Community West Bancshares (CWBC) 10-Q 7 May 14 2014 Q1 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	3 Months Ended
	Mar. 31, 2014	Apr. 30, 2014
Document and Entity Information [Abstract]	'	'
Entity Registrant Name	'COMMUNITY WEST BANCSHARES /	'
Entity Central Index Key	'0001051343	'
Current Fiscal Year End Date	'--12-31	'
Entity Well-known Seasoned Issuer	'No	'
Entity Voluntary Filers	'No	'
Entity Current Reporting Status	'Yes	'
Entity Filer Category	'Smaller Reporting Company	'
Entity Common Stock, Shares Outstanding	'	8,184,833
Document Fiscal Year Focus	'2014	'
Document Fiscal Period Focus	'Q1	'
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	31-Mar-14	'

CONSOLIDATED_BALANCE_SHEETS_un

CONSOLIDATED BALANCE SHEETS (unaudited) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Assets:	'	'
Cash and due from banks	$1,922	$1,449
Federal funds sold	23	23
Interest-earning demand in other financial institutions	17,105	18,006
Cash and cash equivalents	19,050	19,478
Money market investments	99	99
Investment securities - available-for-sale, at fair value; amortized cost of $20,495 at March 31, 2014 and $18,937 at December 31, 2013	20,192	18,472
Investment securities - held-to-maturity, at amortized cost; fair value of $9,849 at March 31, 2014 and $10,101 at December 31, 2013	9,410	9,688
Federal Home Loan Bank stock, at cost	1,645	1,870
Federal Reserve Bank stock, at cost	1,373	1,373
Loans:	'	'
Held for sale, at lower of cost or fair value	65,931	64,399
Held for investment, net of allowance for loan losses of $11,356 at March 31, 2014 and $12,208 at December 31, 2013	407,192	397,606
Total loans	473,123	462,005
Other assets acquired through foreclosure, net	3,781	3,811
Premises and equipment, net	2,942	2,983
Other assets	18,642	19,221
Total assets	550,257	539,000
Deposits:	'	'
Non-interest-bearing demand	53,470	52,461
Interest-bearing demand	256,329	258,445
Savings	16,161	16,158
Certificates of deposit	120,565	109,071
Total deposits	446,525	436,135
Other borrowings	30,000	30,000
Convertible debentures	0	1,442
Other liabilities	3,270	3,867
Total liabilities	479,795	471,444
Stockholders' equity:	'	'
Preferred stock - no par value, 10,000,000 shares authorized; 15,600 shares issued and outstanding at March 31, 2014 and December 31, 2013	15,600	15,600
Common stock - no par value, 20,000,000 shares authorized; 8,184,155 shares issued and outstanding at March 31, 2014 and 7,866,783 at December 31, 2013	41,807	40,165
Retained earnings	13,234	12,065
Accumulated other comprehensive loss	-179	-274
Total stockholders' equity	70,462	67,556
Total liabilities and stockholders' equity	$550,257	$539,000

CONSOLIDATED_BALANCE_SHEETS_un1

CONSOLIDATED BALANCE SHEETS (unaudited) (Parenthetical) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, except Share data, unless otherwise specified
Assets:	'	'
Investment securities available-for-sale, amortized cost	$20,495	$18,937
Investment securities held-to-maturity, fair value	9,849	10,101
Loans:	'	'
Loans held for investment, allowance for loan losses	$11,356	$12,208
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)	8,184,155	7,866,783
Common stock, shares outstanding (in shares)	8,184,155	7,866,783

CONSOLIDATED_INCOME_STATEMENTS

CONSOLIDATED INCOME STATEMENTS (unaudited) (USD $)	3 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Interest income:	'	'
Loans, including fees	$6,761	$6,794
Investment securities and other	200	182
Total interest income	6,961	6,976
Interest expense:	'	'
Deposits	642	759
Other borrowings and convertible debt	237	407
Total interest expense	879	1,166
Net interest income	6,082	5,810
Provision for credit losses	-1,371	-196
Net interest income after provision for credit losses	7,453	6,006
Non-interest income:	'	'
Other loan fees	175	230
Gains from loan sales, net	65	161
Document processing fees	78	110
Service Charges	72	85
Loan servicing, net	32	75
Other	96	111
Total non-interest income	518	772
Non-interest expense:	'	'
Salaries and employee benefits	3,227	3,499
Occupancy expense, net	439	455
Professional services	360	315
Loan servicing and collection	265	253
Stock option expense	211	15
Data processing	172	150
Advertising and marketing	121	93
FDIC assessment	80	265
Depreciation	75	74
Net loss on sales/write-downs of foreclosed real estate and repossessed assets	40	101
Other	535	469
Total non-interest expense	5,525	5,689
Income before provision for income taxes	2,446	1,089
Income taxes	1,004	0
Net income	1,442	1,089
Dividends and accretion on preferred stock	273	262
Net income available to common shareholders	$1,169	$827
Earnings per share:	'	'
Basic (in dollars per share)	$0.15	$0.14
Diluted (in dollars per share)	$0.15	$0.11
Weighted average number of common shares outstanding:	'	'
Basic (in shares)	7,971	6,011
Diluted (in shares)	8,534	8,301
Dividends declared per common share (in dollars per share)	$0	$0

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (unaudited) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (unaudited) [Abstract]	'	'
Net income	$1,442	$1,089
Other comprehensive income (loss), net:	'	'
Unrealized income (loss) on securities available-for-sale (AFS), net (tax effect of ($66) and $12 for each respective period presented)	95	-23
Net other comprehensive income (loss)	95	-23
Comprehensive income	$1,537	$1,066

CONSOLIDATED_STATEMENTS_OF_COM1

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (unaudited) (Parenthetical) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Other comprehensive income (loss), net:	'	'
Tax effect, unrealized income (loss) on securities-available-for-sale (AFS)	($66)	$12

CONSOLIDATED_STATEMENTS_OF_STO

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (unaudited) (USD $)	Preferred Stock [Member]	Common Stock [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Retained Earnings [Member]	Total
In Thousands, except Share data, unless otherwise specified
Balance at Dec. 31, 2013	$15,600	$40,165	($274)	$12,065	$67,556
Balance (in shares) at Dec. 31, 2013	16,000	7,867,000	'	'	7,866,783
Increase (Decrease) in Stockholders' Equity [Roll Forward]	'	'	'	'	'
Net income	'	'	'	1,442	1,442
Exercise of stock options	'	1	'	'	1
Exercise of stock options (in shares)	'	0	'	'	'
Conversion of debentures	'	1,430	'	'	1,430
Conversion of debentures (in shares)	'	317,000	'	'	'
Stock option expense	'	211	'	'	211
Dividends on preferred stock	'	'	'	-273	-273
Other comprehensive loss, net	'	'	95	'	95
Balance at Mar. 31, 2014	$15,600	$41,807	($179)	$13,234	$70,462
Balance (in shares) at Mar. 31, 2014	16,000	8,184,000	'	'	8,184,155

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Cash flows from operating activities:	'	'
Net income	$1,442	$1,089
Adjustments to reconcile net income to cash provided by operating activities:	'	'
Provision for loan losses	-1,371	-196
Depreciation	75	74
Stock-based compensation	211	15
Deferred income taxes	-142	0
Net accretion of discounts and premiums for investment securities	2	-3
(Gains)/Losses on:	'	'
Sale of repossessed assets, net	40	101
Sale of loans, net	-65	-161
Loans originated for sale and principal collections, net	-1,467	6,060
Changes in:	'	'
Other assets	589	1,920
Other liabilities	782	101
Servicing rights, net	66	32
Net cash provided by operating activities	162	9,032
Cash flows from investing activities:	'	'
Principal pay downs and maturities of available-for-sale securities	407	1,785
Purchase of available-for-sale securities	-1,965	-2,065
Proceeds from principal pay downs and maturities of securities held-to-maturity	275	381
Loan originations and principal collections, net	-8,618	-3,441
Liquidation of restricted stock, net	225	330
Net increase in interest-bearing deposits in other financial institutions	0	116
Purchase of premises and equipment, net	-34	-89
Proceeds from sale of other real estate owned and repossessed assets, net	393	1,933
Net cash used in investing activities	-9,317	-1,050
Cash flows from financing activities:	'	'
Net increase (decrease) in deposits	10,390	-201
Net decrease in borrowings	-34	0
Exercise of stock options	1	17
Cash dividends paid on preferred stock	-1,630	0
Net cash provided by (used in) financing activities	8,727	-184
Net (decrease) increase in cash and cash equivalents	-428	7,798
Cash and cash equivalents at beginning of year	19,478	27,891
Cash and cash equivalents at end of period	19,050	35,689
Cash paid during the period for:	'	'
Interest	762	1,019
Income taxes	0	0
Non-cash investing and financing activity:	'	'
Transfers to other assets acquired through foreclosure, net	403	4,534
Preferred stock dividends declared, not paid	0	195
Conversion of debentures	$1,408	$117

