaluated for impairment	57		11		'	'
Loans collectively evaluated for impairment	188		187		'	'
Total loans held for investment	245		198		150	135
Impaired loans with a specific valuation allowance under ASC 310	645		80		'	'
Impaired loans wihout a specific valuation allowance under ASC 310	106		121		'	'
Impaired loans	751		201		'	'
Consumer [Member]	'		'		'	'
Recorded Investment [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	184		232		'	'
Total loans held for investment	184		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	184		232		'	'
Total loans held for investment	184		232		'	'
Financing Receivable, Allowance for Credit Loss, Additional Information [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	2		2		'	'
Total loans held for investment	2		2		3	73
Impaired loans with a specific valuation allowance under ASC 310	0		0		'	'
Impaired loans wihout a specific valuation allowance under ASC 310	0		0		'	'
Impaired loans	$0		$0		'	'
[1]	$0.4 million of the $0.5 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_Impa1

LOANS HELD FOR INVESTMENT, Impaired Loans by Class of Loans (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Impaired financing receivable recorded investment net [Abstract]	'	'
Impaired loans	$20,120	$29,647
Manufactured Housing [Member]	'	'
Impaired financing receivable recorded investment net [Abstract]	'	'
Impaired loans	9,150	10,435
Commercial Real Estate [Member] | Commercial Real Estate [Member]	'	'
Impaired financing receivable recorded investment net [Abstract]	'	'
Impaired loans	2,805	10,615
Commercial Real Estate [Member] | SBA 504 1st TD [Member]	'	'
Impaired financing receivable recorded investment net [Abstract]	'	'
Impaired loans	1,005	1,293
Commercial Real Estate [Member] | Land [Member]	'	'
Impaired financing receivable recorded investment net [Abstract]	'	'
Impaired loans	140	0
Commercial Real Estate [Member] | Construction [Member]	'	'
Impaired financing receivable recorded investment net [Abstract]	'	'
Impaired loans	0	0
Commercial [Member]	'	'
Impaired financing receivable recorded investment net [Abstract]	'	'
Impaired loans	3,837	5,093
SBA [Member]	'	'
Impaired financing receivable recorded investment net [Abstract]	'	'
Impaired loans	1,817	1,741
HELOC [Member]	'	'
Impaired financing receivable recorded investment net [Abstract]	'	'
Impaired loans	615	269
Single Family Real Estate [Member]	'	'
Impaired financing receivable recorded investment net [Abstract]	'	'
Impaired loans	751	201
Consumer [Member]	'	'
Impaired financing receivable recorded investment net [Abstract]	'	'
Impaired loans	$0	$0

LOANS_HELD_FOR_INVESTMENT_Aver

LOANS HELD FOR INVESTMENT, Average Investment in Impaired Loans by Class (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Average recorded investment and interest income recognized [Abstract]	'	'	'
Average investment in impaired loans	$24,435	$42,555	$34,852
Interest income recognized on impaired loans	876	1,406	1,643
Manufactured Housing [Member]	'	'	'
Average recorded investment and interest income recognized [Abstract]	'	'	'
Average investment in impaired loans	9,429	8,374	405
Interest income recognized on impaired loans	323	333	30
Commercial Real Estate [Member] | Commercial Real Estate [Member]	'	'	'
Average recorded investment and interest income recognized [Abstract]	'	'	'
Average investment in impaired loans	7,638	17,552	15,293
Interest income recognized on impaired loans	146	315	575
Commercial Real Estate [Member] | SBA 504 1st TD [Member]	'	'	'
Average recorded investment and interest income recognized [Abstract]	'	'	'
Average investment in impaired loans	1,128	3,897	3,405
Interest income recognized on impaired loans	7	159	420
Commercial Real Estate [Member] | Land [Member]	'	'	'
Average recorded investment and interest income recognized [Abstract]	'	'	'
Average investment in impaired loans	28	0	563
Interest income recognized on impaired loans	7	0	0
Commercial Real Estate [Member] | Construction [Member]	'	'	'
Average recorded investment and interest income recognized [Abstract]	'	'	'
Average investment in impaired loans	0	4,808	7,515
Interest income recognized on impaired loans	0	108	165
Commercial [Member]	'	'	'
Average recorded investment and interest income recognized [Abstract]	'	'	'
Average investment in impaired loans	3,823	5,540	4,607
Interest income recognized on impaired loans	179	292	351
SBA [Member]	'	'	'
Average recorded investment and interest income recognized [Abstract]	'	'	'
Average investment in impaired loans	1,506	1,800	3,048
Interest income recognized on impaired loans	198	176	101
HELOC [Member]	'	'	'
Average recorded investment and interest income recognized [Abstract]	'	'	'
Average investment in impaired loans	372	255	0
Interest income recognized on impaired loans	5	13	0
Single Family Real Estate [Member]	'	'	'
Average recorded investment and interest income recognized [Abstract]	'	'	'
Average investment in impaired loans	511	324	0
Interest income recognized on impaired loans	11	10	0
Consumer [Member]	'	'	'
Average recorded investment and interest income recognized [Abstract]	'	'	'
Average investment in impaired loans	0	5	16
Interest income recognized on impaired loans	$0	$0	$1

LOANS_HELD_FOR_INVESTMENT_Reco

LOANS HELD FOR INVESTMENT, Recorded Investment in Certain Types of Loans (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Nonperforming Assets [Abstract]	'	'	'	'
Nonaccrual loans, net	$16,837	$22,425	$28,670	'
Loans past due 90 days or more on accrual status	66	12	'	'
Troubled debt restructured loans on accruals	3,283	7,222	'	'
Total nonperforming loans	20,186	29,659	'	'
Other assets acquired through foreclosure, net	3,811	1,889	6,701	8,478
Total nonperforming assets	23,997	31,548	'	'
Financing receivable recorded investment [Abstract]	'	'	'	'
Nonaccrual loans	23,263	29,643	42,343	'
SBA guaranteed portion of loans included above	-6,426	-7,218	-13,673	'
Total nonaccrual loans, net	16,837	22,425	28,670	'
Troubled debt restructured loans, gross	12,308	19,931	17,885	'
Loans 30 through 89 days past due with interest accruing	161	521	3,114	'
Interest income recognized on impaired loans	876	1,406	1,643	'
Foregone interest on nonaccrual and troubled debt restructured loans	$1,754	$2,692	$2,920	'
Allowance for loan losses to gross loans held for investment (in hundredths)	2.98%	3.66%	3.24%	'

