Community West Bancshares (CWBC) 10-Q 6 Nov 17 2017 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2017	Oct. 31, 2017
Document and Entity Information [Abstract]
Entity Registrant Name	COMMUNITY WEST BANCSHARES /
Entity Central Index Key	1,051,343
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		8,178,539
Document Fiscal Year Focus	2,017
Document Fiscal Period Focus	Q3
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2017

CONSOLIDATED BALANCE SHEETS (un

CONSOLIDATED BALANCE SHEETS (unaudited) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Assets:
Cash and due from banks	$ 2,356	$ 2,385
Federal funds sold	13	16
Interest-earning demand in other financial institutions	49,202	31,715
Cash and cash equivalents	51,571	34,116
Investment securities - available-for-sale, at fair value; amortized cost of $29,808 at September 30, 2017 and $22,731 at December 31, 2016	29,927	22,681
Investment securities - held-to-maturity, at amortized cost; fair value of $8,384 at September 30, 2017 and $9,149 at December 31, 2016	8,190	9,002
Federal Home Loan Bank stock, at cost	2,347	2,070
Federal Reserve Bank stock, at cost	1,373	1,373
Loans:
Held for sale, at lower of cost or fair value	58,561	61,416
Held for investment, net of allowance for loan losses of $8,312 at September 30, 2017 and $7,464 at December 31, 2016	655,822	561,939
Total loans	714,383	623,355
Other assets acquired through foreclosure, net	486	137
Premises and equipment, net	5,132	3,931
Other assets	15,741	13,907
Total assets	829,150	710,572
Deposits:
Non-interest-bearing demand	116,170	100,372
Interest-bearing demand	266,835	253,023
Savings	14,619	14,007
Certificates of deposit ($250,000 or more)	81,160	77,509
Other certificates of deposit	218,370	167,325
Total deposits	697,154	612,236
Other borrowings	55,843	29,000
Other liabilities	6,387	4,000
Total liabilities	759,384	645,236
Stockholders' equity:
Common stock - no par value, 60,000,000 shares authorized; 8,169,439 shares issued and outstanding at September 30, 2017 and 8,096,039 at December 31, 2016	42,376	41,575
Retained earnings	27,320	23,790
Accumulated other comprehensive income (loss)	70	(29)
Total stockholders' equity	69,766	65,336
Total liabilities and stockholders' equity	$ 829,150	$ 710,572

CONSOLIDATED BALANCE SHEETS (u3

CONSOLIDATED BALANCE SHEETS (unaudited) (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Assets:
Investment securities available-for-sale, amortized cost	$ 29,808	$ 22,731
Investment securities held-to-maturity, fair value	8,384	9,149
Loans:
Held for investment, allowance for loan losses	$ 8,312	$ 7,464
Stockholders' equity:
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	60,000,000	60,000,000
Common stock, shares issued (in shares)	8,169,439	8,096,039
Common stock, shares outstanding (in shares)	8,169,439	8,096,039

CONSOLIDATED INCOME STATEMENTS

CONSOLIDATED INCOME STATEMENTS (unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
Interest income:
Loans, including fees	$ 9,340	$ 8,228	$ 26,570	$ 22,817
Investment securities and other	355	288	894	817
Total interest income	9,695	8,516	27,464	23,634
Interest expense:
Deposits	1,185	733	2,984	2,088
Other borrowings	134	74	294	219
Total interest expense	1,319	807	3,278	2,307
Net interest income	8,376	7,709	24,186	21,327
Provision (credit) for loan losses	159	22	423	(164)
Net interest income after provision for loan losses	8,217	7,687	23,763	21,491
Non-interest income:
Other loan fees	354	270	999	827
Document processing fees	146	130	430	381
Service charges	118	100	326	292
Other	98	59	299	215
Total non-interest income	716	559	2,054	1,715
Non-interest expenses:
Salaries and employee benefits	3,839	3,809	11,566	10,755
Occupancy, net	754	564	2,085	1,631
Stock based compensation	283	97	454	261
Professional services	281	196	759	653
Data processing	192	173	525	513
FDIC assessment	172	74	461	270
Depreciation	168	162	519	486
Advertising and marketing	137	154	488	447
Loan servicing and collection	35	108	196	198
Other	526	499	1,264	1,464
Total non-interest expenses	6,387	5,836	18,317	16,678
Income before provision for income taxes	2,546	2,410	7,500	6,528
Provision for income taxes	992	929	3,034	2,639
Net income	$ 1,554	$ 1,481	$ 4,466	$ 3,889
Earnings per share:
Basic (in dollars per share)	$ 0.19	$ 0.18	$ 0.55	$ 0.48
Diluted (in dollars per share)	$ 0.18	$ 0.18	$ 0.52	$ 0.46
Weighted average number of common shares outstanding:
Basic (in shares)	8,165	8,096	8,134	8,128
Diluted (in shares)	8,598	8,421	8,569	8,442
Dividends declared per common share (in dollars per share)	$ 0.040	$ 0.035	$ 0.115	$ 0.100