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2014
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]	'
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
	1.  SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	Nature of operations
	Community West Bancshares (“CWBC”), incorporated under the laws of the state of California, is a bank holding company providing full service banking through its wholly-owned subsidiary Community West Bank, N.A. (“CWB” or the “Bank”).  These entities are collectively referred to herein as the “Company”.
	Basis of presentation
	The accounting and reporting policies of the Company are in accordance with accounting principles generally accepted in the United States (“GAAP”) and conform to practices within the financial services industry.  The accounts of the Company and its consolidated subsidiary are included in these Consolidated Financial Statements.  All significant intercompany balances and transactions have been eliminated.
	Use of estimates
	The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period.  Actual results could differ from those estimates.  Material estimates that are particularly susceptible to significant changes in the near term relate to the determination of the allowance for credit losses and fair value of other real estate owned.  Although Management believes these estimates to be reasonably accurate, actual amounts may differ.  In the opinion of Management, all adjustments considered necessary have been reflected in the financial statements during their preparation.
	Interim financial information
	The accompanying unaudited consolidated financial statements as of March 31, 2014 and 2013 have been prepared in a condensed format, and therefore do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. These statements have been prepared on a basis that is substantially consistent with the accounting principles applied to our audited consolidated financial statements included in our Annual Report on Form 10-K for the year ended December 31, 2013.
	The information furnished in these interim statements reflects all adjustments which are, in the opinion of management, necessary for a fair statement of the results for each respective period presented.  Such adjustments are of a normal recurring nature.  The results of operations in the interim statements are not necessarily indicative of the results that may be expected for any other quarter or for the full year.  The interim financial information should be read in conjunction with the Company’s audited consolidated financial statements.
	Reclassifications
	Certain amounts in the consolidated financial statements as of December 31, 2013 and for the three months ended March 31, 2013 have been reclassified to conform to the current presentation.  The reclassifications have no effect on net income or stockholders’ equity as previously reported.
	Loans Held For 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 three months ended March 31, 2014 and 2013.
	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 through 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 Administration (“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 and quantitative 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.
	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.
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 and warrants.
Recent Accounting Pronouncements
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.  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	3 Months Ended
	Mar. 31, 2014
INVESTMENT SECURITIES [Abstract]	'
INVESTMENT SECURITIES	'
	2.  INVESTMENT SECURITIES
	The amortized cost and estimated fair value of investment securities are as follows:
		31-Mar-14
				Gross			Gross
		Amortized		Unrealized			Unrealized			Fair
		Cost		Gains			(Losses)			Value
	Securities available-for-sale	(in thousands)
	U.S. government agency notes	$	7,876	$	3		$	(247	)	$	7,632
	U.S. government agency mortgage backed securities ("MBS")		60		3			-			63
	U.S. government agency collateralized mortgage obligations ("CMO")		12,493		9			(72	)		12,430
	Equity securities: Farmer Mac class A stock		66		1			-			67
	Total	$	20,495	$	16		$	(319	)	$	20,192
	Securities held-to-maturity
	U.S. government agency MBS	$	9,410	$	459		$	(20	)	$	9,849
	Total	$	9,410	$	459		$	(20	)	$	9,849
		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 MBS		61		3			-			64
	U.S. government agency 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
	At March 31, 2014 and December 31, 2013, $29.5 million and $28.0 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 in the first three months of 2014 or 2013.
	The maturity periods and weighted average yields of investment securities at March 31, 2014 and December 31, 2013 were as follows:
		31-Mar-14
		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	$	7,632		1.9	%	$	-			-		$	-		-		$	-		-		$	7,632		1.9	%
	U.S. government agency MBS		-		-			-			-			63		2.2	%		-		-			63		2.2	%
	U.S. government agency CMO		-		-			4,803			0.6	%		3,809		0.5	%		3,818		1.1	%		12,430		0.7	%
	Farmer Mac class A stock		-		-			-			-			-		-			-		-			67		-
	Total	$	7,632		1.9	%	$	4,803			0.6	%	$	3,872		0.6	%	$	3,818		1.1	%	$	20,192		1.2	%
	Securities held-to-maturity
	U.S. government agency MBS	$	-		-		$	2,065			4.8	%	$	7,345		2.7	%	$	-		-		$	9,410		3.1	%
	Total	$	-		-		$	2,065			4.8	%	$	7,345		2.7	%	$	-		-		$	9,410		3.1	%
		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	%
	The amortized cost and fair value of investment securities by contractual maturities as of the periods presented were as shown below:
		March 31,					December 31,
		2014					2013
		Amortized		Estimated			Amortized			Estimated
		Cost		Fair Value			Cost			Fair Value
	Securities available for sale	(in thousands)
	Due in one year or less	$	7,876	$	7,632		$	7,867		$	7,478
	After one year through five years		4,801		4,803			5,070			5,075
After five years through ten years		3,895		3,872			3,945			3,918
After ten years		3,857		3,818			1,989			1,932
Farmer Mac class A stock		66		67			66			69
	$	20,495	$	20,192		$	18,937		$	18,472
Securities held to maturity
Due in one year or less	$	-	$	-		$	-		$	-
After one year through five years		2,065		2,220			2,641			2,815
After five years through ten years		7,345		7,629			7,047			7,286
After ten years		-		-			-			-
	$	9,410	$	9,849		$	9,688		$	10,101
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-Mar-14
	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	$	247	$	5,748		$	-		$	-		$	247	$	5,748
U.S. government agency CMO		44		6,837		$	28		$	2,583			72		9,420
Equity securities: Farmer Mac class A stock		-		-			-			-			-		-
	$	291	$	12,585		$	28		$	2,583		$	319	$	15,168
Securities held-to-maturity
U.S. Government-agency MBS	$	20	$	1,066		$	-		$	-		$	20	$	1,066
Total	$	20	$	1,066		$	-		$	-		$	20	$	1,066
	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
As of March 31, 2014 and December 31, 2013, there were eleven and nine 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 March 31, 2014 and December 31, 2013, 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	3 Months Ended
	Mar. 31, 2014
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.  The balance of the remaining servicing liabilities at March 31, 2014 was not material to the Company’s financial position or results of operations.
	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 March 31, 2014 and December 31, 2013, the Company had approximately $46.6 million and $47.6 million, respectively, of SBA loans included in loans held for sale.  As of March 31, 2014 and December 31, 2013, the principal balance of SBA loans serviced for others was $27.9 million and $30.7 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.
	As of March 31, 2014 and December 31, 2013, the Company had $19.0 million and $16.8 million of USDA loans included in loans held for sale, respectively. As of March 31, 2014 and December 31, 2013, 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:
		Three Months Ended
		March 31,
		2014			2013
		(in thousands)
	Beginning balance	$	334		$	426
	Adjustment to fair value		-			(11	)
	Ending balance	$	334		$	415
	The key data assumptions used in estimating the fair value of the I/O strips as of the periods presented were as follows:
		March 31,
		2014			2013
	Weighted-average constant prepayment rate		5.29	%		5.37	%
	Weighted-average life (in years)		6			6
	Weighted-average discount rate		11.89	%		12.08	%
	A sensitivity analysis of the fair value of the I/O strips to changes in certain key assumptions is presented in the following table:
		March 31,
		2014			2013
		( in thousands)
	Discount Rate
	Increase in fair value from 100 basis point decrease	$	9		$	12
	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:
		Three Months Ended
		March 31,
		2014			2013
		(in thousands)
	Beginning balance	$	268		$	383
	Amortization		(28	)		(28	)
	Ending balance	$	240		$	355
	The following is a summary of the activity for servicing rights accounted for under the fair value method:
		Three Months Ended
		March 31,
		2014			2013
		(in thousands)
	Beginning balance	$	300		$	348
	Additions through loan sales		-			-
	Adjustment to fair value		(38	)		(4	)
	Ending balance	$	262		$	344
	The key data and assumptions used in estimating the fair value of servicing rights as of the periods presented were as follows:
		March 31,
		2014			2013
	Weighted-average constant prepayment rate		5.52	%		4.89	%
	Weighted-average life (in years)		9			9
	Weighted-average discount rate		11.93	%		13.17	%
	A sensitivity analysis of the fair value of servicing rights to change in certain key assumptions is presented in the following table:
		March 31,
		2014			2013
		(in thousands)
	Discount Rate
	Increase in fair value from 100 basis points decrease	$	11		$	14
	Decrease in fair value from 100 basis points increase		(10	)		(13	)
	Constant Prepayment Rate
Increase in fair value from 10 percent decrease		6			7
Decrease in fair value from 10 percent increase		(6	)		(7	)
This sensitivity analysis generally cannot be extrapolated because the relationship of a change in one key assumption to the change in the fair value of the Company’s servicing rights usually is not linear.  In addition, the effect of changing one key assumption without changing other assumptions is not a viable option.
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 March 31, 2014, the Company had $2.5 million in outstanding mortgage loan interest rate lock commitments and $1.2 million 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	3 Months Ended
	Mar. 31, 2014
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:
			March 31,			December 31,
			2014			2013
			(in thousands)
	Manufactured housing		$	170,754		$	172,055
	Commercial real estate			151,793			142,678
	Commercial			48,190			45,647
	SBA			22,248			24,066
	HELOC			15,056			15,418
	Single family real estate			10,643			10,150
	Consumer			150			184
				418,834			410,198
	Allowance for loan losses			11,356			12,208
	Deferred fees, net			6			45
	Discount on SBA loans			280			339
	Total loans held for investment, net		$	407,192		$	397,606
	The following table presents the contractual aging of the recorded investment in past due held for investment loans by class of loans:
			31-Mar-14
			Current			30-59 Days			60-89 Days			Over 90 Days			Total			Total			Recorded
						Past Due			Past Due			Past Due			Past Due						Investment
																					Over 90 Days
																					and Accruing
			(in thousands)
	Manufactured housing		$	170,156		$	403		$	139		$	56		$	598		$	170,754		$	-
	Commercial real estate:
	Commercial real estate			108,171			-			-			-			-			108,171			-
	SBA 504 1st trust deed			32,211			-			-			-			-			32,211			-
	Land			2,027			-			-			140			140			2,167			-
	Construction			9,244			-			-			-			-			9,244			-
	Commercial			48,190			-			-			-			-			48,190			-
	SBA			22,227			-			-			21			21			22,248			-
	HELOC			15,056			-			-			-			-			15,056			-
	Single family real estate			10,643			-			-			-			-			10,643			-
	Consumer			150			-			-			-			-			150			-
	Total		$	418,075		$	403		$	139		$	217		$	759		$	418,834		$	-
			31-Dec-13
			Current			30-59 Days			60-89 Days			Over 90 Days			Total			Total			Recorded
						Past Due			Past Due			Past Due			Past Due						Investment
																					Over 90 Days
																					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.
	llowance for Loan Losses
	The following table summarizes the changes in the allowance for loan losses:
			Three Months Ended
			March 31,
			2014			2013
			(in thousands)
	Beginning balance		$	12,208		$	14,464
	Charge-offs			(252	)		(687	)
Recoveries			771			369
Net charge-offs			519			(318	)
Provision			(1,371	)		(196	)
Ending balance		$	11,356		$	13,950
As of March 31, 2014 and December 31, 2013, 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:
		Three Months Ended March 31,
		Manufactured			Commercial			Commercial			SBA			HELOC			Single Family			Consumer			Total
		Housing			Real Estate												Real Estate
2014		(in thousands)
Beginning balance		$	5,114		$	2,552		$	2,064		$	1,951		$	280		$	245		$	2		$	12,208
Charge-offs			(240	)		-			-			(12	)		-			-			-			(252	)
Recoveries			36			639			29			51			15			1			-			771
Net charge-offs			(204	)		639			29			39			15			1			-			519
Provision			(30	)		(907	)		(265	)		(132	)		(30	)		(7	)		-			(1,371	)
Ending balance		$	4,880		$	2,284		$	1,828		$	1,858		$	265		$	239		$	2		$	11,356
2013
Beginning balance		$	5,945		$	2,627		$	2,325		$	2,733		$	634		$	198		$	2		$	14,464
Charge-offs			(427	)		(4	)		(16	)		(115	)		(39	)		(57	)		(29	)		(687	)
Recoveries			115			14			61			177			-			2			-			369
Net charge-offs			(312	)		10			45			62			(39	)		(55	)		(29	)		(318	)
Provision			238			65			(401	)		39			(213	)		48			28			(196	)
Ending balance		$	5,871		$	2,702		$	1,969		$	2,834		$	382		$	191		$	1		$	13,950
The following tables present impairment method information related to loans and allowance for loan losses by loan portfolio segment:
		Manufactured			Commercial			Commercial			SBA			HELOC			Single Family			Consumer			Total
		Housing			Real Estate												Real Estate						Loans
Loans Held for Investment as of March 31, 2014:		(in thousands)
Recorded Investment:
Impaired loans with an allowance recorded		$	6,326		$	2,134		$	3,437		$	1,641		$	579		$	627		$	-		$	14,744
Impaired loans with no allowance recorded			2,240			1,183			46			80			-			102			-			3,651
Total loans individually evaluated for impairment			8,566			3,317			3,483			1,721			579			729			-			18,395
Loans collectively evaluated for impairment			162,188			148,476			44,707			20,527			14,477			9,914			150			400,439
Total loans held for investment		$	170,754		$	151,793		$	48,190		$	22,248		$	15,056		$	10,643		$	150		$	418,834
Unpaid Principal Balance
Impaired loans with an allowance recorded		$	7,057		$	2,211		$	3,922		$	8,214		$	599		$	658		$	-		$	22,661
Impaired loans with no allowance recorded			4,006			3,185			50			438			-			193			-			7,872
Total loans individually evaluated for impairment			11,063			5,396			3,972			8,652			599			851			-			30,533
Loans collectively evaluated for impairment			162,188			148,476			44,707			20,527			14,477			9,914			150			400,439
Total loans held for investment		$	173,251		$	153,872		$	48,679		$	29,179		$	15,076		$	10,765		$	150		$	430,972
Related Allowance for Credit Losses
Impaired loans with an allowance recorded		$	469		$	112		$	379		$	249		$	26		$	53		$	-		$	1,288
Impaired loans with no allowance recorded			-			-			-			-			-			-			-			-
Total loans individually evaluated for impairment			469			112			379			249			26			53			-			1,288
Loans collectively evaluated for impairment			4,411			2,172			1,449			1,609			239			186			2			10,068
Total loans held for investment		$	4,880		$	2,284		$	1,828		$	1,858		$	265		$	239		$	2		$	11,356
		Manufactured			Commercial			Commercial			SBA			HELOC			Single Family			Consumer			Total
		Housing			Real Estate												Real Estate						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
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 March 31, 2014 and December 31, 2013.
The table below reflects recorded investment in loans classified as impaired:
		March 31,			December 31,
		2014			2013
		(in thousands)
Impaired loans with a specific valuation allowance under ASC 310		$	14,744		$	15,140
Impaired loans without a specific valuation allowance under ASC 310			3,651			4,980
Total impaired loans		$	18,395		$	20,120
Valuation allowance related to impaired loans		$	1,288		$	1,439
The following tables summarize impaired loans by class of loans:
		March 31,			December 31,
		2014			2013
		(in thousands)
Manufactured housing		$	8,566		$	9,150
Commercial real estate :
Commercial real estate			2,646			2,805
SBA 504 1st trust deed			531			1,005
Land			140			140
Construction			-			-
Commercial			3,483			3,837
SBA			1,721			1,817
HELOC			579			615
Single family real estate			729			751
Consumer			-			-
Total		$	18,395		$	20,120
The following table summarizes average investment in impaired loans by class of loans and the related interest income recognized as of and for the periods ended:
		Three Months Ended
		March 31,
		2014						2013
		Average Investment			Interest			Average Investment			Interest
		in Impaired Loans			Income			in Impaired Loans			Income
		(in thousands)
Manufactured housing		$	8,862		$	59		$	10,007		$	33
Commercial real estate:
Commercial real estate			2,728			-			10,250			6
SBA 504 1st trust deed			768			5			1,281			12
Land			140			-			-			-
Construction			-			-			-			-
Commercial			3,662			14			4,969			54
SBA			1,770			3			1,161			10
HELOC			597			5			247			-
Single family real estate			740			1			197			1
Consumer			-			-			-			-
Total		$	19,267		$	87		$	28,112		$	116
The following table reflects the recorded investment in certain types of loans at the periods indicated:
		March 31,			December 31,
		2014			2013
		(in thousands)
Nonaccrual loans		$	21,754		$	23,263
SBA guaranteed portion of loans included above			(6,032	)		(6,426	)
Total nonaccrual loans, net		$	15,722		$	16,837
Troubled debt restructured loans, gross		$	10,769		$	12,308
Loans 30 through 89 days past due with interest accruing		$	60		$	161
Allowance for loan losses to gross loans held for investment			2.71	%		2.98	%
The accrual of interest is discontinued when substantial doubt exists as to collectibility 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.  Foregone interest on nonaccrual and troubled debt restructured loans for the three months ended March 31, 2014 and 2013 was $0.4 million and $0.5 million, respectively.
The following table presents the composition of nonaccrual loans, net of SBA guarantee, by class of loans:
		March 31,			December 31,
		2014			2013
		(in thousands)
Manufactured housing		$	6,257		$	6,235
Commercial real estate:
Commercial real estate			2,646			2,806
SBA 504 1st trust deed			254			726
Land			140			140
Construction			-			-
Commercial			3,483			3,837
SBA			1,709			1,803
HELOC			579			615
Single family real estate			654			675
Consumer			-			-
Total		$	15,722		$	16,837
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-Mar-14
					Special
		Pass			Mention			Substandard			Doubtful			Total
		(in thousands)
Manufactured housing		$	156,727		$	-		$	14,027		$	-		$	170,754
Commercial real estate:
Commercial real estate			100,932			3,576			3,663			-			108,171
SBA 504 1st trust deed			31,114			566			531			-			32,211
Land			2,027			-			140			-			2,167
Construction			9,244			-			-			-			9,244
Commercial			44,199			234			3,740			17			48,190
SBA			14,151			133			1,780			-			16,064
HELOC			13,970			-			1,086			-			15,056
Single family real estate			9,742			-			901			-			10,643
Consumer			150			-			-			-			150
Total, net		$	382,256		$	4,509		$	25,868		$	17		$	412,650
SBA guarantee			-			-			5,731			453			6,184
Total		$	382,256		$	4,509		$	31,599		$	470		$	418,834
		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
A TDR 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 TDR is also considered impaired.
The following tables summarize the financial effects of TDR loans by loan class for the periods presented:
		For the Three Months Ended March 31, 2014
		Number			Pre-			Post			Balance of			Balance of			Effect on
		of Loans			Modification			Modification			Loans with			Loans with			Allowance for
					Recorded Investment			Recorded Investment			Rate Reduction			Term Extension			Loan Losses
		(dollars in thousands)
Manufactured housing			4		$	187		$	187			187		$	187			5
Commercial real estate			-			-			-			-			-			-
SBA 504 1st trust deed			-			-			-			-			-			-
Construction			-			-			-			-			-			-
Commercial			-			-			-			-			-			-
SBA			-			-			-			-			-			-
HELOC			-			-			-			-			-			-
Single family real estate			-			-			-			-			-			-
Consumer			-			-			-			-			-			-
Total			4		$	187		$	187		$	187		$	187		$	5
		For the Three Months Ended March 31, 2013
		Number			Pre-			Post			Balance of			Balance of			Effect on
		of Loans			Modification			Modification			Loans with			Loans with			Allowance for
					Recorded Investment			Recorded Investment			Rate Reduction			Term Extension			Loan Losses
		(dollars in thousands)
Manufactured housing			7		$	479		$	453			117		$	453			24
Commercial real estate			1			286			286			-			286			20
SBA 504 1st trust deed			-			-			-			-			-			-
Construction			-			-			-			-			-			-
Commercial			1			216			216			-			216			4
SBA			-			-			-			-			-			-
HELOC			-			-			-			-			-			-
Single family real estate			-			-			-			-			-			-
Consumer			-			-			-			-			-			-
Total			9		$	981		$	955		$	117		$	955		$	48
The average rate concessions were 63 basis points and 100 basis points for the three months ended March 31, 204 and 2013, respectively.  The average term extension in months was 180 and 111 for the first quarter of 2014 and 2013, respectively.
The following tables present TDR's by class that occurred in the past three months for which there was a payment default during the period:
		Three Months Ended
		March 31,
		2014									2013
		Number			Recorded			Effect on			Number			Recorded			Effect on
		of Loans			Investment			Allowance for			of Loans			Investment			Allowance for
								Loan Losses									Loan Losses
		(dollars in thousands)
Manufactured housing			1		$	18		$	1			5		$	375		$	9
SBA 504 1st			-			-			-			-			-			-
SBA			-			-			-			-			-			-
Total			1		$	18		$	1			5		$	375		$	9
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 March 31, 2014 there were no material loan commitments outstanding on TDR loans.