LOANS_HELD_FOR_INVESTMENT_Nona

LOANS HELD FOR INVESTMENT, Nonaccrual Loans, Net of SBA Guarantee (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'	'
Nonaccrual loans, net	$16,837	$22,425	$28,670
Manufactured Housing [Member]	'	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'	'
Nonaccrual loans, net	6,235	7,542	'
Commercial Real Estate [Member] | Commercial Real Estate [Member]	'	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'	'
Nonaccrual loans, net	2,806	10,615	'
Commercial Real Estate [Member] | SBA 504 1st TD [Member]	'	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'	'
Nonaccrual loans, net	726	490	'
Commercial Real Estate [Member] | Land [Member]	'	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'	'
Nonaccrual loans, net	140	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	3,837	1,945	'
SBA [Member]	'	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'	'
Nonaccrual loans, net	1,803	1,442	'
HELOC [Member]	'	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'	'
Nonaccrual loans, net	615	269	'
Single Family Real Estate [Member]	'	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'	'
Nonaccrual loans, net	675	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 $)	Dec. 31, 2013		Dec. 31, 2012
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment, net	$403,094		$384,961
Total loans held for investment	410,198		395,275
Pass [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment, net	371,880		330,489
Total loans held for investment	371,880		330,489
Special Mention [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment, net	4,802		10,995
Total loans held for investment	4,802		10,995
Substandard [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment, net	26,389		43,352
Total loans held for investment	33,108		50,903
Doubtful [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment, net	23		125
Total loans held for investment	408		2,888
SBA Guaranteed Loans [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	7,104		10,314
SBA Guaranteed Loans [Member] | Pass [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	0		0
SBA Guaranteed Loans [Member] | Special Mention [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	0		0
SBA Guaranteed Loans [Member] | Substandard [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	6,719		7,551
SBA Guaranteed Loans [Member] | Doubtful [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	385		2,763
Manufactured Housing [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	172,055		177,391
Manufactured Housing [Member] | Pass [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	158,533		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	13,522		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	142,678		126,677
Commercial Real Estate [Member] | Commercial real estate [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	96,393		82,512
Commercial Real Estate [Member] | Commercial real estate [Member] | Pass [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	89,319		63,793
Commercial Real Estate [Member] | Commercial real estate [Member] | Special Mention [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	3,600		6,478
Commercial Real Estate [Member] | Commercial real estate [Member] | Substandard [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	3,474		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 TD [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	34,265		34,502
Commercial Real Estate [Member] | SBA 504 1st TD [Member] | Pass [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	33,012		31,385
Commercial Real Estate [Member] | SBA 504 1st TD [Member] | Special Mention [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	248		1,461
Commercial Real Estate [Member] | SBA 504 1st TD [Member] | Substandard [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	1,005		1,656
Commercial Real Estate [Member] | SBA 504 1st TD [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	1,957		4,556
Commercial Real Estate [Member] | Land [Member] | Pass [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	1,817		3,333
Commercial Real Estate [Member] | Land [Member] | Special Mention [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	0		300
Commercial Real Estate [Member] | Land [Member] | Substandard [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	140		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	10,063		5,107
Commercial Real Estate [Member] | Construction [Member] | Pass [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	10,063		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	45,647		32,496
Commercial [Member] | Pass [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	41,147		27,015
Commercial [Member] | Special Mention [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	327		997
Commercial [Member] | Substandard [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	4,150		4,413
Commercial [Member] | Doubtful [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	23		71
SBA [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	24,066	[1]	30,688	[2]
SBA [Member] | Non-guaranteed [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	16,962		20,374
SBA [Member] | Non-guaranteed [Member] | Pass [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	14,773		16,302
SBA [Member] | Non-guaranteed [Member] | Special Mention [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	136		1,514
SBA [Member] | Non-guaranteed [Member] | Substandard [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	2,053		2,504
SBA [Member] | Non-guaranteed [Member] | Doubtful [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	0		54
HELOC [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	15,418		17,852
HELOC [Member] | Pass [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	13,806		9,432
HELOC [Member] | Special Mention [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	491		245
HELOC [Member] | Substandard [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	1,121		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	10,150		9,939
Single Family Real Estate [Member] | Pass [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	9,226		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	924		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	184		232
Consumer [Member] | Pass [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Total loans held for investment	184		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
[1]	$0.4 million of the $0.5 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_Trou

LOANS HELD FOR INVESTMENT, Troubled Debt Restructuring (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
	Payment
Troubled debt restructurings (TDR) [Abstract]	'	'
Book Balance	$7,120	$6,992
Effect on Allowance for Loan Loss	546	809
Balance of Loans with Rate Reduction	1,406	277
Average Rate Reduction (in hundredths)	1.52%	3.15%
Balance of Loan with Term Extension	6,882	6,992
Average extension	'110 months	'145 months
Number of consecutive nonpayments for a TDR loan to be deemed default	2	'
Construction [Member]	'	'
Troubled debt restructurings (TDR) [Abstract]	'	'
Book Balance	0	0
Effect on Allowance for Loan Loss	0	0
Balance of Loans with Rate Reduction	0	0
Average Rate Reduction (in hundredths)	0.00%	0.00%
Balance of Loan with Term Extension	0	0
Average extension	'0 months	'0 months
Manufactured Housing [Member]	'	'
Troubled debt restructurings (TDR) [Abstract]	'	'
Book Balance	1,982	5,224
Effect on Allowance for Loan Loss	197	664
Balance of Loans with Rate Reduction	1,021	277
Average Rate Reduction (in hundredths)	1.36%	3.15%
Balance of Loan with Term Extension	1,982	5,224
Average extension	'147 months	'151 months
SBA 504 1st TD [Member]	'	'
Troubled debt restructurings (TDR) [Abstract]	'	'
Book Balance	'	489
Effect on Allowance for Loan Loss	'	5
Balance of Loans with Rate Reduction	'	0
Average Rate Reduction (in hundredths)	'	0.00%
Balance of Loan with Term Extension	'	489
Average extension	'	'228 months
Commercial Real Estate [Member]	'	'
Troubled debt restructurings (TDR) [Abstract]	'	'
Book Balance	655	830
Effect on Allowance for Loan Loss	45	61
Balance of Loans with Rate Reduction	0	0
Average Rate Reduction (in hundredths)	0.00%	0.00%
Balance of Loan with Term Extension	655	830
Average extension	'8 months	'70 months
HELOC [Member]	'	'
Troubled debt restructurings (TDR) [Abstract]	'	'
Book Balance	0	203
Effect on Allowance for Loan Loss	0	36
Balance of Loans with Rate Reduction	0	0
Average Rate Reduction (in hundredths)	0.00%	0.00%
Balance of Loan with Term Extension	0	203
Average extension	'0 months	'70 months
Commercial [Member]	'	'
Troubled debt restructurings (TDR) [Abstract]	'	'
Book Balance	4,011	49
Effect on Allowance for Loan Loss	256	6
Balance of Loans with Rate Reduction	0	0
Average Rate Reduction (in hundredths)	0.00%	0.00%
Balance of Loan with Term Extension	4,011	49
Average extension	'41 months	'70 months
SBA [Member]	'	'
Troubled debt restructurings (TDR) [Abstract]	'	'
Book Balance	87	117
Effect on Allowance for Loan Loss	16	26
Balance of Loans with Rate Reduction	0	0
Average Rate Reduction (in hundredths)	0.00%	0.00%
Balance of Loan with Term Extension	87	117
Average extension	'4 months	'57 months
Single Family Real Estate [Member]	'	'
Troubled debt restructurings (TDR) [Abstract]	'	'
Book Balance	385	80
Effect on Allowance for Loan Loss	32	11
Balance of Loans with Rate Reduction	385	0
Average Rate Reduction (in hundredths)	2.63%	0.00%
Balance of Loan with Term Extension	147	80
Average extension	'6 months	'180 months
Consumer [Member]	'	'
Troubled debt restructurings (TDR) [Abstract]	'	'
Book Balance	'	0
Effect on Allowance for Loan Loss	'	0
Balance of Loans with Rate Reduction	'	0
Average Rate Reduction (in hundredths)	'	0.00%
Balance of Loan with Term Extension	'	$0
Average extension	'	'0 months