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME [Abstract]
Net income	$ 1,554	$ 1,481	$ 4,466	$ 3,889
Other comprehensive income, net:
Unrealized income (loss) on securities available-for-sale (AFS), net (tax effect of $11, $32, ($70) and ($39) for each respective period presented)	(17)	(46)	99	55
Net other comprehensive income (loss)	(17)	(46)	99	55
Comprehensive income	$ 1,537	$ 1,435	$ 4,565	$ 3,944

CONSOLIDATED STATEMENTS OF COM6

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
Other comprehensive income, net:
Unrealized income (loss) on securities available-for-sale (AFS), tax effect	$ 11	$ 32	$ (70)	$ (39)

CONSOLIDATED STATEMENTS OF STOC

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Retained Earnings [Member]	Total
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				$ 3,889
Other comprehensive income, net				55
Net income				1,481
Other comprehensive income, net				(46)
Balance at Dec. 31, 2016	$ 41,575	$ (29)	$ 23,790	$ 65,336
Balance (in shares) at Dec. 31, 2016	8,096,000			8,096,039
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0	0	4,466	$ 4,466
Exercise of stock options	$ 347	0	0	347
Exercise of stock options (in shares)	73,000
Stock based compensation	$ 454	0	0	454
Stock based compensation (in shares)	0
Dividends on common stock	$ 0	0	(936)	(936)
Other comprehensive income, net	0	99	0	99
Balance at Sep. 30, 2017	$ 42,376	70	27,320	$ 69,766
Balance (in shares) at Sep. 30, 2017	8,169,000			8,169,439
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				$ 1,554
Other comprehensive income, net				(17)
Balance at Sep. 30, 2017	$ 42,376	$ 70	$ 27,320	$ 69,766
Balance (in shares) at Sep. 30, 2017	8,169,000			8,169,439

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016
Cash flows from operating activities:
Net income	$ 4,466	$ 3,889
Adjustments to reconcile net income to cash provided by operating activities:
Provision (credit) for loan losses	423	(164)
Depreciation	519	486
Stock based compensation	454	261
Deferred income taxes	(714)	(304)
Net accretion of discounts and premiums for investment securities	65	(82)
(Gains)/Losses on:
Sale of repossessed assets, net	(150)	14
Loans originated for sale and principal collections, net	2,855	2,107
Changes in:
Other assets	(1,222)	(1,633)
Other liabilities	2,337	(208)
Servicing assets, net	54	50
Net cash provided by operating activities	9,087	4,416
Cash flows from investing activities:
Principal pay downs and maturities of available-for-sale securities	2,315	9,483
Purchase of available-for-sale securities	(9,413)	(7,840)
Purchases of securities held-to-maturity	0	(2,697)
Proceeds from principal pay downs and maturities of securities held-to-maturity	796	498
Loan originations and principal collections, net	(94,808)	(60,322)
Purchase of restricted stock, net	(277)	(184)
Net decrease in interest-bearing deposits in other financial institutions	0	(1)
Purchase of premises and equipment, net	(1,720)	(881)
Proceeds from sale of other real estate owned and repossessed assets, net	303	342
Net cash used in investing activities	(102,804)	(61,602)
Cash flows from financing activities:
Net increase in deposits	84,918	46,263
Net increase (decrease) in borrowings	26,843	(5,000)
Exercise of stock options	347	213
Cash dividends paid on common stock	(936)	(813)
Common stock repurchase	0	(1,337)
Net cash provided by financing activities	111,172	39,326
Net increase (decrease) cash and cash equivalents	17,455	(17,860)
Cash and cash equivalents at beginning of year	34,116	35,519
Cash and cash equivalents at end of period	51,571	17,659
Cash paid during the period for:
Interest	3,118	2,226
Income taxes	2,380	4,200
Non-cash investing and financing activity:
Transfers to other assets acquired through foreclosure, net	$ 502	$ 213