OTHER_ASSETS_ACQUIRED_THROUGH_

OTHER ASSETS ACQUIRED THROUGH FORECLOSURE	3 Months Ended
	Mar. 31, 2014
OTHER ASSETS ACQUIRED THROUGH FORECLOSURE [Abstract]	'
OTHER ASSETS ACQUIRED THROUGH FORECLOSURE	'
	5.  OTHER ASSETS ACQUIRED THROUGH FORECLOSURE
	The following table summarizes the changes in other assets acquired through foreclosure:
		Three Months Ended
		March 31,
		2014			2013
		(in thousands)
	Balance, beginning of period	$	3,811		$	1,889
	Additions		403			4,534
	Dispositions and receivables from participants		(393	)		(1,933	)
	Losses on sales, net		(40	)		(101	)
	Balance, end of period	$	3,781		$	4,389

FAIR_VALUE_MEASUREMENT

FAIR VALUE MEASUREMENT	3 Months Ended
	Mar. 31, 2014
FAIR VALUE MEASUREMENT [Abstract]	'
FAIR VALUE MEASUREMENT	'
	6.  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 March 31, 2014 or December 31, 2013.  The estimated fair value amounts for March 31, 2014 and December 31, 2013 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		Significant		Significant		Fair
			in Active		Other		Unobservable
			Markets for		Observable		Inputs
			Identical		Inputs
			Assets
	31-Mar-14		(Level 1)		(Level 2)		(Level 3)		Value
	Assets:		(in thousands)
	Investment securities available-for-sale		$	67	$	20,125	$	-	$	20,192
	Interest only strips			-		-		334		334
	Servicing assets			-		-		262		262
			$	67	$	20,125	$	596	$	20,788
			Fair Value Measurements at the End of the Reporting Period Using:
			Quoted Prices		Significant		Significant		Fair
			in Active		Other		Unobservable
			Markets for		Observable		Inputs
			Identical		Inputs
			Assets
	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
	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 15.
	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 certain SBA and USDA loans 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 assets include estimated loan repayment rates, the discount rate, and servicing costs, among others. Servicing assets 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		Active		Unobservable
					in Active		Markets for		Inputs
					Markets for		Similar Assets
					Identical Assets
			Total		(Level 1)		(Level 2)		(Level 3)
			(in thousands)
	As of March 31, 2014:
	Impaired loans		$	17,107	$	-	$	3,651	$	13,456
	Loans held for sale			70,442		-		70,442		-
	Foreclosed real estate and repossesed assets			3,781		-		3,781		-
			$	91,330	$	-	$	77,874	$	13,456
	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
	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 March 31, 2014 and December 31, 2013, the Company had loans held for sale with an aggregate carrying value of $65.9 million and $64.4 million respectively.
	Foreclosed real estate and repossessed assets are carried at the lower of book value or fair value less estimated costs to sell.  Fair value is based upon independent market prices obtained from certified appraisers or the current listing price, if lower.  When the fair value of the collateral is based on a current appraised value, the Company reports the fair value of the foreclosed collateral as non-recurring Level 2.  When a current appraised value is not available or if management determines the fair value of the collateral is further impaired, the Company reports the foreclosed collateral as non-recurring Level 3.
	FAIR VALUES OF FINANCIAL INSTRUMENTS
	The estimated fair values of financial instruments have been determined by the Company using available market information and appropriate valuation methodologies.  However, considerable judgment is required to interpret market data to develop estimates of fair value.  Accordingly, the estimates presented herein are not necessarily indicative of the amounts the Company could realize in a current market exchange.  The use of different market assumptions and/or estimation methodologies may have a material effect on the estimated fair value amounts.
The estimated fair value of the Company’s financial instruments is as follows:
		31-Mar-14
		Carrying		Fair Value
		Amount		Level 1		Level 2		Level 3		Total
Financial assets:		(in thousands)
Cash and cash equivalents		$	19,050	$	19,050	$	-	$	-	$	19,050
Interest-bearing deposits in other financial institutions			99		99		-		-		99
FRB and FHLB stock			3,018		-		3,018				3,018
Investment securities			29,602		67		29,974		-		30,041
Loans, net			473,123		-		471,513		13,456		484,969
Financial liabilities:
Deposits			325,960		-		325,960		-		325,960
Time deposits			120,565		-		120,366		-		120,366
Other borrowings			30,000		-		30,407		-		30,407
		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
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 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.
Federal Reserve Stock and Federal Home Loan Bank 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.
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.
Loans – For most loan categories, the fair value is estimated using discounted cash flows utilizing an appropriate discount rate and historical prepayment speeds.  For certain adjustable loans that reprice on a frequent basis carrying value approximates fair value.  As a result, the fair value for loans is categorized as Level 2 in the fair value hierarchy.
Deposits – The amount payable at demand at report date is used to estimate the fair value of demand and savings deposits. The estimated fair values of fixed-rate time deposits are determined by discounting the cash flows of segments of deposits that have similar maturities and rates, utilizing a discount rate that approximates the prevailing rates offered to depositors as of the measurement date.  The fair value measurement of deposit liabilities is categorized as Level 2 in the fair value hierarchy.
Other borrowings – The fair value is estimated using a discounted cash flow analysis based on rates for similar types of borrowing arrangements.   The carrying value of FRB advances approximates the fair value due to the short term nature of these borrowings.  The fair value measurement of other borrowings is categorized as Level 2.
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.
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 March 31, 2014 and 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 March 31, 2014 and December 31, 2013 was insignificant.  Loan commitments on which the committed interest rates were less than the current market rate are also insignificant at March 31, 2014 and December 31, 2013.

OTHER_BORROWINGS_AND_CONVERTIB

OTHER BORROWINGS AND CONVERTIBLE DEBENTURES	3 Months Ended
	Mar. 31, 2014
OTHER BORROWINGS AND CONVERTIBLE DEBENTURES [Abstract]	'
OTHER BORROWINGS AND CONVERTIBLE DEBENTURES	'
	7.  OTHER BORROWINGS AND CONVERTIBLE DEBENTURES
	Federal Home Loan Bank Advances – The Company through the bank has a blanket lien credit line with the Federal Home Loan Bank (“FHLB”).  FHLB advances are collateralized in the aggregate by CWB’s eligible loans and securities.  Total FHLB advances were $30.0 million at March 31, 2014 and December 31, 2013, borrowed at fixed rates with a weighted average rate of 2.77%.  At March 31, 2014, CWB had pledged to the FHLB, $29.5 million of securities and $24.7 million of loans.  At March 31, 2014, CWB had $88.7 million available for additional borrowing.  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, CWB had $61.4 million available for additional borrowing.  Total FHLB interest expense for the three months ended March 31, 2014 and 2013 was $0.2 million, respectively.
	Federal Reserve Bank – CWB has established a credit line with the Federal Reserve Bank (“FRB”).  Advances are collateralized in the aggregate by eligible loans.  There were no outstanding FRB advances as of March 31, 2014 and December 31, 2013.  CWB had $123.0 million and $123.9 million in borrowing capacity as of March 31, 2014 and December 31, 2013, respectively.
	Convertible Debentures - In 2010, the Company completed an offering of $8.1 million convertible subordinated debentures.  The debentures were a general unsecured obligation and were subordinated in right of payment to all present and future senior indebtedness.  The debentures paid interest at 9% until conversion, redemption or maturity.  Effective March 10, 2014, the Company exercised its early redemption rights and called the outstanding debentures.  As of the three months ended March 31, 2014, $1.4 million debentures were converted to 316,872 shares of common stock and $37,000 to cash.
	Federal Funds Purchased Lines – The Company has federal funds borrowing lines at correspondent banks totaling $30.0 million.    There was no amount outstanding as of March 31, 2014 and December 31, 2013.

STOCKHOLDERS_EQUITY

STOCKHOLDERS' EQUITY	3 Months Ended
	Mar. 31, 2014
STOCKHOLDERS' EQUITY [Abstract]	'
STOCKHOLDERS' EQUITY	'
	8. STOCKHOLDERS’ EQUITY
	The following table summarizes the changes in other comprehensive income by component, net of tax for the period indicated:
		Three Months Ended
		March 31,
		2014			2013
		Unrealized holding gains
		(losses) on AFS
		(in thousands)
	Beginning balance	$	(274	)	$	35
	Other comprehensive income before reclassifications		95			(23	)
	Amounts reclassified from accumulated other comprehensive income		-			-
	Net current-period other comprehensive income		95			(23	)
	Ending Balance	$	(179	)	$	12
	There were no reclassifications out of accumulated other comprehensive income for the three months ended March 31, 2014 or 2013.
	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.
	In 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 three months ended March 31, 2014, the Company recorded $0.3 million of dividends on preferred stock.  During the three months ended March 31, 2013, the Company recorded $0.3 million of dividends and accretion of the discount on preferred stock.
	The Company has paid current all the quarterly dividends on such Series A Preferred Stock.
	On April 25, 2014, the Company issued a Press Release announcing the planned redemption of 50% of the Company’s Series A Preferred Stock.  The effective date for the planned redemption will be set after regulatory approval is obtained.  The redemption price for shares of Series A Preferred Stock will be the stated liquidation value of $1,000 per share, plus any accrued or unpaid dividends that have been earned up to but not including the date of redemption.
	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.  In the second quarter of 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 the first quarter of 2014, the Company issued 316,872 shares of common stock in conjunction with debenture conversions.

EARNINGS_PER_SHARE

EARNINGS PER SHARE	3 Months Ended
	Mar. 31, 2014
EARNINGS PER SHARE [Abstract]	'
EARNINGS PER SHARE	'
	9.  EARNINGS PER SHARE
	The following table presents a reconciliation of basic earnings per share and diluted earnings per share:
		Three Months Ended
		March 31,
		2014		2013
		(in thousands, except per share amounts)
	Net income	$	1,442	$	1,089
	Less: dividends and accretion on preferred stock		273		262
	Net income available to common stockholders	$	1,169	$	827
	Add: debenture interest expense and costs, net of income taxes		103		105
	Net income for diluted calculation of earnings per common share	$	1,272	$	932
	Weighted average number of common shares outstanding - basic		7,971		6,011
	Weighted average number of common shares outstanding - diluted		8,534		8,301
	Earnings per share:
	Basic	$	0.15	$	0.14
	Diluted	$	0.15	$	0.11

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2014
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]	'
Nature of operations	'
	Nature of operations
	Community West Bancshares (“CWBC”), incorporated under the laws of the state of California, is a bank holding company providing full service banking through its wholly-owned subsidiary Community West Bank, N.A. (“CWB” or the “Bank”).  These entities are collectively referred to herein as the “Company”.
Basis of presentation	'
	Basis of presentation
	The accounting and reporting policies of the Company are in accordance with accounting principles generally accepted in the United States (“GAAP”) and conform to practices within the financial services industry.  The accounts of the Company and its consolidated subsidiary are included in these Consolidated Financial Statements.  All significant intercompany balances and transactions have been eliminated.
Use of estimates	'
	Use of estimates
	The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period.  Actual results could differ from those estimates.  Material estimates that are particularly susceptible to significant changes in the near term relate to the determination of the allowance for credit losses and fair value of other real estate owned.  Although Management believes these estimates to be reasonably accurate, actual amounts may differ.  In the opinion of Management, all adjustments considered necessary have been reflected in the financial statements during their preparation.
Interim financial information	'
	Interim financial information
	The accompanying unaudited consolidated financial statements as of March 31, 2014 and 2013 have been prepared in a condensed format, and therefore do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. These statements have been prepared on a basis that is substantially consistent with the accounting principles applied to our audited consolidated financial statements included in our Annual Report on Form 10-K for the year ended December 31, 2013.
	The information furnished in these interim statements reflects all adjustments which are, in the opinion of management, necessary for a fair statement of the results for each respective period presented.  Such adjustments are of a normal recurring nature.  The results of operations in the interim statements are not necessarily indicative of the results that may be expected for any other quarter or for the full year.  The interim financial information should be read in conjunction with the Company’s audited consolidated financial statements.
Reclassifications	'
	Reclassifications
	Certain amounts in the consolidated financial statements as of December 31, 2013 and for the three months ended March 31, 2013 have been reclassified to conform to the current presentation.  The reclassifications have no effect on net income or stockholders’ equity as previously reported.
Loans Held for 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 three months ended March 31, 2014 and 2013.
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 through 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 Administration (“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	'
	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 and quantitative 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.
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.
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 and warrants.
Recent Accounting Pronouncements	'
	Recent Accounting Pronouncements
	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.  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_Tables

INVESTMENT SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2014
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-Mar-14
				Gross			Gross
		Amortized		Unrealized			Unrealized			Fair
		Cost		Gains			(Losses)			Value
	Securities available-for-sale	(in thousands)
	U.S. government agency notes	$	7,876	$	3		$	(247	)	$	7,632
	U.S. government agency mortgage backed securities ("MBS")		60		3			-			63
	U.S. government agency collateralized mortgage obligations ("CMO")		12,493		9			(72	)		12,430
	Equity securities: Farmer Mac class A stock		66		1			-			67
	Total	$	20,495	$	16		$	(319	)	$	20,192
	Securities held-to-maturity
	U.S. government agency MBS	$	9,410	$	459		$	(20	)	$	9,849
	Total	$	9,410	$	459		$	(20	)	$	9,849
		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 MBS		61		3			-			64
	U.S. government agency 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
Maturity Periods and Weighted Average Yields of Investment Securities	'
	The maturity periods and weighted average yields of investment securities at March 31, 2014 and December 31, 2013 were as follows:
		31-Mar-14
		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	$	7,632		1.9	%	$	-			-		$	-		-		$	-		-		$	7,632		1.9	%
	U.S. government agency MBS		-		-			-			-			63		2.2	%		-		-			63		2.2	%
	U.S. government agency CMO		-		-			4,803			0.6	%		3,809		0.5	%		3,818		1.1	%		12,430		0.7	%
	Farmer Mac class A stock		-		-			-			-			-		-			-		-			67		-
	Total	$	7,632		1.9	%	$	4,803			0.6	%	$	3,872		0.6	%	$	3,818		1.1	%	$	20,192		1.2	%
	Securities held-to-maturity
	U.S. government agency MBS	$	-		-		$	2,065			4.8	%	$	7,345		2.7	%	$	-		-		$	9,410		3.1	%
	Total	$	-		-		$	2,065			4.8	%	$	7,345		2.7	%	$	-		-		$	9,410		3.1	%
		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	%
	The amortized cost and fair value of investment securities by contractual maturities as of the periods presented were as shown below:
		March 31,					December 31,
		2014					2013
		Amortized		Estimated			Amortized			Estimated
		Cost		Fair Value			Cost			Fair Value
	Securities available for sale	(in thousands)
	Due in one year or less	$	7,876	$	7,632		$	7,867		$	7,478
	After one year through five years		4,801		4,803			5,070			5,075
	After five years through ten years		3,895		3,872			3,945			3,918
	After ten years		3,857		3,818			1,989			1,932
	Farmer Mac class A stock		66		67			66			69
		$	20,495	$	20,192		$	18,937		$	18,472
	Securities held to maturity
	Due in one year or less	$	-	$	-		$	-		$	-
	After one year through five years		2,065		2,220			2,641			2,815
	After five years through ten years		7,345		7,629			7,047			7,286
	After ten years		-		-			-			-
		$	9,410	$	9,849		$	9,688		$	10,101
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-Mar-14
		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	$	247	$	5,748		$	-		$	-		$	247	$	5,748
	U.S. government agency CMO		44		6,837		$	28		$	2,583			72		9,420
	Equity securities: Farmer Mac class A stock		-		-			-			-			-		-
		$	291	$	12,585		$	28		$	2,583		$	319	$	15,168
	Securities held-to-maturity
	U.S. Government-agency MBS	$	20	$	1,066		$	-		$	-		$	20	$	1,066
	Total	$	20	$	1,066		$	-		$	-		$	20	$	1,066
		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