LOANS_HELD_FOR_INVESTMENT_Trou1

LOANS HELD FOR INVESTMENT, Troubled Debt Restructured Loans With Payment Defaults (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
	Loan	Loan
Troubled debt restructured loans with payment defaults	'	'
Balance	$456	$443
Effect on Allowance for Loan Loss	11	5
Number of Loans	7	6
Manufactured Housing [Member]	'	'
Troubled debt restructured loans with payment defaults	'	'
Balance	456	202
Effect on Allowance for Loan Loss	11	5
Number of Loans	7	4
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

LOANS_HELD_FOR_INVESTMENT_Rela

LOANS HELD FOR INVESTMENT, Related Parties (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Loans and Leases Receivable, Related Parties [Roll Forward]	'	'
Balance, beginning	$4,560,000	$3,733,000
New loans	1,046,000	974,000
Repayments and other	-790,000	-147,000
Balance, ending	4,816,000	4,560,000
Loan commitments outstanding with related parties	$800,000	$900,000

PREMISES_AND_EQUIPMENT_Details

PREMISES AND EQUIPMENT (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Premises and equipment [Abstract]	'	'	'
Premises and equipment, gross	$12,517,000	$12,310,000	'
Less: accumulated depreciation and amortization	-9,534,000	-9,242,000	'
Premises and equipment, net	2,983,000	3,068,000	'
Minimum lease commitments [Abstract]	'	'	'
2014	828,000	'	'
2015	723,000	'	'
2016	653,000	'	'
2017	173,000	'	'
2018	0	'	'
Thereafter	0	'	'
Total	2,377,000	'	'
Rent expense included in occupancy expense	900,000	1,000,000	1,100,000
Depreciation expense included in occupancy expense	300,000	306,000	374,000
Furniture, Fixtures and Equipment [Member]	'	'	'
Premises and equipment [Abstract]	'	'	'
Premises and equipment, gross	8,526,000	8,311,000	'
Bank Premises and Land [Member]	'	'	'
Premises and equipment [Abstract]	'	'	'
Premises and equipment, gross	1,400,000	1,408,000	'
Leasehold Improvements [Member]	'	'	'
Premises and equipment [Abstract]	'	'	'
Premises and equipment, gross	$2,591,000	$2,591,000	'

OTHER_ASSETS_ACQUIRED_THROUGH_2

OTHER ASSETS ACQUIRED THROUGH FORECLOSURE (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
OTHER ASSETS ACQUIRED THROUGH FORECLOSURE [Abstract]	'	'	'
Balance, beginning of period	$1,889	$6,701	$8,478
Additions	6,084	7,329	7,417
Dispositions and receivables from participants	-3,774	-10,980	-6,564
Losses on sales, net	-388	-1,161	-2,630
Balance, ending of period	$3,811	$1,889	$6,701

INCOME_TAXES_Details

INCOME TAXES (Details) (USD $)	3 Months Ended								12 Months Ended
	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Current [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Federal	'	'	'	'	'	'	'	'	$1,430,000	($98,000)	($1,545,000)
State	'	'	'	'	'	'	'	'	0	0	-3,000
Current Income Tax Expense (Benefit), Total	'	'	'	'	'	'	'	'	1,430,000	-98,000	-1,548,000
Deferred [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Federal	'	'	'	'	'	'	'	'	453,000	1,072,000	-372,000
State	'	'	'	'	'	'	'	'	670,000	347,000	-689,000
Deferred Income Tax Expense (Benefit), Total	'	'	'	'	'	'	'	'	1,123,000	1,419,000	-1,061,000
(Decrease) increase in deferred tax asset valuation allowance	'	'	'	'	'	'	'	'	-5,365,000	-1,321,000	6,686,000
Total (benefit) provision for income taxes	-2,812,000	0	0	0	0	0	0	0	-2,812,000	0	4,077,000
Effective Income Tax Rate, Continuing Operations, Tax Rate Reconciliation [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Federal income tax at statutory rate (in hundredths)	'	'	'	'	'	'	'	'	34.00%	34.00%	-34.00%
State franchise tax, net of federal benefit (in hundredths)	'	'	'	'	'	'	'	'	7.20%	7.20%	-7.20%
Other (in hundredths)	'	'	'	'	'	'	'	'	0.00%	0.00%	0.50%
(Benefit) provision related to deferred tax asset valuation allowance (in hundredths)	'	'	'	'	'	'	'	'	-86.70%	-41.20%	104.30%
Total (benefit) provision for income taxes (in hundredths)	'	'	'	'	'	'	'	'	-45.50%	0.00%	63.60%
Deferred Tax Assets [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Allowance for loan losses	4,829,000	'	'	'	5,681,000	'	'	'	4,829,000	5,681,000	'
Unrealized loss of AFS securities	191,000	'	'	'	0	'	'	'	191,000	0	'
State net operating loss	80,000	'	'	'	595,000	'	'	'	80,000	595,000	'
Other	483,000	'	'	'	510,000	'	'	'	483,000	510,000	'
Total gross deferred tax assets	5,583,000	'	'	'	6,786,000	'	'	'	5,583,000	6,786,000	'
Deferred tax asset valuation allowance	0	'	'	'	-5,365,000	'	'	'	0	-5,365,000	'
Total deferred tax assets	5,583,000	'	'	'	1,421,000	'	'	'	5,583,000	1,421,000	'
Deferred Tax Liabilities [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Deferred state taxes	-447,000	'	'	'	-691,000	'	'	'	-447,000	-691,000	'
Depreciation	-139,000	'	'	'	-145,000	'	'	'	-139,000	-145,000	'
Other	-296,000	'	'	'	-377,000	'	'	'	-296,000	-377,000	'
Total deferred tax liabilities	-882,000	'	'	'	-1,213,000	'	'	'	-882,000	-1,213,000	'
Net deferred tax asset	4,701,000	'	'	'	208,000	'	'	'	4,701,000	208,000	'
Valuation allowances amount reserved	2,800,000	'	'	'	'	'	'	'	'	'	'
Cumulative loss position period	'	'	'	'	'	'	'	'	'3 years	'	'
Net operating losses to expire beginning in 2032	$500,000	'	'	'	'	'	'	'	$500,000	'	'