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Sep. 30, 2017
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”). Unless indicated otherwise or unless the context suggest otherwise, these entities are referred to herein collectively and on a consolidated basis 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 loan losses and the fair value of securities available for sale. Although Management believes these estimates to be reasonably accurate, actual amounts may differ. In the opinion of Management, all necessary adjustments have been reflected in the financial statements during their preparation. Interim Financial Information The accompanying unaudited consolidated financial statements as of and for the three and nine months ended September 30, 2017 and 2016 have been prepared in a condensed format, and therefore do not include all of the information and footnotes required by GAAP 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, 2016. 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, 2016 and for the three and nine months ended September 30, 2016 have been reclassified to conform to the current presentation. The reclassifications have no effect on net income, comprehensive 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 fair value provision. Loans held for sale are mostly comprised of SBA and commercial agriculture. The Company did not incur any lower of cost or fair value provision in the three and nine months ended September 30, 2017 and 2016. 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 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: Troubled debt restructured loan (“TDR”): Allowance for Loan Losses and Provision for Loan Losses The Company maintains a detailed, systematic analysis and procedural discipline to determine the amount of the allowance for loan losses (“ALL”). The ALL is based on estimates and is intended to be appropriate to provide for probable losses inherent in the loan portfolio. This process involves deriving probable loss estimates that are based on migration analysis and historical loss rates, in addition to qualitative factors that are based on management’s judgment. The migration analysis and historical loss rate calculations are based on the annualized loss rates utilizing a twelve-quarter loss history. Migration analysis is utilized for the Commercial Real Estate (“CRE”), Commercial, Commercial Agriculture, Small Business 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 – Good – Pass - Watch – Special Mention - Substandard - Doubtful - Loss - 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. 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 the 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 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 changes in any of the following factors: · Concentrations of credit · International risk · Trends in volume, maturity, and composition of loans · Volume and trend in delinquency, nonaccrual, and classified assets · Economic conditions · Geographic distance · Policy and procedures or underwriting standards · Staff experience and ability · Value of underlying collateral · Competition, legal, or regulatory environment · Results of outside exams and quality of loan review and Board oversight Off Balance Sheet and Credit Exposure In the ordinary course of business, the Company has entered into off-balance sheet financial instruments consisting of commitments to extend credit and standby letters of credit. Such financial instruments are recorded in the consolidated financial statements when they are funded. They involve, to varying degrees, elements of credit risk in excess of amounts recognized in the consolidated balance sheets. Losses would be experienced when the Company is contractually obligated to make a payment under these instruments and must seek repayment from the borrower, which may not be as financially sound in the current period as they were when the commitment was originally made. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. The Company enters into credit arrangements that generally provide for the termination of advances in the event of a covenant violation or other event of default. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the party. The commitments are collateralized by the same types of assets used as loan collateral. As with outstanding loans, the Company applies qualitative factors 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 included 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, the Company 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 the 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 assets 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 assets may not be realized. The Company is subject to the provisions of ASC 740, Income Taxes 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. 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 May 2014, the FASB issued guidance codified within ASU 2014-09, “Revenue Recognition - Revenue from Contracts with Customers,” which amends the guidance in former Topic 605, Revenue Recognition. The new revenue recognition standard will In January 2016, the FASB issued guidance codified within ASU 2016-01, “Financial Instruments – Overall, Subtopic 825-10: Recognition and Measurement of Financial Assets and Financial Liabilities,” which amends certain guidance on classification and measurement of financial instruments. The update is intended to enhance the reporting model for financial instruments to provide users of financial instruments with more decision-useful information and addresses certain aspects of the recognition, measurement, presentation, and disclosure of financial instruments. ASU 2016-01 