LOAN_SALES_AND_SERVICING_Table

LOAN SALES AND SERVICING (Tables)	3 Months Ended
	Mar. 31, 2014
LOAN SALES AND SERVICING [Abstract]	'
Schedule of Interest Only Strips Valued at Fair Value	'
	The following table presents the I/O strips activity as of the periods presented:
		Three Months Ended
		March 31,
		2014			2013
		(in thousands)
	Beginning balance	$	334		$	426
	Adjustment to fair value		-			(11	)
	Ending balance	$	334		$	415
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:
		March 31,
		2014			2013
	Weighted-average constant prepayment rate		5.29	%		5.37	%
	Weighted-average life (in years)		6			6
	Weighted-average discount rate		11.89	%		12.08	%
	The key data and assumptions used in estimating the fair value of servicing rights as of the periods presented were as follows:
		March 31,
		2014			2013
	Weighted-average constant prepayment rate		5.52	%		4.89	%
	Weighted-average life (in years)		9			9
	Weighted-average discount rate		11.93	%		13.17	%
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:
		March 31,
		2014			2013
		( in thousands)
	Discount Rate
	Increase in fair value from 100 basis point decrease	$	9		$	12
	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:
		March 31,
		2014			2013
		(in thousands)
	Discount Rate
	Increase in fair value from 100 basis points decrease	$	11		$	14
	Decrease in fair value from 100 basis points increase		(10	)		(13	)
	Constant Prepayment Rate
	Increase in fair value from 10 percent decrease		6			7
	Decrease in fair value from 10 percent increase		(6	)		(7	)
Servicing Rights Accounted for Under the Amortization Method	'
	The following is a summary of the activity for servicing rights accounted for under the amortization method:
		Three Months Ended
		March 31,
		2014			2013
		(in thousands)
	Beginning balance	$	268		$	383
	Amortization		(28	)		(28	)
	Ending balance	$	240		$	355
Servicing Rights Accounted for Under the Fair Value Method	'
	The following is a summary of the activity for servicing rights accounted for under the fair value method:
		Three Months Ended
		March 31,
		2014			2013
		(in thousands)
	Beginning balance	$	300		$	348
	Additions through loan sales		-			-
	Adjustment to fair value		(38	)		(4	)
	Ending balance	$	262		$	344

LOANS_HELD_FOR_INVESTMENT_Tabl

LOANS HELD FOR INVESTMENT (Tables)	3 Months Ended
	Mar. 31, 2014
LOANS HELD FOR INVESTMENT [Abstract]	'
Portfolio of Loans Held for Investment	'
	The composition of the Company’s loans held for investment loan portfolio follows:
			March 31,			December 31,
			2014			2013
			(in thousands)
	Manufactured housing		$	170,754		$	172,055
	Commercial real estate			151,793			142,678
	Commercial			48,190			45,647
	SBA			22,248			24,066
	HELOC			15,056			15,418
	Single family real estate			10,643			10,150
	Consumer			150			184
				418,834			410,198
	Allowance for loan losses			11,356			12,208
	Deferred fees, net			6			45
	Discount on SBA loans			280			339
	Total loans held for investment, net		$	407,192		$	397,606
Current and Past Due Financing Receivable	'
	The following table presents the contractual aging of the recorded investment in past due held for investment loans by class of loans:
			31-Mar-14
			Current			30-59 Days			60-89 Days			Over 90 Days			Total			Total			Recorded
						Past Due			Past Due			Past Due			Past Due						Investment
																					Over 90 Days
																					and Accruing
			(in thousands)
	Manufactured housing		$	170,156		$	403		$	139		$	56		$	598		$	170,754		$	-
	Commercial real estate:
	Commercial real estate			108,171			-			-			-			-			108,171			-
	SBA 504 1st trust deed			32,211			-			-			-			-			32,211			-
	Land			2,027			-			-			140			140			2,167			-
	Construction			9,244			-			-			-			-			9,244			-
	Commercial			48,190			-			-			-			-			48,190			-
	SBA			22,227			-			-			21			21			22,248			-
	HELOC			15,056			-			-			-			-			15,056			-
	Single family real estate			10,643			-			-			-			-			10,643			-
	Consumer			150			-			-			-			-			150			-
	Total		$	418,075		$	403		$	139		$	217		$	759		$	418,834		$	-
			31-Dec-13
			Current			30-59 Days			60-89 Days			Over 90 Days			Total			Total			Recorded
						Past Due			Past Due			Past Due			Past Due						Investment
																					Over 90 Days
																					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.
Analysis of Allowance for Loan Losses for Loans Held for Investment	'
	The following table summarizes the changes in the allowance for loan losses:
			Three Months Ended
			March 31,
			2014			2013
			(in thousands)
	Beginning balance		$	12,208		$	14,464
	Charge-offs			(252	)		(687	)
	Recoveries			771			369
	Net charge-offs			519			(318	)
	Provision			(1,371	)		(196	)
	Ending balance		$	11,356		$	13,950
	The following tables summarize the changes in the allowance for loan losses by portfolio type:
			Three Months Ended March 31,
			Manufactured			Commercial			Commercial			SBA			HELOC			Single Family			Consumer			Total
			Housing			Real Estate												Real Estate
	2014		(in thousands)
	Beginning balance		$	5,114		$	2,552		$	2,064		$	1,951		$	280		$	245		$	2		$	12,208
	Charge-offs			(240	)		-			-			(12	)		-			-			-			(252	)
	Recoveries			36			639			29			51			15			1			-			771
	Net charge-offs			(204	)		639			29			39			15			1			-			519
	Provision			(30	)		(907	)		(265	)		(132	)		(30	)		(7	)		-			(1,371	)
	Ending balance		$	4,880		$	2,284		$	1,828		$	1,858		$	265		$	239		$	2		$	11,356
	2013
	Beginning balance		$	5,945		$	2,627		$	2,325		$	2,733		$	634		$	198		$	2		$	14,464
	Charge-offs			(427	)		(4	)		(16	)		(115	)		(39	)		(57	)		(29	)		(687	)
	Recoveries			115			14			61			177			-			2			-			369
	Net charge-offs			(312	)		10			45			62			(39	)		(55	)		(29	)		(318	)
	Provision			238			65			(401	)		39			(213	)		48			28			(196	)
	Ending balance		$	5,871		$	2,702		$	1,969		$	2,834		$	382		$	191		$	1		$	13,950
	The following tables present impairment method information related to loans and allowance for loan losses by loan portfolio segment:
			Manufactured			Commercial			Commercial			SBA			HELOC			Single Family			Consumer			Total
			Housing			Real Estate												Real Estate						Loans
	Loans Held for Investment as of March 31, 2014:		(in thousands)
	Recorded Investment:
	Impaired loans with an allowance recorded		$	6,326		$	2,134		$	3,437		$	1,641		$	579		$	627		$	-		$	14,744
	Impaired loans with no allowance recorded			2,240			1,183			46			80			-			102			-			3,651
	Total loans individually evaluated for impairment			8,566			3,317			3,483			1,721			579			729			-			18,395
	Loans collectively evaluated for impairment			162,188			148,476			44,707			20,527			14,477			9,914			150			400,439
	Total loans held for investment		$	170,754		$	151,793		$	48,190		$	22,248		$	15,056		$	10,643		$	150		$	418,834
	Unpaid Principal Balance
	Impaired loans with an allowance recorded		$	7,057		$	2,211		$	3,922		$	8,214		$	599		$	658		$	-		$	22,661
	Impaired loans with no allowance recorded			4,006			3,185			50			438			-			193			-			7,872
	Total loans individually evaluated for impairment			11,063			5,396			3,972			8,652			599			851			-			30,533
	Loans collectively evaluated for impairment			162,188			148,476			44,707			20,527			14,477			9,914			150			400,439
	Total loans held for investment		$	173,251		$	153,872		$	48,679		$	29,179		$	15,076		$	10,765		$	150		$	430,972
	Related Allowance for Credit Losses
	Impaired loans with an allowance recorded		$	469		$	112		$	379		$	249		$	26		$	53		$	-		$	1,288
	Impaired loans with no allowance recorded			-			-			-			-			-			-			-			-
	Total loans individually evaluated for impairment			469			112			379			249			26			53			-			1,288
	Loans collectively evaluated for impairment			4,411			2,172			1,449			1,609			239			186			2			10,068
	Total loans held for investment		$	4,880		$	2,284		$	1,828		$	1,858		$	265		$	239		$	2		$	11,356
			Manufactured			Commercial			Commercial			SBA			HELOC			Single Family			Consumer			Total
			Housing			Real Estate												Real Estate						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
Schedule of Impaired Loans by Loan Class	'
	The table below reflects recorded investment in loans classified as impaired:
			March 31,			December 31,
			2014			2013
			(in thousands)
	Impaired loans with a specific valuation allowance under ASC 310		$	14,744		$	15,140
	Impaired loans without a specific valuation allowance under ASC 310			3,651			4,980
	Total impaired loans		$	18,395		$	20,120
	Valuation allowance related to impaired loans		$	1,288		$	1,439
	The following tables summarize impaired loans by class of loans:
			March 31,			December 31,
			2014			2013
			(in thousands)
	Manufactured housing		$	8,566		$	9,150
	Commercial real estate :
	Commercial real estate			2,646			2,805
	SBA 504 1st trust deed			531			1,005
	Land			140			140
	Construction			-			-
	Commercial			3,483			3,837
	SBA			1,721			1,817
	HELOC			579			615
	Single family real estate			729			751
	Consumer			-			-
	Total		$	18,395		$	20,120
	The following table summarizes average investment in impaired loans by class of loans and the related interest income recognized as of and for the periods ended:
			Three Months Ended
			March 31,
			2014						2013
			Average Investment			Interest			Average Investment			Interest
			in Impaired Loans			Income			in Impaired Loans			Income
			(in thousands)
	Manufactured housing		$	8,862		$	59		$	10,007		$	33
	Commercial real estate:
	Commercial real estate			2,728			-			10,250			6
	SBA 504 1st trust deed			768			5			1,281			12
	Land			140			-			-			-
	Construction			-			-			-			-
	Commercial			3,662			14			4,969			54
	SBA			1,770			3			1,161			10
	HELOC			597			5			247			-
	Single family real estate			740			1			197			1
	Consumer			-			-			-			-
	Total		$	19,267		$	87		$	28,112		$	116
Recorded Investment in Certain Loans	'
	The following table reflects the recorded investment in certain types of loans at the periods indicated:
			March 31,			December 31,
			2014			2013
			(in thousands)
	Nonaccrual loans		$	21,754		$	23,263
	SBA guaranteed portion of loans included above			(6,032	)		(6,426	)
	Total nonaccrual loans, net		$	15,722		$	16,837
	Troubled debt restructured loans, gross		$	10,769		$	12,308
	Loans 30 through 89 days past due with interest accruing		$	60		$	161
	Allowance for loan losses to gross loans held for investment			2.71	%		2.98	%
Composition of Net Nonaccrual Loans	'
	The following table presents the composition of nonaccrual loans, net of SBA guarantee, by class of loans:
			March 31,			December 31,
			2014			2013
			(in thousands)
	Manufactured housing		$	6,257		$	6,235
	Commercial real estate:
	Commercial real estate			2,646			2,806
	SBA 504 1st trust deed			254			726
	Land			140			140
	Construction			-			-
	Commercial			3,483			3,837
	SBA			1,709			1,803
	HELOC			579			615
	Single family real estate			654			675
	Consumer			-			-
	Total		$	15,722		$	16,837
Schedule of Loans by Rating	'
	The following tables present gross loans by risk rating:
			31-Mar-14
						Special
			Pass			Mention			Substandard			Doubtful			Total
			(in thousands)
	Manufactured housing		$	156,727		$	-		$	14,027		$	-		$	170,754
	Commercial real estate:
	Commercial real estate			100,932			3,576			3,663			-			108,171
	SBA 504 1st trust deed			31,114			566			531			-			32,211
	Land			2,027			-			140			-			2,167
	Construction			9,244			-			-			-			9,244
	Commercial			44,199			234			3,740			17			48,190
	SBA			14,151			133			1,780			-			16,064
	HELOC			13,970			-			1,086			-			15,056
	Single family real estate			9,742			-			901			-			10,643
	Consumer			150			-			-			-			150
	Total, net		$	382,256		$	4,509		$	25,868		$	17		$	412,650
	SBA guarantee			-			-			5,731			453			6,184
	Total		$	382,256		$	4,509		$	31,599		$	470		$	418,834
			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
Troubled Debt Restructurings	'
	The following tables summarize the financial effects of TDR loans by loan class for the periods presented:
			For the Three Months Ended March 31, 2014
			Number			Pre-			Post			Balance of			Balance of			Effect on
			of Loans			Modification			Modification			Loans with			Loans with			Allowance for
						Recorded Investment			Recorded Investment			Rate Reduction			Term Extension			Loan Losses
			(dollars in thousands)
	Manufactured housing			4		$	187		$	187			187		$	187			5
	Commercial real estate			-			-			-			-			-			-
	SBA 504 1st trust deed			-			-			-			-			-			-
	Construction			-			-			-			-			-			-
	Commercial			-			-			-			-			-			-
	SBA			-			-			-			-			-			-
	HELOC			-			-			-			-			-			-
	Single family real estate			-			-			-			-			-			-
	Consumer			-			-			-			-			-			-
	Total			4		$	187		$	187		$	187		$	187		$	5
			For the Three Months Ended March 31, 2013
			Number			Pre-			Post			Balance of			Balance of			Effect on
			of Loans			Modification			Modification			Loans with			Loans with			Allowance for
						Recorded Investment			Recorded Investment			Rate Reduction			Term Extension			Loan Losses
			(dollars in thousands)
	Manufactured housing			7		$	479		$	453			117		$	453			24
	Commercial real estate			1			286			286			-			286			20
	SBA 504 1st trust deed			-			-			-			-			-			-
	Construction			-			-			-			-			-			-
	Commercial			1			216			216			-			216			4
	SBA			-			-			-			-			-			-
	HELOC			-			-			-			-			-			-
	Single family real estate			-			-			-			-			-			-
	Consumer			-			-			-			-			-			-
	Total			9		$	981		$	955		$	117		$	955		$	48
	The following tables present TDR's by class that occurred in the past three months for which there was a payment default during the period:
			Three Months Ended
			March 31,
			2014									2013
			Number			Recorded			Effect on			Number			Recorded			Effect on
			of Loans			Investment			Allowance for			of Loans			Investment			Allowance for
									Loan Losses									Loan Losses
			(dollars in thousands)
	Manufactured housing			1		$	18		$	1			5		$	375		$	9
	SBA 504 1st			-			-			-			-			-			-
	SBA			-			-			-			-			-			-
	Total			1		$	18		$	1			5		$	375		$	9