DEPOSITS_Details

DEPOSITS (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Deposits [Abstract]	'	'	'
Noninterest bearing deposits	$52,461,000	$53,605,000	$49,894,000
Interest bearing deposits [Abstract]	'	'	'
NOW accounts	20,367,000	20,120,000	23,401,000
Money market deposit accounts	238,078,000	249,346,000	266,395,000
Savings deposits	16,158,000	16,351,000	19,429,000
Time certificates of $100,000 or more	95,979,000	80,710,000	113,336,000
Other time deposits	13,092,000	14,088,000	38,807,000
Total deposits	436,135,000	434,220,000	511,262,000
Interest Expense [Abstract]	'	'	'
Noninterest bearing deposits, Interest Expense	0	0	0
Interest bearing deposits [Abstract]	'	'	'
NOW accounts, Interest Expense	35,000	73,000	281,000
Money market deposit accounts, Interest Expense	1,150,000	1,766,000	2,613,000
Savings deposits, Interest Expense	290,000	325,000	389,000
Time certificates of $100,000 or more, Interest Expense	1,166,000	1,609,000	2,123,000
Other time deposits, Interest Expense	275,000	357,000	545,000
Interest Expense, Total deposits	2,916,000	4,130,000	5,951,000
Deposit liabilities that may be immediately withdrawn	327,100,000	'	'
Deposits with CDARS	1,700,000	4,700,000	'
Maturities of time certificates [Abstract]	'	'	'
2014	34,313,000	'	'
2015	30,783,000	'	'
2016	13,077,000	'	'
2017	3,446,000	'	'
2018	27,427,000	'	'
Thereafter	25,000	'	'
Total	$109,071,000	$94,798,000	'

OTHER_BORROWINGS_AND_CONVERTIB2

OTHER BORROWINGS AND CONVERTIBLE DEBENTURES (Details) (USD $)

12 Months Ended

12 Months Ended

12 Months Ended

12 Months Ended

12 Months Ended

12 Months Ended

12 Months Ended

12 Months Ended

12 Months Ended

12 Months Ended

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2011

Dec. 31, 2013

Dec. 31, 2013

Mar. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Federal Home Loan Bank Advances [Member]

Securities Pledged as Collateral [Member]

Securities Pledged as Collateral [Member]

Loan Pledge as Collateral [Member]

Loan Pledge as Collateral [Member]

FHLB Advance November 14, 3013 [Member]

FHLB Advance November 14, 3013 [Member]

FHLB Advance May 5, 2014 [Member]

FHLB Advance May 5, 2014 [Member]

FHLB Advance May 7, 2014 [Member]

FHLB Advance May 7, 2014 [Member]

FHLB Advance May 19, 2014 [Member]

FHLB Advance May 19, 2014 [Member]

FHLB Advance October 9, 2014 [Member]

FHLB Advance October 9, 2014 [Member]

FHLB Advance November 17, 2014 [Member]

FHLB Advance November 17, 2014 [Member]

FHLB Advance March 9, 2015 [Member]

FHLB Advance March 9, 2015 [Member]

FHLB Advance May 4, 2015 [Member]

FHLB Advance May 4, 2015 [Member]

Federal Reserve Bank Advances [Member]

Federal Reserve Bank Advances [Member]

FHLB advances by maturity date [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

FHLB advances

$30,000,000

$34,000,000

'

'

'

'

'

'

$0

$4,000,000

$4,000,000

$4,000,000

$4,000,000

$4,000,000

$4,000,000

$4,000,000

$4,000,000

$4,000,000

$4,000,000

$4,000,000

$5,000,000

$5,000,000

$5,000,000

$5,000,000

'

'

Weighted average interest rate, end of the year (in hundredths)

2.77%

2.89%

'

'

'

'

'

'

0.00%

3.81%

2.88%

2.88%

2.76%

2.76%

2.79%

2.79%

2.68%

2.68%

2.78%

2.78%

2.75%

2.75%

2.74%

2.74%

'

'

Weighted average interest rate during the year (in hundredths)

2.77%

2.89%

'

'

'

'

'

'

0.00%

3.81%

2.88%

2.88%

2.76%

2.76%

2.79%

2.79%

2.68%

2.68%

2.78%

2.78%

2.75%

2.75%

2.74%

2.74%

'

'

Maturity date

'

'

'

'

'

'

'

'

14-Nov-13

'

5-May-14

'

7-May-14

'

19-May-14

'

9-Oct-14

'

17-Nov-14

'

9-Mar-15

'

4-May-15

'

'

'

Financial information pertaining to advances from FHLB [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Securities pledged to FHLB with carrying value

28,000,000

24,000,000

'

'

28,000,000

24,000,000

25,500,000

27,300,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Available for additional borrowing

61,400,000

65,800,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Debt termination expense

'

'

'

400,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Early repayment of fixed rate term advances

'

'

'

22,000,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Total FHLB interest expense

1,000,000

1,100,000

1,600,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Federal Reserve Bank [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Outstanding FRB advances

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

0

0

Borrowing capacity

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

$123,900,000

$66,300,000

Length of time advances are collateralized

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'28 days

'

OTHER_BORROWINGS_AND_CONVERTIB3

OTHER BORROWINGS AND CONVERTIBLE DEBENTURES, Long and Short Term Debt (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Debt Instrument [Line Items]	'	'	'
Balance of convertible debentures	$1,442,000	$7,852,000	'
Principle converted to equity	6,410,000	0	229,000
Federal Funds Purchased [Member]	'	'	'
Federal Funds Purchased [Abstract]	'	'	'
Federal funds borrowing lines at correspondent banks	25,000,000	'	'
Federal funds amount outstanding	0	0	'
Convertible Subordinated Debentures [Member]	'	'	'
Debt Instrument [Line Items]	'	'	'
Principle amount	8,085,000	'	'
Interest rate on convertible debenture (in hundredths)	9.00%	'	'
Maturity date	'	9-Aug-20	'
Principle converted to equity	6,400,000	'	'
Accrued interest converted to equity	$100,000	'	'
Convertible Subordinated Debentures [Member] | Between July 2, 2013 and July 1, 2016 [Member]	'	'	'
Debt Instrument [Line Items]	'	'	'
Conversion price of convertible debentures (in dollars per share)	$4.50	'	'
Convertible Subordinated Debentures [Member] | July 2, 2016 until maturity or redemption [Member]	'	'	'
Debt Instrument [Line Items]	'	'	'
Conversion price of convertible debentures (in dollars per share)	$6	'	'

COMMITMENTS_AND_CONTINGENCIES_1

COMMITMENTS AND CONTINGENCIES (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 16, 2013	Dec. 31, 2012
	Borrower	Trust
	HomePark
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'	'
Contractual amounts for unfunded commitments and letters of credit	$19,648,000	'	$17,967,000
Unfunded Commitments and Letters of Credit [Abstract]	'	'	'
Loss contingency for unfunded loan commitments and letters of credit	100,000	'	100,000
Concentrations of Lending Activities [Abstract]	'	'	'
Number of individual borrowers in the portfolio	1,786	'	'
Number of mobile home parks represented in the portfolio, minimum	50	'	'
Salary Continuation [Abstract]	'	'	'
Annual payment to former officer	50,000	'	'
Remaining period of contractual obligation	'5 years	'	'
Salary continuation liability accrual	200,000	'	300,000
Outstanding balance of the sold portion loans	33,200,000	'	42,200,000
Minimum damages sought for breach of contract	75,000	'	'
Loans sold over the course of agreement	22,000,000	'	'
Number of Trusts included	'	30	'
Manufactured Housing [Member]	'	'	'
Concentrations of Lending Activities [Abstract]	'	'	'
Percentage of loans to total loans (in hundredths)	36.30%	'	38.30%
Commercial Real Estate [Member]	'	'	'
Concentrations of Lending Activities [Abstract]	'	'	'
Percentage of loans to total loans (in hundredths)	30.10%	'	27.30%
Loans secured by first liens, average loan to value ratio (in hundredths)	48.50%	'	47.80%
Commercial Real Estate [Member] | Owner Occupied [Member]	'	'	'
Concentrations of Lending Activities [Abstract]	'	'	'
Percentage of Comercial Real Esate loans (in hundredths)	62.20%	'	59.10%
Commitments to Extend Credit [Member]	'	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'	'
Contractual amounts for unfunded commitments and letters of credit	19,573,000	'	17,958,000
Standby Letters of Credit [Member]	'	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'	'
Contractual amounts for unfunded commitments and letters of credit	$75,000	'	$9,000