OTHER_ASSETS_ACQUIRED_THROUGH_1

OTHER ASSETS ACQUIRED THROUGH FORECLOSURE (Tables)	3 Months Ended
	Mar. 31, 2014
OTHER ASSETS ACQUIRED THROUGH FORECLOSURE [Abstract]	'
Other assets acquired through foreclosure	'
	The following table summarizes the changes in other assets acquired through foreclosure:
		Three Months Ended
		March 31,
		2014			2013
		(in thousands)
	Balance, beginning of period	$	3,811		$	1,889
	Additions		403			4,534
	Dispositions and receivables from participants		(393	)		(1,933	)
	Losses on sales, net		(40	)		(101	)
	Balance, end of period	$	3,781		$	4,389

FAIR_VALUE_MEASUREMENT_Tables

FAIR VALUE MEASUREMENT (Tables)	3 Months Ended
	Mar. 31, 2014
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		Significant		Significant		Fair
		in Active		Other		Unobservable
		Markets for		Observable		Inputs
		Identical		Inputs
		Assets
	31-Mar-14	(Level 1)		(Level 2)		(Level 3)		Value
	Assets:	(in thousands)
	Investment securities available-for-sale	$	67	$	20,125	$	-	$	20,192
	Interest only strips		-		-		334		334
	Servicing assets		-		-		262		262
		$	67	$	20,125	$	596	$	20,788
		Fair Value Measurements at the End of the Reporting Period Using:
		Quoted Prices		Significant		Significant		Fair
		in Active		Other		Unobservable
		Markets for		Observable		Inputs
		Identical		Inputs
		Assets
	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
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		Active		Unobservable
				in Active		Markets for		Inputs
				Markets for		Similar Assets
				Identical Assets
		Total		(Level 1)		(Level 2)		(Level 3)
		(in thousands)
	As of March 31, 2014:
	Impaired loans	$	17,107	$	-	$	3,651	$	13,456
	Loans held for sale		70,442		-		70,442		-
	Foreclosed real estate and repossesed assets		3,781		-		3,781		-
		$	91,330	$	-	$	77,874	$	13,456
	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
Estimated fair values and carrying values of financial instruments	'
	The estimated fair value of the Company’s financial instruments is as follows:
		31-Mar-14
		Carrying		Fair Value
		Amount		Level 1		Level 2		Level 3		Total
	Financial assets:	(in thousands)
	Cash and cash equivalents	$	19,050	$	19,050	$	-	$	-	$	19,050
	Interest-bearing deposits in other financial institutions		99		99		-		-		99
	FRB and FHLB stock		3,018		-		3,018				3,018
	Investment securities		29,602		67		29,974		-		30,041
	Loans, net		473,123		-		471,513		13,456		484,969
	Financial liabilities:
	Deposits		325,960		-		325,960		-		325,960
	Time deposits		120,565		-		120,366		-		120,366
	Other borrowings		30,000		-		30,407		-		30,407
		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

STOCKHOLDERS_EQUITY_Tables

STOCKHOLDERS' EQUITY (Tables)	3 Months Ended
	Mar. 31, 2014
STOCKHOLDERS' EQUITY [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:
		Three Months Ended
		March 31,
		2014			2013
		Unrealized holding gains
		(losses) on AFS
		(in thousands)
	Beginning balance	$	(274	)	$	35
	Other comprehensive income before reclassifications		95			(23	)
	Amounts reclassified from accumulated other comprehensive income		-			-
	Net current-period other comprehensive income		95			(23	)
	Ending Balance	$	(179	)	$	12

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	3 Months Ended
	Mar. 31, 2014
EARNINGS PER SHARE [Abstract]	'
Reconciliation of Basic and Diluted Earnings per Share	'
	The following table presents a reconciliation of basic earnings per share and diluted earnings per share:
		Three Months Ended
		March 31,
		2014		2013
		(in thousands, except per share amounts)
	Net income	$	1,442	$	1,089
	Less: dividends and accretion on preferred stock		273		262
	Net income available to common stockholders	$	1,169	$	827
	Add: debenture interest expense and costs, net of income taxes		103		105
	Net income for diluted calculation of earnings per common share	$	1,272	$	932
	Weighted average number of common shares outstanding - basic		7,971		6,011
	Weighted average number of common shares outstanding - diluted		8,534		8,301
	Earnings per share:
	Basic	$	0.15	$	0.14
	Diluted	$	0.15	$	0.11

SUMMARY_OF_SIGNIFICANT_ACCOUNT2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) (USD $)	3 Months Ended
	Mar. 31, 2014
	Payment
	Quarter
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
Allowance for Loan Losses and Provision for Credit 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
Commercial, Commercial Real Estate and SBA Loans [Member]	'
Allowance for Loan Losses and Provision for Credit Losses [Abstract]	'
Number of days for unsecured loans to be charged off	'90 days
Single Family Real Estate, HELOC's and Manufactured Loans [Member]	'
Allowance for Loan Losses and Provision for Credit 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]	'
Allowance for Loan Losses and Provision for Credit 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]	'
Allowance for Loan Losses and Provision for Credit Losses [Abstract]	'
Number of days for unsecured loans to be charged off	'120 days
Consumer [Member]	'
Allowance for Loan Losses and Provision for Credit Losses [Abstract]	'
Period of past due after which loan is considered as uncollectible	'120 days

INVESTMENT_SECURITIES_Details

INVESTMENT SECURITIES (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
Securities available-for-sale [Abstract]	'	'
Amortized Cost	$20,495,000	$18,937,000
Gross Unrealized Gains	16,000	17,000
Gross Unrealized (Losses)	-319,000	-482,000
Fair Value	20,192,000	18,472,000
Securities held-to-maturity [Abstract]	'	'
Amortized Cost	9,410,000	9,688,000
Gross Unrealized Gains	459,000	442,000
Gross Unrealized (Losses)	-20,000	-29,000
Fair Value	9,849,000	10,101,000
Available-for-sale and held to maturity securities disclosure [Abstract]	'	'
Securities pledged as collateral	29,500,000	28,000,000
U.S. Government Agency [Member] | MBS [Member]	'	'
Securities held-to-maturity [Abstract]	'	'
Amortized Cost	9,410,000	9,688,000
Gross Unrealized Gains	459,000	442,000
Gross Unrealized (Losses)	-20,000	-29,000
Fair Value	9,849,000	10,101,000
U.S. Government Agency [Member] | Notes [Member]	'	'
Securities available-for-sale [Abstract]	'	'
Amortized Cost	7,876,000	7,867,000
Gross Unrealized Gains	3,000	0
Gross Unrealized (Losses)	-247,000	-389,000
Fair Value	7,632,000	7,478,000
U.S. Government Agency [Member] | MBS [Member]	'	'
Securities available-for-sale [Abstract]	'	'
Amortized Cost	60,000	61,000
Gross Unrealized Gains	3,000	3,000
Gross Unrealized (Losses)	0	0
Fair Value	63,000	64,000
U.S. Government Agency [Member] | CMO [Member]	'	'
Securities available-for-sale [Abstract]	'	'
Amortized Cost	12,493,000	10,943,000
Gross Unrealized Gains	9,000	11,000
Gross Unrealized (Losses)	-72,000	-93,000
Fair Value	12,430,000	10,861,000
Equity Securities [Member] | Farmer Mac class A stock [Member]	'	'
Securities available-for-sale [Abstract]	'	'
Amortized Cost	66,000	66,000
Gross Unrealized Gains	1,000	3,000
Gross Unrealized (Losses)	0	0
Fair Value	$67,000	$69,000

INVESTMENT_SECURITIES_Maturity

INVESTMENT SECURITIES, Maturity Periods and Weighted Average Yields (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Maturity periods and weighted average yields of investment securities available-for-sale [Abstract]	'	'
Less than One Year, Amount	$7,632	$7,478
Less than One Year, Yield (in hundredths)	1.90%	1.90%
One to Five Years, Amount	4,803	5,075
One to Five Years, Yield (in hundredths)	0.60%	0.60%
Five to Ten Years, Amount	3,872	3,918
Five to Ten Years, Yield (in hundredths)	0.60%	0.60%
Over Ten Years, Amount	3,818	1,932
Over Ten Years, Yield (in hundredths)	1.10%	0.90%
Total Amount	20,192	18,472
Total Yield (in hundredths)	1.20%	1.20%
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	2,065	2,641
One to Five Years, Yield (in hundredths)	4.80%	4.40%
Five to Ten Years, Amount	7,345	7,047
Five to Ten Years, Yield (in hundredths)	2.70%	2.70%
Over Ten Years, Amount	0	0
Over Ten Years, Yield (in hundredths)	0.00%	0.00%
Total Amount	9,410	9,688
Total Yield (in hundredths)	3.10%	3.10%
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	2,065	2,641
One to Five Years, Yield (in hundredths)	4.80%	4.40%
Five to Ten Years, Amount	7,345	7,047
Five to Ten Years, Yield (in hundredths)	2.70%	2.70%
Over Ten Years, Amount	0	0
Over Ten Years, Yield (in hundredths)	0.00%	0.00%
Total Amount	9,410	9,688
Total Yield (in hundredths)	3.10%	3.10%
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	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	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	67	69
Total Yield (in hundredths)	0.00%	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	7,632	7,478
Less than One Year, Yield (in hundredths)	1.90%	1.90%
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	7,632	7,478
Total Yield (in hundredths)	1.90%	1.90%
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	63	64
Five to Ten Years, Yield (in hundredths)	2.20%	2.20%
Over Ten Years, Amount	0	0
Over Ten Years, Yield (in hundredths)	0.00%	0.00%
Total Amount	63	64
Total Yield (in hundredths)	2.20%	2.20%
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	0
Less than One Year, Yield (in hundredths)	0.00%	0.00%
One to Five Years, Amount	4,803	5,075
One to Five Years, Yield (in hundredths)	0.60%	0.60%
Five to Ten Years, Amount	3,809	3,854
Five to Ten Years, Yield (in hundredths)	0.50%	0.60%
Over Ten Years, Amount	3,818	1,932
Over Ten Years, Yield (in hundredths)	1.10%	0.90%
Total Amount	$12,430	$10,861
Total Yield (in hundredths)	0.70%	0.70%

INVESTMENT_SECURITIES_Amortize

INVESTMENT SECURITIES, Amortized Cost and Fair Value of Securities (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Securities available-for-sale, Amortized Cost [Abstract]	'	'
Due in one year or less	$7,876	$7,867
After one year through five years	4,801	5,070
After five years through ten years	3,895	3,945
After ten years	3,857	1,989
Farmer Mac class A stock	66	66
Total	20,495	18,937
Securities available for sale, Estimated Fair Value [Abstract]	'	'
Due in one year or less	7,632	7,478
After one year through five years	4,803	5,075
After five years through ten years	3,872	3,918
After ten years	3,818	1,932
Farmer Mac class A stock	67	69
Fair Value	20,192	18,472
Securities held to maturity, Amortized Cost [Abstract]	'	'
Due in one year or less	0	0
After one year through five years	2,065	2,641
After five years through ten years	7,345	7,047
After ten years	0	0
Total	9,410	9,688
Securities held to maturity, Estimated Fair Value [Abstract]	'	'
Due in one year or less	0	0
After one year through five years	2,220	2,815
After five years through ten years	7,629	7,286
After ten years	0	0
Fair Value	$9,849	$10,101

INVESTMENT_SECURITIES_Unrealiz

INVESTMENT SECURITIES, Unrealized Loss Positions (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Security	Security
Securities available-for-sale, continuous unrealized loss position [Abstract]	'	'
Less Than Twelve Months, Gross Unrealized Losses	$291	$482
Less Than Twelve Months, Fair Value	12,585	14,436
More Than Twelve Months, Gross Unrealized Losses	28	0
More Than Twelve Months, Fair Value	2,583	0
Total, Gross Unrealized Loss	319	482
Total, Fair Value	15,168	14,436
Securities held-to-maturity, continuous unrealized loss position [Abstract]	'	'
Less Than Twelve Months, Gross Unrealized Losses	20	29
Less Than Twelve Months, Fair Value	1,066	1,063
More Than Twelve Months, Gross Unrealized Losses	0	0
More Than Twelve Months, Fair Value	0	0
Total, Gross Unrealized Loss	20	29
Total, Fair Value	1,066	1,063
Securities in unrealized loss positions	11	9
U.S. Government Agency [Member] | MBS [Member]	'	'
Securities held-to-maturity, continuous unrealized loss position [Abstract]	'	'
Less Than Twelve Months, Gross Unrealized Losses	20	29
Less Than Twelve Months, Fair Value	1,066	1,063
More Than Twelve Months, Gross Unrealized Losses	0	0
More Than Twelve Months, Fair Value	0	0
Total, Gross Unrealized Loss	20	29
Total, Fair Value	1,066	1,063
U.S. Government Agency [Member] | Notes [Member]	'	'
Securities available-for-sale, continuous unrealized loss position [Abstract]	'	'
Less Than Twelve Months, Gross Unrealized Losses	247	389
Less Than Twelve Months, Fair Value	5,748	7,478
More Than Twelve Months, Gross Unrealized Losses	0	0
More Than Twelve Months, Fair Value	0	0
Total, Gross Unrealized Loss	247	389
Total, Fair Value	5,748	7,478
U.S. Government Agency [Member] | CMO [Member]	'	'
Securities available-for-sale, continuous unrealized loss position [Abstract]	'	'
Less Than Twelve Months, Gross Unrealized Losses	44	93
Less Than Twelve Months, Fair Value	6,837	6,958
More Than Twelve Months, Gross Unrealized Losses	28	0
More Than Twelve Months, Fair Value	2,583	0
Total, Gross Unrealized Loss	72	93
Total, Fair Value	9,420	6,958
Equity Securities [Member] | Farmer Mac class A stock [Member]	'	'
Securities available-for-sale, continuous unrealized loss position [Abstract]	'	'
Less Than Twelve Months, Gross Unrealized Losses	0	0
Less Than Twelve Months, Fair Value	0	0
More Than Twelve Months, Gross Unrealized Losses	0	0
More Than Twelve Months, Fair Value	0	0
Total, Gross Unrealized Loss	0	0
Total, Fair Value	$0	$0