STOCKHOLDERS_EQUITY_Details

STOCKHOLDERS' EQUITY (Details) (USD $)	12 Months Ended			0 Months Ended	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Jun. 04, 2013	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2013	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2013
				Series A Preferred Stock [Member]	Series A Preferred Stock [Member]	Series A Preferred Stock [Member]	Common Stock [Member]	Stock Options [Member]	Stock Options [Member]	Stock Options [Member]	Unvested Options [Member]
					Quarter
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'	'	'	'	'	'	'	'	'
Number of shares available for grant (in shares)	'	'	'	'	'	'	'	169,075	'	'	'
Vesting period	'	'	'	'	'	'	'	'5 years	'	'	'
Contractual life	'	'	'	'	'	'	'	'10 years	'	'	'
Unvested stock option expense	$100,000	$200,000	$100,000	'	'	'	'	'	'	'	'
Period for recognition of stock option expense	'2 years 6 months	'4 years 3 months 18 days	'3 years 10 months 24 days	'	'	'	'	'	'	'	'
Intrinsic value of options exercised	13,800	0	3,000	'	'	'	'	'	'	'	'
Option-pricing model assumptions [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Expected life in years	'6 years 3 months 18 days	'5 years 9 months 18 days	'6 years 4 months 24 days	'	'	'	'	'	'	'	'
Risk free interest rate (in hundredths)	1.42%	1.05%	1.45%	'	'	'	'	'	'	'	'
Expected volatility (in hundredths)	69.20%	69.00%	63.10%	'	'	'	'	'	'	'	'
Annual dividend rate (in hundredths)	0.00%	0.00%	0.00%	'	'	'	'	'	'	'	'
Option Shares [Roll Forward]	'	'	'	'	'	'	'	'	'	'	'
Outstanding options, beginning of period (in shares)	'	'	'	'	'	'	'	447,000	377,000	429,000	'
Granted (in shares)	'	'	'	'	'	'	'	21,000	147,000	72,000	21,000
Exercised (in shares)	'	'	'	'	'	'	'	-7,000	-5,000	-7,000	'
Forefeited or expired (in shares)	'	'	'	'	'	'	'	-85,000	-72,000	-117,000	'
Outstanding options, end of period (in shares)	'	'	'	'	'	'	'	376,000	447,000	377,000	'
Options exerciseable, end of period (in shares)	'	'	'	'	'	'	'	241,000	278,000	275,000	'
Options expected to vest, end of period (in shares)	'	'	'	'	'	'	'	135,000	169,000	101,000	'
Weighted Average Exercise Price [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Outstanding options, beginning of period (in dollars per share)	'	'	'	'	'	'	'	$5.38	$6.76	$7.15	'
Granted (in dollars per share)	'	'	'	'	'	'	'	$4.91	$2.92	$2.22	'
Exercised (in dollars per share)	'	'	'	'	'	'	'	$3.24	$3.25	$3.38	'
Forefeited or expired (in dollars per share)	'	'	'	'	'	'	'	$6.07	$7.68	$5.61	'
Outstanding options, end of period (in dollars per share)	'	'	'	'	'	'	'	$5.25	$5.38	$6.76	'
Options exerciseable, end of period (in dollars per share)	'	'	'	'	'	'	'	$6.56	$7	$8.04	'
Options expected to vest, end of period (in dollars per share)	'	'	'	'	'	'	'	$2.90	$2.72	$3.24	'
Weighted Average Remaining Term [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Outstanding options, end of period	'	'	'	'	'	'	'	'6 years 1 month 6 days	'6 years 1 month 6 days	'5 years 2 months 12 days	'
Options exerciseable, end of period	'	'	'	'	'	'	'	'4 years 9 months 18 days	'4 years 4 months 24 days	'3 years 9 months 18 days	'
Options expected to vest, end of period	'	'	'	'	'	'	'	'8 years 4 months 24 days	'9 years 1 month 6 days	'9 years	'
Aggregate Intrinsic Value [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Outstanding options, end of period	'	'	'	'	'	'	'	937,000	160,000	0	'
Options exerciseable, end of period	'	'	'	'	'	'	'	443,000	29,000	0	'
Options expected to vest, end of period	'	'	'	'	'	'	'	494,000	131,000	0	'
Number of Option Shares [Roll Forward]	'	'	'	'	'	'	'	'	'	'	'
Unvested options, beginning of period (in shares)	'	'	'	'	'	'	'	'	'	'	169,000
Granted (in shares)	'	'	'	'	'	'	'	21,000	147,000	72,000	21,000
Vested (in shares)	'	'	'	'	'	'	'	'	'	'	-41,000
Forfeited (in shares)	'	'	'	'	'	'	'	'	'	'	-14,000
Unvested options, end of period (in shares)	'	'	'	'	'	'	'	'	'	'	135,000
Weighted-Average Grant-Date Fair Value [Roll Forward]	'	'	'	'	'	'	'	'	'	'	'
Unvested options, beginning of period (in dollars per share)	'	'	'	'	'	'	'	'	'	'	$1.55
Granted (in dollars per share)	'	'	'	'	'	'	'	'	'	'	$3.11
Vested (in dollars per share)	'	'	'	'	'	'	'	'	'	'	$1.56
Forfeited (in dollars per share)	'	'	'	'	'	'	'	'	'	'	$1.69
Unvested options, end of period (in dollars per share)	'	'	'	'	'	'	'	'	'	'	$1.77
Class of Stock [Line Items]	'	'	'	'	'	'	'	'	'	'	'
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	-780,000	-779,000	-780,000	'	1,000,000	1,000,000	'	'	'	'	'
Accretion of discount	'	'	'	'	1,000,000	1,000,000	'	'	'	'	'
Number of quarters dividend default, minimum	'	'	'	'	7	'	'	'	'	'	'
Dividends accrued	'	'	'	'	$1,400,000	'	'	'	'	'	'
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	'	'	'	'
Issuance of common stock in conjunction with debenture conversions (in shares)	'	'	'	'	'	'	1,864,748	'	'	'	'

EARNINGS_PER_SHARE_Details

EARNINGS PER SHARE (Details) (USD $)	3 Months Ended								12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Reconciliation of basic and diluted earnings per share [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Net income (loss)	$3,136	$2,635	$2,126	$1,089	$2,332	$613	($591)	$819	$8,986	$3,173	($10,485)
Less: Preferred stock dividends	'	'	'	'	'	'	'	'	1,039	1,046	1,047
Net income available to common stockholders	2,883	2,373	1,864	827	2,069	360	-859	557	7,947	2,127	-11,532
Add: Debenture interest expense and costs, net of income taxes	'	'	'	'	'	'	'	'	244	430	0
Net income for diluted calculation of earnings (loss) per common share	'	'	'	'	'	'	'	'	$8,191	$2,557	($11,532)
Basic weighted average number of common shares outstanding (in shares)	'	'	'	'	'	'	'	'	7,017,000	5,990,000	5,980,000
Diluted weighted average number of common shares outstanding (in shares)	'	'	'	'	'	'	'	'	8,390,000	8,233,000	5,980,000
Earnings (loss) per common share [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Basic (in dollars per share)	$0.37	$0.30	$0.30	$0.14	$0.35	$0.06	($0.14)	$0.09	$1.13	$0.36	($1.93)
Diluted (in dollars per share)	$0.34	$0.29	$0.23	$0.11	$0.26	$0.06	($0.14)	$0.08	$0.98	$0.31	($1.93)
Debenture Shares [Member]	'	'	'	'	'	'	'	'	'	'	'
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]	'	'	'	'	'	'	'	'	'	'	'
Shares excluded from the diluted earnings per share calculation (in shares)	'	'	'	'	'	'	'	'	'	'	2,250,454
Option Shares [Member]	'	'	'	'	'	'	'	'	'	'	'
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]	'	'	'	'	'	'	'	'	'	'	'
Shares excluded from the diluted earnings per share calculation (in shares)	'	'	'	'	'	'	'	'	'	'	2,140

CAPITAL_REQUIREMENTS_Details

CAPITAL REQUIREMENTS (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]	'	'
Total Capital	$74,712	$66,076
Tier 1 Capital	67,773	52,941
Risk-Weighted Assets	432,958	413,378
Adjusted Average Assets	534,408	544,778
Total Risk-Based Capital Ratio (in hundredths)	17.26%	15.98%
Tier 1 Risk-Based Capital Ratio (in hundredths)	15.65%	12.81%
Tier 1 Leverage Ratio (in hundredths)	12.68%	9.72%
Total, Capital in excess of well capitalized	31,416	24,738
Tier 1, Capital in excess of well capitalized	41,796	28,138
Tier 1 Leverage, Capital in excess of well capitalized	41,053	25,702
Minimum capital ratios required by the OCC, Total Capital (in hundredths)	'	8.00%
Minimum capital ratios required by the OCC, Tier 1 Capital (in hundredths)	'	4.00%
Minimum capital ratios required by the OCC, Tier 1 Leverage Capital (in hundredths)	'	4.00%
Well capitalized ratios, Total Capital (in hundredths)	'	10.00%
Well capitalized ratios, Tier 1 Capital (in hundredths)	'	6.00%
Well capitalized ratios, Tier 1 Leverage Capital (in hundredths)	'	5.00%
Minimum tier one capital in terms of adjusted total assets (in hundredths)	9.00%	'
Minimum risk-based capital in terms of risk weighted assets (in hundredths)	12.00%	'
Office of the Comptroller of the Currency Consent Agreement [Member]	'	'
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]	'	'
Minimum capital ratios required by the OCC, Total Capital (in hundredths)	'	12.00%
Minimum capital ratios required by the OCC, Tier 1 Leverage Capital (in hundredths)	'	9.00%
CWB [Member]	'	'
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]	'	'
Total Capital	72,886	63,089
Tier 1 Capital	67,391	57,808
Risk-Weighted Assets	432,802	413,199
Adjusted Average Assets	531,503	540,985
Total Risk-Based Capital Ratio (in hundredths)	16.84%	15.27%
Tier 1 Risk-Based Capital Ratio (in hundredths)	15.57%	13.99%
Tier 1 Leverage Ratio (in hundredths)	12.68%	10.69%
Total, Capital in excess of well capitalized	29,606	21,769
Tier 1, Capital in excess of well capitalized	41,423	33,016
Tier 1 Leverage, Capital in excess of well capitalized	$40,816	$30,759

EMPLOYEE_BENEFIT_PLAN_Details

EMPLOYEE BENEFIT PLAN (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
EMPLOYEE BENEFIT PLAN [Abstract]	'	'	'
Employer contribution	$200,000	$200,000	$200,000
Percentage of annual compensation under benefit plan, minimum (in hundredths)	1.00%	'	'
Percentage of annual compensation under benefit plan, maximum (in hundredths)	15.00%	'	'
Annual compensation under benefit plan, maximum amount	$17,000	'	'
Percentage to match discretionary amount each year (in hundredths)	50.00%	'	'
Percentage of participants compensation deferred (in hundredths)	6.00%	'	'

FAIR_VALUE_MEASUREMENT_Details

FAIR VALUE MEASUREMENT (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
In Thousands, unless otherwise specified
Assets [Abstract]	'	'	'	'
Investment securities available-for-sale	$18,472	$12,004	'	'
Servicing assets	300	348	0	0
Recurring [Member]	'	'	'	'
Assets [Abstract]	'	'	'	'
Investment securities available-for-sale	18,472	12,004	'	'
Interest only strips	334	426	'	'
Servicing assets	300	348	'	'
Total	19,106	12,778	'	'
Non-recurring [Member]	'	'	'	'
Assets [Abstract]	'	'	'	'
Total	91,258	102,256	'	'
Quoted prices in active markets for identical assets (Level 1) [Member] | Recurring [Member]	'	'	'	'
Assets [Abstract]	'	'	'	'
Investment securities available-for-sale	69	0	'	'
Interest only strips	0	0	'	'
Servicing assets	0	0	'	'
Total	69	0	'	'
Quoted prices in active markets for identical assets (Level 1) [Member] | Non-recurring [Member]	'	'	'	'
Assets [Abstract]	'	'	'	'
Total	0	0	'	'
Significant other observable inputs (Level 2) [Member] | Recurring [Member]	'	'	'	'
Assets [Abstract]	'	'	'	'
Investment securities available-for-sale	18,403	12,004	'	'
Interest only strips	0	0	'	'
Servicing assets	0	0	'	'
Total	18,403	12,004	'	'
Significant other observable inputs (Level 2) [Member] | Non-recurring [Member]	'	'	'	'
Assets [Abstract]	'	'	'	'
Total	77,557	91,833	'	'
Significant unobservable inputs (Level 3) [Member] | Recurring [Member]	'	'	'	'
Assets [Abstract]	'	'	'	'
Investment securities available-for-sale	0	0	'	'
Interest only strips	334	426	'	'
Servicing assets	300	348	'	'
Total	634	774	'	'
Significant unobservable inputs (Level 3) [Member] | Non-recurring [Member]	'	'	'	'
Assets [Abstract]	'	'	'	'
Total	$13,701	$10,423	'	'

FAIR_VALUE_MEASUREMENT_Assets_

FAIR VALUE MEASUREMENT, Assets Measured on Non-recurring Basis (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
In Thousands, unless otherwise specified
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]	'	'	'	'
Impaired loans	$20,120	$29,647	'	'
Foreclosed real estate and repossessed assets	3,811	1,889	6,701	8,478
Loans held-for-sale at carrying value	64,399	68,694	'	'
Recurring [Member]	'	'	'	'
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]	'	'	'	'
Total	19,106	12,778	'	'
Non-recurring [Member]	'	'	'	'
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]	'	'	'	'
Impaired loans	18,681	27,853	'	'
Loans held for sale	68,766	72,514	'	'
Foreclosed real estate and repossessed assets	3,811	1,889	'	'
Total	91,258	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	69	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	18,403	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	4,980	17,430	'	'
Loans held for sale	68,766	72,514	'	'
Foreclosed real estate and repossessed assets	3,811	1,889	'	'
Total	77,557	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	634	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	13,701	10,423	'	'
Loans held for sale	0	0	'	'
Foreclosed real estate and repossessed assets	0	0	'	'
Total	$13,701	$10,423	'	'