LOAN_SALES_AND_SERVICING_SBA_L

LOAN SALES AND SERVICING, SBA Loans (Details) (USD $)	3 Months Ended
	Mar. 31, 2014	Dec. 31, 2013
Servicing Asset at Amortized Cost [Line Items]	'	'
Loans included in loans held for sale	$65,931,000	$64,399,000
SBA [Member]	'	'
Servicing Asset at Amortized Cost [Line Items]	'	'
Percentage of loan amount unguaranteed to be periodically sold to third part for cash premium, minimum (in hundredths)	5.00%	'
Percentage as required principal balance of each loan, minimum (in hundredths)	5.00%	'
Loans included in loans held for sale	46,600,000	47,600,000
Principal balance of loans serviced	27,900,000	30,700,000
US Department of Agriculture [Member]	'	'
Servicing Asset at Amortized Cost [Line Items]	'	'
Loans included in loans held for sale	19,000,000	16,800,000
Principal balance of loans serviced	$2,500,000	$2,500,000

LOAN_SALES_AND_SERVICING_Inter

LOAN SALES AND SERVICING, Interest Only Strips (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Interest only strips accounted for under fair value method [Roll Forward]	'	'
Beginning balance	$334	$426
Adjustment to fair value	0	-11
Ending balance	334	415
Interest only strips key data assumptions for fair value [Abstract]	'	'
Weighted-average constant prepayment rate (in hundredths)	5.29%	5.37%
Weighted-average life (in years)	'6 years	'6 years
Weighted-average discount rate (in hundredths)	11.89%	12.08%
Discount Rate [Abstract]	'	'
Increase in fair value from 100 basis point decrease	9	12
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 $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Servicing rights accounted for under the amortization method [Roll Forward]	'	'
Beginning balance	$268	$383
Amortization	-28	-28
Ending balance	240	355
Servicing rights accounted for under the fair value method [Roll Forward]	'	'
Beginning balance	300	348
Additions through loan sales	0	0
Adjustment to fair value	-38	-4
Ending balance	262	344
Assumptions used in estimating the fair value of servicing rights [Abstract]	'	'
Weighted-average constant prepayment rate (in hundredths)	5.52%	4.89%
Weighted-average life (in years)	'9 years	'9 years
Weighted-average discount rate (in hundredths)	11.93%	13.17%
Discount Rate [Abstract]	'	'
Increase in fair value from 100 basis points decrease	11	14
Decrease in fair value from 100 basis points increase	-10	-13
Constant Prepayment Rate [Abstract]	'	'
Increase in fair value from 10 percent decrease	6	7
Decrease in fair value from 10 percent increase	($6)	($7)

LOAN_SALES_AND_SERVICING_Mortg

LOAN SALES AND SERVICING, Mortgage Loans (Details) (USD $)	3 Months Ended
In Millions, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Mortgage Loan Sales [Abstract]	'	'
Period for entity entered into mortgage loan rate lock commitments	'30 days	'
Mortgage loan interest rate lock commitments amount	$2.50	$0
Mortgage loan forward sale commitments amount	$1.20	$0

LOANS_HELD_FOR_INVESTMENT_Deta

LOANS HELD FOR INVESTMENT (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Loans held for investment [Abstract]	'	'
Loan held for investment, gross	$418,834	$410,198
Allowance for loan losses	11,356	12,208
Deferred fees, net	6	45
Discount on SBA loans	280	339
Total loans held for investment, net	407,192	397,606
Manufactured Housing [Member]	'	'
Loans held for investment [Abstract]	'	'
Loan held for investment, gross	170,754	172,055
Commercial Real Estate [Member]	'	'
Loans held for investment [Abstract]	'	'
Loan held for investment, gross	151,793	142,678
Commercial [Member]	'	'
Loans held for investment [Abstract]	'	'
Loan held for investment, gross	48,190	45,647
SBA [Member]	'	'
Loans held for investment [Abstract]	'	'
Loan held for investment, gross	22,248	24,066	[1]
HELOC [Member]	'	'
Loans held for investment [Abstract]	'	'
Loan held for investment, gross	15,056	15,418
Single Family Real Estate [Member]	'	'
Loans held for investment [Abstract]	'	'
Loan held for investment, gross	10,643	10,150
Consumer [Member]	'	'
Loans held for investment [Abstract]	'	'
Loan held for investment, gross	$150	$184
[1]	$0.4 million of the $0.5 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 $)	Mar. 31, 2014	Dec. 31, 2013
Aging of loans held for investment [Abstract]	'	'
Current	$418,075,000	$407,597,000
30-59 Days Past Due	403,000	1,432,000
60-89 Days Past Due	139,000	135,000
Over 90 Days Past Due	217,000	1,034,000
Total Past Due	759,000	2,601,000
Total loans held for investment	418,834,000	410,198,000
Recorded Investment Over 90 Days and Accruing	0	66,000
SBA Guaranteed Loans [Member]	'	'
Aging of loans held for investment [Abstract]	'	'
Total loans held for investment	6,184,000	7,104,000
Manufactured Housing [Member]	'	'
Aging of loans held for investment [Abstract]	'	'
Current	170,156,000	170,647,000
30-59 Days Past Due	403,000	1,076,000
60-89 Days Past Due	139,000	135,000
Over 90 Days Past Due	56,000	197,000
Total Past Due	598,000	1,408,000
Total loans held for investment	170,754,000	172,055,000
Recorded Investment Over 90 Days and Accruing	0	0
Commercial Real Estate [Member]	'	'
Aging of loans held for investment [Abstract]	'	'
Total loans held for investment	151,793,000	142,678,000
Commercial Real Estate [Member] | Commercial Real Estate [Member]	'	'
Aging of loans held for investment [Abstract]	'	'
Current	108,171,000	96,393,000
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	108,171,000	96,393,000
Recorded Investment Over 90 Days and Accruing	0	0
Commercial Real Estate [Member] | SBA 504 1st trust deed [Member]	'	'
Aging of loans held for investment [Abstract]	'	'
Current	32,211,000	33,798,000
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
Over 90 Days Past Due	0	467,000
Total Past Due	0	467,000
Total loans held for investment	32,211,000	34,265,000
Recorded Investment Over 90 Days and Accruing	0	0
Commercial Real Estate [Member] | Land [Member]	'	'
Aging of loans held for investment [Abstract]	'	'
Current	2,027,000	1,817,000
30-59 Days Past Due	0	140,000
60-89 Days Past Due	0	0
Over 90 Days Past Due	140,000	0
Total Past Due	140,000	140,000
Total loans held for investment	2,167,000	1,957,000
Recorded Investment Over 90 Days and Accruing	0	0
Commercial Real Estate [Member] | Construction [Member]	'	'
Aging of loans held for investment [Abstract]	'	'
Current	9,244,000	10,063,000
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	9,244,000	10,063,000
Recorded Investment Over 90 Days and Accruing	0	0
Commercial [Member]	'	'
Aging of loans held for investment [Abstract]	'	'
Current	48,190,000	45,605,000
30-59 Days Past Due	0	42,000
60-89 Days Past Due	0	0
Over 90 Days Past Due	0	0
Total Past Due	0	42,000
Total loans held for investment	48,190,000	45,647,000
Recorded Investment Over 90 Days and Accruing	0	0
SBA [Member]	'	'
Aging of loans held for investment [Abstract]	'	'
Current	22,227,000	23,613,000	[1]
30-59 Days Past Due	0	149,000	[1]
60-89 Days Past Due	0	0	[1]
Over 90 Days Past Due	21,000	304,000	[1]
Total Past Due	21,000	453,000	[1]
Total loans held for investment	22,248,000	24,066,000	[1]
Recorded Investment Over 90 Days and Accruing	0	0	[1]
SBA [Member] | SBA Guaranteed Loans [Member]	'	'
Aging of loans held for investment [Abstract]	'	'
Guaranteed past due loans	'	400,000
HELOC [Member]	'	'
Aging of loans held for investment [Abstract]	'	'
Current	15,056,000	15,393,000
30-59 Days Past Due	0	25,000
60-89 Days Past Due	0	0
Over 90 Days Past Due	0	0
Total Past Due	0	25,000
Total loans held for investment	15,056,000	15,418,000
Recorded Investment Over 90 Days and Accruing	0	0
Single Family Real Estate [Member]	'	'
Aging of loans held for investment [Abstract]	'	'
Current	10,643,000	10,084,000
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
Over 90 Days Past Due	0	66,000
Total Past Due	0	66,000
Total loans held for investment	10,643,000	10,150,000
Recorded Investment Over 90 Days and Accruing	0	66,000
Consumer [Member]	'	'
Aging of loans held for investment [Abstract]	'	'
Current	150,000	184,000
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	150,000	184,000
Recorded Investment Over 90 Days and Accruing	$0	$0
[1]	$0.4 million of the $0.5 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
	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'
Beginning balance	$12,208,000	$14,464,000	'
Charge-offs	-252,000	-687,000	'
Recoveries	771,000	369,000	'
Net charge-offs	519,000	-318,000	'
Provision	-1,371,000	-196,000	'
Ending balance	11,356,000	13,950,000	'
Reserve for credit losses on undisbursed loans	100,000	'	100,000
Manufactured Housing [Member]	'	'	'
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'
Beginning balance	5,114,000	5,945,000	'
Charge-offs	-240,000	-427,000	'
Recoveries	36,000	115,000	'
Net charge-offs	-204,000	-312,000	'
Provision	-30,000	238,000	'
Ending balance	4,880,000	5,871,000	'
Commercial Real Estate [Member]	'	'	'
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'
Beginning balance	2,552,000	2,627,000	'
Charge-offs	0	-4,000	'
Recoveries	639,000	14,000	'
Net charge-offs	639,000	10,000	'
Provision	-907,000	65,000	'
Ending balance	2,284,000	2,702,000	'
Commercial [Member]	'	'	'
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'
Beginning balance	2,064,000	2,325,000	'
Charge-offs	0	-16,000	'
Recoveries	29,000	61,000	'
Net charge-offs	29,000	45,000	'
Provision	-265,000	-401,000	'
Ending balance	1,828,000	1,969,000	'
SBA [Member]	'	'	'
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'
Beginning balance	1,951,000	2,733,000	'
Charge-offs	-12,000	-115,000	'
Recoveries	51,000	177,000	'
Net charge-offs	39,000	62,000	'
Provision	-132,000	39,000	'
Ending balance	1,858,000	2,834,000	'
HELOC [Member]	'	'	'
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'
Beginning balance	280,000	634,000	'
Charge-offs	0	-39,000	'
Recoveries	15,000	0	'
Net charge-offs	15,000	-39,000	'
Provision	-30,000	-213,000	'
Ending balance	265,000	382,000	'
Single Family Real Estate [Member]	'	'	'
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'
Beginning balance	245,000	198,000	'
Charge-offs	0	-57,000	'
Recoveries	1,000	2,000	'
Net charge-offs	1,000	-55,000	'
Provision	-7,000	48,000	'
Ending balance	239,000	191,000	'
Consumer [Member]	'	'	'
Summary of provision, charge-offs and recoveries by loan category [Abstract]	'	'	'
Beginning balance	2,000	2,000	'
Charge-offs	0	-29,000	'
Recoveries	0	0	'
Net charge-offs	0	-29,000	'
Provision	0	28,000	'
Ending balance	$2,000	$1,000	'