FAIR_VALUE_MEASUREMENT_Fair_Va

FAIR VALUE MEASUREMENT, Fair Value of Financial Instruments (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Financial assets [Abstract]	'	'
Interest-bearing deposits in other financial institutions	$18,006	$26,763
Carrying Amount [Member]	'	'
Financial assets [Abstract]	'	'
Cash and cash equivalents	19,478	27,891
Interest-bearing deposits in other financial institutions	99	3,653
FRB and FHLB stock	3,243	4,656
Investment securities	28,160	24,040
Loans, net	462,005	449,201
Financial liabilities [Abstract]	'	'
Deposits	327,064	339,422
Time deposits	109,071	94,798
Other borrowings	31,442	41,852
Fair Value [Member]	'	'
Financial assets [Abstract]	'	'
Cash and cash equivalents	19,478	27,891
Interest-bearing deposits in other financial institutions	99	3,653
FRB and FHLB stock	3,243	4,656
Investment securities	28,573	24,769
Loans, net	469,466	457,199
Financial liabilities [Abstract]	'	'
Deposits	327,064	339,422
Time deposits	109,030	96,404
Other borrowings	32,017	43,238
Level 1 [Member]	'	'
Financial assets [Abstract]	'	'
Cash and cash equivalents	19,478	27,891
Interest-bearing deposits in other financial institutions	99	3,653
FRB and FHLB stock	0	0
Investment securities	69	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	3,243	4,656
Investment securities	28,504	24,769
Loans, net	455,765	446,776
Financial liabilities [Abstract]	'	'
Deposits	327,064	339,422
Time deposits	109,030	96,404
Other borrowings	32,017	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	13,701	10,423
Financial liabilities [Abstract]	'	'
Deposits	0	0
Time deposits	0	0
Other borrowings	$0	$0

ACCUMULATED_OTHER_COMPREHENSIV2

ACCUMULATED OTHER COMPREHENSIVE INCOME (Details) (USD $)	3 Months Ended								12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Accumulated Other Comprehensive Income (Loss) [Line Items]	'	'	'	'	'	'	'	'	'	'	'
Beginning balance	'	'	'	$35	'	'	'	'	$35	'	'
Net current-period other comprehensive income	'	'	'	'	'	'	'	'	-309	-104	-40
Ending Balance	-274	'	'	'	35	'	'	'	-274	35	'
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]	'	'	'	'	'	'	'	'	'	'	'
Realized gain on sale of investment securities	'	'	'	'	'	'	'	'	0	121	0
Income tax expense	2,812	0	0	0	0	0	0	0	2,812	0	-4,077
Unrealized holding gains (losses) on AFS [Member]	'	'	'	'	'	'	'	'	'	'	'
Accumulated Other Comprehensive Income (Loss) [Line Items]	'	'	'	'	'	'	'	'	'	'	'
Beginning balance	'	'	'	35	'	'	'	139	35	139	179
Other comprehensive income before reclassifications	'	'	'	'	'	'	'	'	-309	-5	-40
Amounts reclassified from accumulated other comprehensive income	'	'	'	'	'	'	'	'	0	-99	0
Net current-period other comprehensive income	'	'	'	'	'	'	'	'	-309	-104	-40
Ending Balance	-274	'	'	'	35	'	'	'	-274	35	139
Unrealized holding gains (losses) on AFS [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]	'	'	'	'	'	'	'	'	'	'	'
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]	'	'	'	'	'	'	'	'	'	'	'
Realized gain on sale of investment securities	'	'	'	'	'	'	'	'	0	121	0
Income tax expense	'	'	'	'	'	'	'	'	0	-22	0
Net of tax	'	'	'	'	'	'	'	'	$0	$99	$0

PARENT_COMPANY_FINANCIAL_INFOR2

PARENT COMPANY FINANCIAL INFORMATION (Details) (USD $)

3 Months Ended

12 Months Ended

In Thousands, unless otherwise specified

Dec. 31, 2013

Sep. 30, 2013

Jun. 30, 2013

Mar. 31, 2013

Dec. 31, 2012

Sep. 30, 2012

Jun. 30, 2012

Mar. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2011

Dec. 31, 2010

Assets [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

Total assets

$539,000

'

'

'

$532,101

'

'

'

$539,000

$532,101

'

'

Liabilities and stockholders' equity [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

Other liabilities

3,867

'

'

'

2,980

'

'

'

3,867

2,980

'

'

Total liabilities

471,444

'

'

'

479,052

'

'

'

471,444

479,052

'

'

Preferred stock

15,600

'

'

'

15,341

'

'

'

15,600

15,341

'

'

Common stock

40,165

'

'

'

33,555

'

'

'

40,165

33,555

'

'

Retained earnings

12,065

'

'

'

4,118

'

'

'

12,065

4,118

'

'

Total stockholders' equity

67,556

'

'

'

53,049

'

'

'

67,556

53,049

50,626

61,642

Total liabilities and stockholders' equity

539,000

'

'

'

532,101

'

'

'

539,000

532,101

'

'

Income Statement [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

Interest income

6,765

7,081

7,044

6,976

7,464

7,525

8,045

8,334

27,866

31,368

36,542

'

Interest expense

958

1,047

1,161

1,166

1,276

1,403

1,477

1,793

4,332

5,949

8,250

'

Net interest expense

5,807

6,034

5,883

5,810

6,188

6,122

6,568

6,541

23,534

25,419

28,292

'

Other income

'

'

'

'

'

'

'

'

458

291

238

'

Total non-interest expenses

5,216

5,623

5,624

5,672

5,505

5,297

5,769

5,675

22,135

22,246

23,320

'

Income before provision for income taxes

324

2,635

2,126

1,089

2,332

613

-591

819

6,174

3,173

-6,408

'

Income tax benefit

-2,812

0

0

0

0

0

0

0

-2,812

0

4,077

'

Net income

3,136

2,635

2,126

1,089

2,332

613

-591

819

8,986

3,173

-10,485

'

Preferred stock dividends

253

262

262

262

263

253

268

262

1,039

1,046

'

'

Net income available to common stockholders

2,883

2,373

1,864

827

2,069

360

-859

557

7,947

2,127

-11,532

'

Cash flows from operating activities [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

Net income

3,136

2,635

2,126

1,089

2,332

613

-591

819

8,986

3,173

-10,485

'

Adjustments to reconcile net income (loss) to cash provided by operating activities:

'

'

'

'

'

'

'

'

'

'

'

'

Stock-based compensation

'

'

'

'

'

'

'

'

59

117

33

'

Change in other assets

'

'

'

'

'

'

'

'

2,588

-8,117

4,957

'

Change in other liabilities

'

'

'

'

'

'

'

'