LOANS_HELD_FOR_INVESTMENT_Impa

LOANS HELD FOR INVESTMENT, Impaired Financing Receivables (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013		Mar. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Recorded Investment [Abstract]	'	'		'	'
Impaired loans with an allowance recorded	$14,744	$15,140		'	'
Impaired loans with no allowance recorded	3,651	4,980		'	'
Total loans individually evaluated for impairment	18,395	20,120		'	'
Loans collectively evaluated for impairment	400,439	390,078		'	'
Total loans held for investment	418,834	410,198		'	'
Unpaid Principal Balance [Abstract]	'	'		'	'
Impaired loans with an allowance recorded	22,661	22,624		'	'
Impaired loans with no allowance recorded	7,872	10,459		'	'
Total loans individually evaluated for impairment	30,533	33,083		'	'
Loans collectively evaluated for impairment	400,439	390,078		'	'
Total loans held for investment	430,972	423,161		'	'
Related Allowance for Credit Losses [Abstract]	'	'		'	'
Impaired loans with an allowance recorded	1,288	1,439		'	'
Impaired loans with no allowance recorded	0	0		'	'
Total loans individually evaluated for impairment	1,288	1,439		'	'
Loans collectively evaluated for impairment	10,068	10,769		'	'
Total loans held for investment	11,356	12,208		13,950	14,464
Impaired loans with a specific valuation allowance under ASC 310	14,744	15,140		'	'
Impaired loans without a specific valuation allowance under ASC 310	3,651	4,980		'	'
Impaired loans	18,395	20,120		'	'
Valuation allowance related to impaired loans	1,288	1,439		'	'
Manufactured Housing [Member]	'	'		'	'
Recorded Investment [Abstract]	'	'		'	'
Impaired loans with an allowance recorded	6,326	6,368		'	'
Impaired loans with no allowance recorded	2,240	2,782		'	'
Total loans individually evaluated for impairment	8,566	9,150		'	'
Loans collectively evaluated for impairment	162,188	162,905		'	'
Total loans held for investment	170,754	172,055		'	'
Unpaid Principal Balance [Abstract]	'	'		'	'
Impaired loans with an allowance recorded	7,057	6,962		'	'
Impaired loans with no allowance recorded	4,006	4,536		'	'
Total loans individually evaluated for impairment	11,063	11,498		'	'
Loans collectively evaluated for impairment	162,188	162,905		'	'
Total loans held for investment	173,251	174,403		'	'
Related Allowance for Credit Losses [Abstract]	'	'		'	'
Impaired loans with an allowance recorded	469	618		'	'
Impaired loans with no allowance recorded	0	0		'	'
Total loans individually evaluated for impairment	469	618		'	'
Loans collectively evaluated for impairment	4,411	4,496		'	'
Total loans held for investment	4,880	5,114		5,871	5,945
Impaired loans with a specific valuation allowance under ASC 310	6,326	6,368		'	'
Impaired loans without a specific valuation allowance under ASC 310	2,240	2,782		'	'
Impaired loans	8,566	9,150		'	'
Commercial Real Estate [Member]	'	'		'	'
Recorded Investment [Abstract]	'	'		'	'
Impaired loans with an allowance recorded	2,134	2,322		'	'
Impaired loans with no allowance recorded	1,183	1,628		'	'
Total loans individually evaluated for impairment	3,317	3,950		'	'
Loans collectively evaluated for impairment	148,476	138,728		'	'
Total loans held for investment	151,793	142,678		'	'
Unpaid Principal Balance [Abstract]	'	'		'	'
Impaired loans with an allowance recorded	2,211	2,367		'	'
Impaired loans with no allowance recorded	3,185	3,834		'	'
Total loans individually evaluated for impairment	5,396	6,201		'	'
Loans collectively evaluated for impairment	148,476	138,728		'	'
Total loans held for investment	153,872	144,929		'	'
Related Allowance for Credit Losses [Abstract]	'	'		'	'
Impaired loans with an allowance recorded	112	159		'	'
Impaired loans with no allowance recorded	0	0		'	'
Total loans individually evaluated for impairment	112	159		'	'
Loans collectively evaluated for impairment	2,172	2,393		'	'
Total loans held for investment	2,284	2,552		2,702	2,627
Impaired loans with a specific valuation allowance under ASC 310	2,134	2,322		'	'
Impaired loans without a specific valuation allowance under ASC 310	1,183	1,628		'	'
Commercial [Member]	'	'		'	'
Recorded Investment [Abstract]	'	'		'	'
Impaired loans with an allowance recorded	3,437	3,583		'	'
Impaired loans with no allowance recorded	46	254		'	'
Total loans individually evaluated for impairment	3,483	3,837		'	'
Loans collectively evaluated for impairment	44,707	41,810		'	'
Total loans held for investment	48,190	45,647		'	'
Unpaid Principal Balance [Abstract]	'	'		'	'
Impaired loans with an allowance recorded	3,922	3,956		'	'
Impaired loans with no allowance recorded	50	235		'	'
Total loans individually evaluated for impairment	3,972	4,191		'	'
Loans collectively evaluated for impairment	44,707	41,810		'	'
Total loans held for investment	48,679	46,001		'	'
Related Allowance for Credit Losses [Abstract]	'	'		'	'
Impaired loans with an allowance recorded	379	437		'	'
Impaired loans with no allowance recorded	0	0		'	'
Total loans individually evaluated for impairment	379	437		'	'
Loans collectively evaluated for impairment	1,449	1,627		'	'
Total loans held for investment	1,828	2,064		1,969	2,325
Impaired loans with a specific valuation allowance under ASC 310	3,437	3,583		'	'
Impaired loans without a specific valuation allowance under ASC 310	46	254		'	'
Impaired loans	3,483	3,837		'	'
SBA [Member]	'	'		'	'
Recorded Investment [Abstract]	'	'		'	'
Impaired loans with an allowance recorded	1,641	1,607		'	'
Impaired loans with no allowance recorded	80	210		'	'
Total loans individually evaluated for impairment	1,721	1,817		'	'
Loans collectively evaluated for impairment	20,527	22,249		'	'
Total loans held for investment	22,248	24,066	[1]	'	'
Unpaid Principal Balance [Abstract]	'	'		'	'
Impaired loans with an allowance recorded	8,214	8,045		'	'
Impaired loans with no allowance recorded	438	1,610		'	'
Total loans individually evaluated for impairment	8,652	9,655		'	'
Loans collectively evaluated for impairment	20,527	22,249		'	'
Total loans held for investment	29,179	31,904		'	'
Related Allowance for Credit Losses [Abstract]	'	'		'	'
Impaired loans with an allowance recorded	249	139		'	'
Impaired loans with no allowance recorded	0	0		'	'
Total loans individually evaluated for impairment	249	139		'	'
Loans collectively evaluated for impairment	1,609	1,812		'	'
Total loans held for investment	1,858	1,951		2,834	2,733
Impaired loans with a specific valuation allowance under ASC 310	1,641	1,607		'	'
Impaired loans without a specific valuation allowance under ASC 310	80	210		'	'
Impaired loans	1,721	1,817		'	'
HELOC [Member]	'	'		'	'
Recorded Investment [Abstract]	'	'		'	'
Impaired loans with an allowance recorded	579	615		'	'
Impaired loans with no allowance recorded	0	0		'	'
Total loans individually evaluated for impairment	579	615		'	'
Loans collectively evaluated for impairment	14,477	14,803		'	'
Total loans held for investment	15,056	15,418		'	'
Unpaid Principal Balance [Abstract]	'	'		'	'
Impaired loans with an allowance recorded	599	630		'	'
Impaired loans with no allowance recorded	0	0		'	'
Total loans individually evaluated for impairment	599	630		'	'
Loans collectively evaluated for impairment	14,477	14,803		'	'
Total loans held for investment	15,076	15,433		'	'
Related Allowance for Credit Losses [Abstract]	'	'		'	'
Impaired loans with an allowance recorded	26	29		'	'
Impaired loans with no allowance recorded	0	0		'	'
Total loans individually evaluated for impairment	26	29		'	'
Loans collectively evaluated for impairment	239	251		'	'
Total loans held for investment	265	280		382	634
Impaired loans with a specific valuation allowance under ASC 310	579	615		'	'
Impaired loans without a specific valuation allowance under ASC 310	0	0		'	'
Impaired loans	579	615		'	'
Single Family Real Estate [Member]	'	'		'	'
Recorded Investment [Abstract]	'	'		'	'
Impaired loans with an allowance recorded	627	645		'	'
Impaired loans with no allowance recorded	102	106		'	'
Total loans individually evaluated for impairment	729	751		'	'
Loans collectively evaluated for impairment	9,914	9,399		'	'
Total loans held for investment	10,643	10,150		'	'
Unpaid Principal Balance [Abstract]	'	'		'	'
Impaired loans with an allowance recorded	658	664		'	'
Impaired loans with no allowance recorded	193	244		'	'
Total loans individually evaluated for impairment	851	908		'	'
Loans collectively evaluated for impairment	9,914	9,399		'	'
Total loans held for investment	10,765	10,307		'	'
Related Allowance for Credit Losses [Abstract]	'	'		'	'
Impaired loans with an allowance recorded	53	57		'	'
Impaired loans with no allowance recorded	0	0		'	'
Total loans individually evaluated for impairment	53	57		'	'
Loans collectively evaluated for impairment	186	188		'	'
Total loans held for investment	239	245		191	198
Impaired loans with a specific valuation allowance under ASC 310	627	645		'	'
Impaired loans without a specific valuation allowance under ASC 310	102	106		'	'
Impaired loans	729	751		'	'
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	150	184		'	'
Total loans held for investment	150	184		'	'
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	150	184		'	'
Total loans held for investment	150	184		'	'
Related Allowance for Credit Losses [Abstract]	'	'		'	'
Impaired loans with an allowance recorded	'	0		'	'
Impaired loans with no allowance recorded	0	0		'	'
Total loans individually evaluated for impairment	0	0		'	'
Loans collectively evaluated for impairment	2	2		'	'
Total loans held for investment	2	2		1	2
Impaired loans with a specific valuation allowance under ASC 310	0	0		'	'
Impaired loans without 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.

LOANS_HELD_FOR_INVESTMENT_Impa1

LOANS HELD FOR INVESTMENT, Impaired Loans by Class of Loans (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Impaired loans by class of loans [Abstract]	'	'
Impaired loans	$18,395	$20,120
Manufactured Housing [Member]	'	'
Impaired loans by class of loans [Abstract]	'	'
Impaired loans	8,566	9,150
Commercial Real Estate [Member] | Commercial Real Estate [Member]	'	'
Impaired loans by class of loans [Abstract]	'	'
Impaired loans	2,646	2,805
Commercial Real Estate [Member] | SBA 504 1st trust deed [Member]	'	'
Impaired loans by class of loans [Abstract]	'	'
Impaired loans	531	1,005
Commercial Real Estate [Member] | Land [Member]	'	'
Impaired loans by class of loans [Abstract]	'	'
Impaired loans	140	140
Commercial Real Estate [Member] | Construction [Member]	'	'
Impaired loans by class of loans [Abstract]	'	'
Impaired loans	0	0
Commercial [Member]	'	'
Impaired loans by class of loans [Abstract]	'	'
Impaired loans	3,483	3,837
SBA [Member]	'	'
Impaired loans by class of loans [Abstract]	'	'
Impaired loans	1,721	1,817
HELOC [Member]	'	'
Impaired loans by class of loans [Abstract]	'	'
Impaired loans	579	615
Single Family Real Estate [Member]	'	'
Impaired loans by class of loans [Abstract]	'	'
Impaired loans	729	751
Consumer [Member]	'	'
Impaired loans by class of loans [Abstract]	'	'
Impaired loans	$0	$0

LOANS_HELD_FOR_INVESTMENT_Aver

LOANS HELD FOR INVESTMENT, Average Investment in Impaired Loans by Class (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Average recorded investment and interest income recognized [Abstract]	'	'
Average Investment in Impaired Loans	$19,267	$28,112
Interest Income	87	116
Manufactured Housing [Member]	'	'
Average recorded investment and interest income recognized [Abstract]	'	'
Average Investment in Impaired Loans	8,862	10,007
Interest Income	59	33
Commercial Real Estate [Member] | Commercial Real Estate [Member]	'	'
Average recorded investment and interest income recognized [Abstract]	'	'
Average Investment in Impaired Loans	2,728	10,250
Interest Income	0	6
Commercial Real Estate [Member] | SBA 504 1st trust deed [Member]	'	'
Average recorded investment and interest income recognized [Abstract]	'	'
Average Investment in Impaired Loans	768	1,281
Interest Income	5	12
Commercial Real Estate [Member] | Land [Member]	'	'
Average recorded investment and interest income recognized [Abstract]	'	'
Average Investment in Impaired Loans	140	0
Interest Income	0	0
Commercial Real Estate [Member] | Construction [Member]	'	'
Average recorded investment and interest income recognized [Abstract]	'	'
Average Investment in Impaired Loans	0	0
Interest Income	0	0
Commercial [Member]	'	'
Average recorded investment and interest income recognized [Abstract]	'	'
Average Investment in Impaired Loans	3,662	4,969
Interest Income	14	54
SBA [Member]	'	'
Average recorded investment and interest income recognized [Abstract]	'	'
Average Investment in Impaired Loans	1,770	1,161
Interest Income	3	10
HELOC [Member]	'	'
Average recorded investment and interest income recognized [Abstract]	'	'
Average Investment in Impaired Loans	597	247
Interest Income	5	0
Single Family Real Estate [Member]	'	'
Average recorded investment and interest income recognized [Abstract]	'	'
Average Investment in Impaired Loans	740	197
Interest Income	1	1
Consumer [Member]	'	'
Average recorded investment and interest income recognized [Abstract]	'	'
Average Investment in Impaired Loans	0	0
Interest Income	$0	$0

LOANS_HELD_FOR_INVESTMENT_Reco

LOANS HELD FOR INVESTMENT, Recorded Investment in Certain Types of Loans (Details) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Financing receivable recorded investment [Abstract]	'	'	'
Nonaccrual loans	$21,754,000	'	$23,263,000
SBA guaranteed portion of loans included above	-6,032,000	'	-6,426,000
Total nonaccrual loans, net	15,722,000	'	16,837,000
Troubled debt restructured loans, gross	10,769,000	'	12,308,000
Loans 30 through 89 days past due with interest accruing	60,000	'	161,000
Allowance for loan losses to gross loans held for investment (in hundredths)	2.71%	'	2.98%
Foregone interest on nonaccrual and troubled debt restructured loans	$400,000	$500,000	'

LOANS_HELD_FOR_INVESTMENT_Nona

LOANS HELD FOR INVESTMENT, Nonaccrual Loans, Net of SBA Guarantee (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'
Nonaccrual loans, net	$15,722	$16,837
Manufactured Housing [Member]	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'
Nonaccrual loans, net	6,257	6,235
Commercial Real Estate [Member] | Commercial Real Estate [Member]	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'
Nonaccrual loans, net	2,646	2,806
Commercial Real Estate [Member] | SBA 504 1st trust deed [Member]	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'
Nonaccrual loans, net	254	726
Commercial Real Estate [Member] | Land [Member]	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'
Nonaccrual loans, net	140	140
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	3,483	3,837
SBA [Member]	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'
Nonaccrual loans, net	1,709	1,803
HELOC [Member]	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'
Nonaccrual loans, net	579	615
Single Family Real Estate [Member]	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'
Nonaccrual loans, net	654	675
Consumer [Member]	'	'
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]	'	'
Nonaccrual loans, net	$0	$0

LOANS_HELD_FOR_INVESTMENT_Cred

LOANS HELD FOR INVESTMENT, Credit Quality Indicators (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment, net	$412,650	$403,094
Total loans held for investment	418,834	410,198
Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment, net	382,256	371,880
Total loans held for investment	382,256	371,880
Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment, net	4,509	4,802
Total loans held for investment	4,509	4,802
Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment, net	25,868	26,389
Total loans held for investment	31,599	33,108
Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment, net	17	23
Total loans held for investment	470	408
SBA Guaranteed Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	6,184	7,104
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	5,731	6,719
SBA Guaranteed Loans [Member] | Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	453	385
Manufactured Housing [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	170,754	172,055
Manufactured Housing [Member] | Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	156,727	158,533
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	14,027	13,522
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	151,793	142,678
Commercial Real Estate [Member] | Commercial real estate [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	108,171	96,393
Commercial Real Estate [Member] | Commercial real estate [Member] | Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	100,932	89,319
Commercial Real Estate [Member] | Commercial real estate [Member] | Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	3,576	3,600
Commercial Real Estate [Member] | Commercial real estate [Member] | Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	3,663	3,474
Commercial Real Estate [Member] | Commercial real estate [Member] | Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	0	0
Commercial Real Estate [Member] | SBA 504 1st trust deed [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	32,211	34,265
Commercial Real Estate [Member] | SBA 504 1st trust deed [Member] | Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	31,114	33,012
Commercial Real Estate [Member] | SBA 504 1st trust deed [Member] | Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	566	248
Commercial Real Estate [Member] | SBA 504 1st trust deed [Member] | Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	531	1,005
Commercial Real Estate [Member] | SBA 504 1st trust deed [Member] | Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	0	0
Commercial Real Estate [Member] | Land [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	2,167	1,957
Commercial Real Estate [Member] | Land [Member] | Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	2,027	1,817
Commercial Real Estate [Member] | Land [Member] | Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	0	0
Commercial Real Estate [Member] | Land [Member] | Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	140	140
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	9,244	10,063
Commercial Real Estate [Member] | Construction [Member] | Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	9,244	10,063
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	48,190	45,647
Commercial [Member] | Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	44,199	41,147
Commercial [Member] | Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	234	327
Commercial [Member] | Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	3,740	4,150
Commercial [Member] | Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	17	23
SBA [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	22,248	24,066	[1]
SBA [Member] | Non-guaranteed [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	16,064	16,962
SBA [Member] | Non-guaranteed [Member] | Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	14,151	14,773
SBA [Member] | Non-guaranteed [Member] | Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	133	136
SBA [Member] | Non-guaranteed [Member] | Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	1,780	2,053
SBA [Member] | Non-guaranteed [Member] | Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	0	0
HELOC [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	15,056	15,418
HELOC [Member] | Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	13,970	13,806
HELOC [Member] | Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	0	491
HELOC [Member] | Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	1,086	1,121
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	10,643	10,150
Single Family Real Estate [Member] | Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	9,742	9,226
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	901	924
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	150	184
Consumer [Member] | Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans held for investment	150	184
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	0
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.

LOANS_HELD_FOR_INVESTMENT_Trou

LOANS HELD FOR INVESTMENT, Troubled Debt Restructuring (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
	Loan	Loan
	Payment
Financing Receivable, Modifications [Line Items]	'	'
Number of Loans	4	9
Pre-Modification Recorded Investment	$187	$981
Post Modification Recorded Investment	187	955
Balance of Loans with Rate Reduction	187	117
Balance of Loan with Term Extension	187	955
Effect on Allowance for Loan Losses	5	48
Average rate concessions (in hundredths)	0.63%	1.00%
Average extension	'180 months	'111 months
Number of consecutive nonpayments for a TDR loan to be deemed default	2	'
Manufactured Housing [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Loans	4	7
Pre-Modification Recorded Investment	187	479
Post Modification Recorded Investment	187	453
Balance of Loans with Rate Reduction	187	117
Balance of Loan with Term Extension	187	453
Effect on Allowance for Loan Losses	5	24
Commercial Real Estate [Member] | Commercial Real Estate [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Loans	0	1
Pre-Modification Recorded Investment	0	286
Post Modification Recorded Investment	0	286
Balance of Loans with Rate Reduction	0	0
Balance of Loan with Term Extension	0	286
Effect on Allowance for Loan Losses	0	20
Commercial Real Estate [Member] | SBA 504 1st trust deed [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Loans	0	0
Pre-Modification Recorded Investment	0	0
Post Modification Recorded Investment	0	0
Balance of Loans with Rate Reduction	0	0
Balance of Loan with Term Extension	0	0
Effect on Allowance for Loan Losses	0	0
Commercial Real Estate [Member] | Construction [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Loans	0	0
Pre-Modification Recorded Investment	0	0
Post Modification Recorded Investment	0	0
Balance of Loans with Rate Reduction	0	0
Balance of Loan with Term Extension	0	0
Effect on Allowance for Loan Losses	0	0
Commercial [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Loans	0	1
Pre-Modification Recorded Investment	0	216
Post Modification Recorded Investment	0	216
Balance of Loans with Rate Reduction	0	0
Balance of Loan with Term Extension	0	216
Effect on Allowance for Loan Losses	0	4
SBA [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Loans	0	0
Pre-Modification Recorded Investment	0	0
Post Modification Recorded Investment	0	0
Balance of Loans with Rate Reduction	0	0
Balance of Loan with Term Extension	0	0
Effect on Allowance for Loan Losses	0	0
HELOC [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Loans	0	0
Pre-Modification Recorded Investment	0	0
Post Modification Recorded Investment	0	0
Balance of Loans with Rate Reduction	0	0
Balance of Loan with Term Extension	0	0
Effect on Allowance for Loan Losses	0	0
Single Family Real Estate [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Loans	0	0
Pre-Modification Recorded Investment	0	0
Post Modification Recorded Investment	0	0
Balance of Loans with Rate Reduction	0	0
Balance of Loan with Term Extension	0	0
Effect on Allowance for Loan Losses	0	0
Consumer [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Loans	0	0
Pre-Modification Recorded Investment	0	0
Post Modification Recorded Investment	0	0
Balance of Loans with Rate Reduction	0	0
Balance of Loan with Term Extension	0	0
Effect on Allowance for Loan Losses	$0	$0

LOANS_HELD_FOR_INVESTMENT_Trou1

LOANS HELD FOR INVESTMENT, Troubled Debt Restructured Loans With Payment Defaults (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
	Loan	Loan
Troubled debt restructured loans with payment defaults [Abstract]	'	'
Number of Loans	1	5
Recorded Investment	$18	$375
Effect on Allowance for Loan Loss	1	9
Manufactured Housing [Member]	'	'
Troubled debt restructured loans with payment defaults [Abstract]	'	'
Number of Loans	1	5
Recorded Investment	18	375
Effect on Allowance for Loan Loss	1	9
SBA 504 1st TD [Member]	'	'
Troubled debt restructured loans with payment defaults [Abstract]	'	'
Number of Loans	0	0
Recorded Investment	0	0
Effect on Allowance for Loan Loss	0	0
SBA [Member]	'	'
Troubled debt restructured loans with payment defaults [Abstract]	'	'
Number of Loans	0	0
Recorded Investment	0	0
Effect on Allowance for Loan Loss	$0	$0

OTHER_ASSETS_ACQUIRED_THROUGH_2

OTHER ASSETS ACQUIRED THROUGH FORECLOSURE (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
OTHER ASSETS ACQUIRED THROUGH FORECLOSURE [Abstract]	'	'
Balance, beginning of period	$3,811	$1,889
Additions	403	4,534
Dispositions and receivables from participants	-393	-1,933
Losses on sales, net	-40	-101
Balance, ending of period	$3,781	$4,389

FAIR_VALUE_MEASUREMENT_Details

FAIR VALUE MEASUREMENT (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Assets [Abstract]	'	'	'	'
Investment securities available-for-sale	$20,192	$18,472	'	'
Servicing assets	262	300	344	348
Recurring [Member]	'	'	'	'
Assets [Abstract]	'	'	'	'
Investment securities available-for-sale	20,192	18,472	'	'
Interest only strips	334	334	'	'
Servicing assets	262	300	'	'
Total	20,788	19,106	'	'
Non-recurring [Member]	'	'	'	'
Assets [Abstract]	'	'	'	'
Total	91,330	91,258	'	'
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member]	'	'	'	'
Assets [Abstract]	'	'	'	'
Investment securities available-for-sale	67	69	'	'
Interest only strips	0	0	'	'
Servicing assets	0	0	'	'
Total	67	69	'	'
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	20,125	18,403	'	'
Interest only strips	0	0	'	'
Servicing assets	0	0	'	'
Total	20,125	18,403	'	'
Significant Other Observable Inputs (Level 2) [Member] | Non-recurring [Member]	'	'	'	'
Assets [Abstract]	'	'	'	'
Total	77,874	77,557	'	'
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member]	'	'	'	'
Assets [Abstract]	'	'	'	'
Investment securities available-for-sale	0	0	'	'
Interest only strips	334	334	'	'
Servicing assets	262	300	'	'
Total	596	634	'	'
Significant Unobservable Inputs (Level 3) [Member] | Non-recurring [Member]	'	'	'	'
Assets [Abstract]	'	'	'	'
Total	$13,456	$13,701	'	'

FAIR_VALUE_MEASUREMENT_Assets_

FAIR VALUE MEASUREMENT, Assets Measured on Non-recurring Basis (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]	'	'	'	'
Impaired loans	$18,395	$20,120	'	'
Foreclosed real estate and repossessed assets	3,781	3,811	4,389	1,889
Loans held-for-sale at carrying value	65,931	64,399	'	'
Recurring [Member]	'	'	'	'
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]	'	'	'	'
Total	20,788	19,106	'	'
Non-recurring [Member]	'	'	'	'
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]	'	'	'	'
Impaired loans	17,107	18,681	'	'
Loans held for sale	70,442	68,766	'	'
Foreclosed real estate and repossessed assets	3,781	3,811	'	'
Total	91,330	91,258	'	'
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member]	'	'	'	'
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]	'	'	'	'
Total	67	69	'	'
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	20,125	18,403	'	'
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	3,651	4,980	'	'
Loans held for sale	70,442	68,766	'	'
Foreclosed real estate and repossessed assets	3,781	3,811	'	'
Total	77,874	77,557	'	'
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member]	'	'	'	'
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]	'	'	'	'
Total	596	634	'	'
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	13,456	13,701	'	'
Loans held for sale	0	0	'	'
Foreclosed real estate and repossessed assets	0	0	'	'
Total	$13,456	$13,701	'	'

FAIR_VALUE_MEASUREMENT_Fair_Va

FAIR VALUE MEASUREMENT, Fair Value of Financial Instruments (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financial assets [Abstract]	'	'
Interest-bearing deposits in other financial institutions	$17,105	$18,006
Carrying Amount [Member]	'	'
Financial assets [Abstract]	'	'
Cash and cash equivalents	19,050	19,478
Interest-bearing deposits in other financial institutions	99	99
FRB and FHLB stock	3,018	3,243
Investment securities	29,602	28,160
Loans, net	473,123	462,005
Financial liabilities [Abstract]	'	'
Deposits	325,960	327,064
Time deposits	120,565	109,071
Other borrowings	30,000	31,442
Fair Value [Member]	'	'
Financial assets [Abstract]	'	'
Cash and cash equivalents	19,050	19,478
Interest-bearing deposits in other financial institutions	99	99
FRB and FHLB stock	3,018	3,243
Investment securities	30,041	28,573
Loans, net	484,969	469,466
Financial liabilities [Abstract]	'	'
Deposits	325,960	327,064
Time deposits	120,366	109,030
Other borrowings	30,407	32,017
Level 1 [Member]	'	'
Financial assets [Abstract]	'	'
Cash and cash equivalents	19,050	19,478
Interest-bearing deposits in other financial institutions	99	99
FRB and FHLB stock	0	0
Investment securities	67	69
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	3,018	3,243
Investment securities	29,974	28,504
Loans, net	471,513	455,765
Financial liabilities [Abstract]	'	'
Deposits	325,960	327,064
Time deposits	120,366	109,030
Other borrowings	30,407	32,017
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	13,456	13,701
Financial liabilities [Abstract]	'	'
Deposits	0	0
Time deposits	0	0
Other borrowings	$0	$0

OTHER_BORROWINGS_AND_CONVERTIB1

OTHER BORROWINGS AND CONVERTIBLE DEBENTURES (Details) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Federal Home Loan Bank Advances [Abstract]	'	'	'
FHLB advances	$30,000,000	'	$30,000,000
FHLB advances borrowed weighted average rate (in hundredths)	2.77%	'	2.77%
Securities pledged to FHLB with carrying value	29,500,000	'	28,000,000
Available for additional borrowing	88,700,000	'	61,400,000
Total FHLB interest expense	200,000	200,000	'
Securities Pledged as Collateral [Member]	'	'	'
Federal Home Loan Bank Advances [Abstract]	'	'	'
Securities pledged to FHLB with carrying value	29,500,000	'	28,000,000
Loan Pledge as Collateral [Member]	'	'	'
Federal Home Loan Bank Advances [Abstract]	'	'	'
Securities pledged to FHLB with carrying value	24,700,000	'	27,300,000
Federal Reserve Bank Advances [Member]	'	'	'
Federal Reserve Bank [Abstract]	'	'	'
Outstanding FRB advances	0	'	0
Borrowing capacity	$123,000,000	'	$123,900,000

OTHER_BORROWINGS_AND_CONVERTIB2

OTHER BORROWINGS AND CONVERTIBLE DEBENTURES, Long and Short Term Debt (Details) (USD $)	3 Months Ended				3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2014
			Federal Funds Purchased [Member]	Federal Funds Purchased [Member]	Convertible Subordinated Debentures [Member]
Debt Instrument [Line Items]	'	'	'	'	'
Principle amount	'	'	'	'	$8,100,000
Interest rate on convertible debenture (in hundredths)	'	'	'	'	9.00%
Principle converted to equity	1,408,000	117,000	'	'	1,400,000
Debentures converted to shares of common stock (in shares)	'	'	'	'	316,872
Debentures converted in cash	'	'	'	'	37,000
Line of Credit Borrowing Capacity [Abstract]	'	'	'	'	'
Federal funds borrowing lines at correspondent banks	'	'	30,000,000	'	'
Federal funds amount outstanding	'	'	$0	$0	'

STOCKHOLDERS_EQUITY_Details

STOCKHOLDERS' EQUITY (Details) (USD $)	3 Months Ended		0 Months Ended	3 Months Ended			3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Jun. 04, 2013	Mar. 31, 2014	Mar. 31, 2013	Apr. 25, 2014	Mar. 31, 2014	Mar. 31, 2014	Mar. 31, 2013
			Series A Preferred Stock [Member]	Series A Preferred Stock [Member]	Series A Preferred Stock [Member]	Series A Preferred Stock [Member]	Common Stock [Member]	Unrealized holding gains (losses) on AFS [Member]	Unrealized holding gains (losses) on AFS [Member]
			Director			Subsequent Event [Member]
Increase (Decrease) in Stockholders' Equity [Roll Forward]	'	'	'	'	'	'	'	'	'
Beginning Balance	($274,000)	'	'	'	'	'	'	($274,000)	$35,000
Other comprehensive income before reclassifications	'	'	'	'	'	'	'	95,000	-23,000
Amounts reclassified from accumulated other comprehensive income	'	'	'	'	'	'	'	0	0
Net other comprehensive income (loss)	95,000	-23,000	'	'	'	'	'	95,000	-23,000
Ending Balance	-179,000	'	'	'	'	'	'	-179,000	12,000
Preferred stock dividend rate for first five years (in hundredths)	'	'	'	5.00%	'	'	'	'	'
Preferred stock dividend rate after first five years (in hundredths)	'	'	'	9.00%	'	'	'	'	'
Number of members of the Board of Directors who purchased stock from private investors	'	'	4	'	'	'	'	'	'
Number of shares purchased by directors (in shares)	'	'	1,100,000	'	'	'	'	'	'
Dividends declared	-273,000	'	'	300,000	300,000	'	'	'	'
Accretion of discount	'	'	'	$300,000	$300,000	'	'	'	'
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)	'	'	'	'	'	'	316,872	'	'
Subsequent Event [Line Items]	'	'	'	'	'	'	'	'	'
Preferred stock redemption amount (in hundredths)	'	'	'	'	'	50.00%	'	'	'
Preferred stock redemption price (in dollars per share)	'	'	'	'	'	$1,000	'	'	'

EARNINGS_PER_SHARE_Details

EARNINGS PER SHARE (Details) (USD $)	3 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Reconciliation of basic and diluted earnings per share [Abstract]	'	'
Net income	$1,442	$1,089
Less: dividends and accretion on preferred stock	273	262
Net income available to common stockholders	1,169	827
Add: debenture interest expense and costs, net of income taxes	103	105
Net income for diluted calculation of earnings per common share	$1,272	$932
Weighted average number of common shares outstanding - basic (in shares)	7,971	6,011
Weighted average number of common shares outstanding - diluted (in shares)	8,534	8,301
Earnings per share [Abstract]	'	'
Basic (in dollars per share)	$0.15	$0.14
Diluted (in dollars per share)	$0.15	$0.11