224

-316

-1,418

'

Net cash provided by operating activities

'

'

'

'

'

'

'

'

10,998

10,085

8,040

'

Cash flows from investing activities [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

Net cash (used in) provided by investing activities

'

'

'

'

'

'

'

'

-17,350

99,348

30,799

'

Cash flows from financing activities [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

Preferred stock dividend

'

'

'

'

'

'

'

'

0

-195

-780

'

Net cash used in financing activities

'

'

'

'

'

'

'

'

-2,061

-104,221

-22,386

'

Net (decrease) increase in cash and cash equivalents

'

'

'

'

'

'

'

'

-8,413

5,212

16,453

'

Cash and cash equivalents at beginning of year

'

'

'

27,891

'

'

'

22,679

27,891

22,679

6,226

'

Cash and cash equivalents at end of year

19,478

'

'

'

27,891

'

'

'

19,478

27,891

22,679

'

Parent Company [Member]

'

'

'

'

'

'

'

'

'

'

'

'

Assets [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

Cash and cash equivalents (including interest-bearing deposits in other financial institutions)

3,227

'

'

'

3,704

'

'

'

3,227

3,704

'

'

Investment in subsidiary

67,448

'

'

'

57,881

'

'

'

67,448

57,881

'

'

Other assets

154

'

'

'

177

'

'

'

154

177

'

'

Total assets

70,829

'

'

'

61,762

'

'

'

70,829

61,762

'

'

Liabilities and stockholders' equity [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

Convertible debentures

1,442

'

'

'

7,852

'

'

'

1,442

7,852

'

'

Other liabilities

1,557

'

'

'

896

'

'

'

1,557

896

'

'

Total liabilities

2,999

'

'

'

8,748

'

'

'

2,999

8,748

'

'

Preferred stock

15,600

'

'

'

15,341

'

'

'

15,600

15,341

'

'

Common stock

40,165

'

'

'

33,555

'

'

'

40,165

33,555

'

'

Retained earnings

12,065

'

'

'

4,118

'

'

'

12,065

4,118

'

'

Total stockholders' equity

67,830

'

'

'

53,014

'

'

'

67,830

53,014

'

'

Total liabilities and stockholders' equity

70,829

'

'

'

61,762

'

'

'

70,829

61,762

'

'

Income Statement [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

Interest income

'

'

'

'

'

'

'

'

5

15

64

'

Interest expense

'

'

'

'

'

'

'

'

442

717

709

'

Net interest expense

'

'

'

'

'

'

'

'

-437

-702

-645

'

Income (loss) from consolidated subsidiary

'

'

'

'

'

'

'

'

9,567

4,168

-9,859

'

Other income

'

'

'

'

'

'

'

'

71

0

0

'

Total income

'

'

'

'

'

'

'

'

9,638

3,466

-10,504

'

Total non-interest expenses

'

'

'

'

'

'

'

'

215

293

396

'

Income before provision for income taxes

'

'

'

'

'

'

'

'

8,986

3,173

-10,900

'

Income tax benefit

'

'

'

'

'

'

'

'

0

0

-415

'

Net income

'

'

'

'

'

'

'

'

8,986

3,173

-10,485

'

Preferred stock dividends

'

'

'

'

'

'

'

'

780

779

780

'

Accretion of discount on preferred stock

'

'

'

'

'

'

'

'

259

267

267

'

Net income available to common stockholders

'

'

'

'

'

'

'

'

7,947

2,127

-11,532

'

Cash flows from operating activities [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

Net income

'

'

'

'

'

'

'

'

8,986

3,173

-10,485

'

Adjustments to reconcile net income (loss) to cash provided by operating activities:

'

'

'

'

'

'

'

'

'

'

'

'

Equity in undistributed (income) loss from subsidiaries

'

'

'

'

'

'

'

'

-9,567

-4,168

9,859

'

Stock-based compensation

'

'

'

'

'

'

'

'

59

117

33

'

Change in other assets

'

'

'

'

'

'

'

'

23

315

-16

'

Change in other liabilities

'

'

'

'

'

'

'

'

-2

35

-124

'

Net cash provided by operating activities

'

'

'

'

'

'

'

'

-501

-528

-733

'

Cash flows from investing activities [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

Investments in subsidiaries

'

'

'

'

'

'

'

'

0

-1,000

0

'

Net cash (used in) provided by investing activities

'

'

'

'

'

'

'

'

0

-1,000

0

'

Cash flows from financing activities [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

Preferred stock dividend

'

'

'

'

'

'

'

'

0

-195

-780

'

Proceeds from issuance of common stock

'

'

'

'

'

'

'

'

24

16

25

'

Net cash used in financing activities

'

'

'

'

'

'

'

'

24

-179

-755

'

Net (decrease) increase in cash and cash equivalents

'

'

'

'

'

'

'

'

-477

-1,707

-1,488

'

Cash and cash equivalents at beginning of year

'

'

'

3,704

'

'

'

5,411

3,704

5,411

6,899

'

Cash and cash equivalents at end of year

$3,227

'

'

'

$3,704

'

'

'

$3,227

$3,704

$5,411

'

QUARTERLY_FINANCIAL_DATA_UNAUD2

QUARTERLY FINANCIAL DATA (UNAUDITED) (Details) (USD $)	3 Months Ended								12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
QUARTERLY FINANCIAL DATA (UNAUDITED) [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Interest income	$6,765	$7,081	$7,044	$6,976	$7,464	$7,525	$8,045	$8,334	$27,866	$31,368	$36,542
Interest expense	958	1,047	1,161	1,166	1,276	1,403	1,477	1,793	4,332	5,949	8,250
Net interest expense	5,807	6,034	5,883	5,810	6,188	6,122	6,568	6,541	23,534	25,419	28,292
Provision for credit losses	899	-1,563	-1,084	-196	-895	1,293	1,900	1,983	-1,944	4,281	14,591
Net interest income after provision for credit losses	4,908	7,597	6,967	6,006	7,083	4,829	4,668	4,558	25,478	21,138	13,701
Non-interest income	632	661	783	755	754	1,081	510	1,936	2,831	4,281	'
Non-interest expenses	5,216	5,623	5,624	5,672	5,505	5,297	5,769	5,675	22,135	22,246	23,320
Income before provision for income taxes	324	2,635	2,126	1,089	2,332	613	-591	819	6,174	3,173	-6,408
Provision (benefit) for income taxes	-2,812	0	0	0	0	0	0	0	-2,812	0	4,077
Net income	3,136	2,635	2,126	1,089	2,332	613	-591	819	8,986	3,173	-10,485
Dividends and accretion on preferred stock	253	262	262	262	263	253	268	262	1,039	1,046	'
Net income available to common stockholders	$2,883	$2,373	$1,864	$827	$2,069	$360	($859)	$557	$7,947	$2,127	($11,532)
Per Share Data [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Income (loss) per common share - basic (in dollars per share)	$0.37	$0.30	$0.30	$0.14	$0.35	$0.06	($0.14)	$0.09	$1.13	$0.36	($1.93)
Income (loss) per common share - diluted (in dollars per share)	$0.34	$0.29	$0.23	$0.11	$0.26	$0.06	($0.14)	$0.08	$0.98	$0.31	($1.93)