is effective for the Company for annual reporting periods beginning after December 15, 2017. The Company has evaluated the impact of the provisions in this standard on the Company’s Consolidated Financial Statements. The adoption of this standard is not anticipated to have a material impact on the Company’s Consolidated Financial Statements. In February 2016, the FASB amended its standards with respect to the accounting for leases. The amended guidance serves to replace all current U.S. GAAP guidance on this topic and requires that an operating lease be recognized on the statement of financial condition as a “right-to-use” asset along with a corresponding liability representing the rent obligation. Key aspects of current lessor accounting remain unchanged from existing guidance. This standard is expected to result in an increase to assets and liabilities recognized and, therefore, increase risk-weighted assets for regulatory capital purposes. The guidance requires the use of the modified retrospective transition approach for existing leases that have not expired before the date of initial application and will become effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. The standard is effective for the Company as of January 1, 2019. The Company is currently evaluating the impact of the amended guidance on the Company’s Consolidated Financial Statements and has not yet determined the effect of the standard on our ongoing financial reporting. In March 2016, the FASB issued update guidance codified within ASU-2016-09, “Compensation – Stock Compensation (Topic 718), Improvements to Employee Share-Based Payment Accounting,” which amends the guidance on certain aspects of share-based payments to employees. The new guidance will require entities to recognize all income tax effects of awards in the income statement when the awards vest or are settled. The guidance requires the use of the modified retrospective transition method by means of a cumulative-effect adjustment to equity as of the beginning of the period in which the guidance is adopted. The standard was effective for the Company as of January 1, 2017. The adoption of this standard did not have a material impact on the Company’s Consolidated Financial Statements. In June of 2016, the FASB issued update guidance codified within ASU-2016-13, “Financial Instruments – Credit Losses (Topic 326), Measurement of Credit Losses on Financial Instruments,” which amends the guidance for recognizing credit losses from an “incurred loss” methodology that delays recognition of credit losses until it is probable a loss has been incurred to an expected credit loss methodology. The guidance requires the use of the modified retrospective transition method by means of a cumulative-effect adjustment to equity as of the beginning of the period in which the guidance is adopted. The standard is effective for the Company as of January 1, 2020. The Company is currently evaluating the impact of the amended guidance and has not yet determined the effect of the standard on its ongoing financial reporting. In March 2017, the FASB issued updated guidance codified within ASU-2017-08, “Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20),” which is intended to enhance the accounting for the amortization of premiums for purchased callable debt securities. The standard is effective for the Company as of January 1, 2019. The Company does not believe the standard will have a material impact on the Company’s financials.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	9 Months Ended
	Sep. 30, 2017
INVESTMENT SECURITIES [Abstract]
INVESTMENT SECURITIES	2. INVESTMENT SECURITIES The amortized cost and estimated fair value of investment securities are as follows: September 30, 2017 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value Securities available-for-sale (in thousands) U.S. government agency notes $ 14,525 $ 54 $ (42 ) $ 14,537 U.S. government agency collateralized mortgage obligations ("CMO") 15,217 78 (51 ) 15,244 Equity securities: Farmer Mac class A stock 66 80 — 146 Total $ 29,808 $ 212 $ (93 ) $ 29,927 Securities held-to-maturity U.S. government agency mortgage backed securities ("MBS") $ 8,190 $ 280 $ (86 ) $ 8,384 Total $ 8,190 $ 280 $ (86 ) $ 8,384 December 31, 2016 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value Securities available-for-sale (in thousands) U.S. government agency notes $ 5,634 $ — $ (62 ) $ 5,572 U.S. government agency collateralized mortgage obligations ("CMO") 17,031 48 (85 ) 16,994 Equity securities: Farmer Mac class A stock 66 49 — 115 Total $ 22,731 $ 97 $ (147 ) $ 22,681 Securities held-to-maturity U.S. government agency mortgage backed securities ("MBS") $ 9,002 $ 298 $ (151 ) $ 9,149 Total $ 9,002 $ 298 $ (151 ) $ 9,149 At September 30, 2017 and December 31, 2016, $38.0 million and $31.7 million of securities at carrying value, respectively, were pledged to the Federal Home Loan Bank (“FHLB”), as collateral for current and future advances. The maturity periods and weighted average yields of investment securities at the period ends indicated were as follows: September 30, 2017 Less than One Year One to Five Years Five to Ten Years Over Ten Years Total Amount Yield Amount Yield Amount Yield Amount Yield Amount Yield Securities available-for-sale (dollars in thousands) U.S. government agency notes $ 1,995 2.6 % $ 1,864 1.6 % $ 10,678 2.0 % $ — — $ 14,537 2.0 % U.S. government agency CMO — — 3,571 1.8 % 8,694 1.7 % 2,979 2.1 % 15,244 1.8 % Farmer Mac class A stock — — — — — — — — 146 — Total $ 1,995 2.6 % $ 5,435 1.7 % $ 19,372 1.9 % $ 2,979 2.1 % $ 29,927 1.9 % Securities held-to-maturity U.S. government agency MBS $ — — $ 2,086 3.7 % $ 6,104 3.1 % $ — — $ 8,190 3.2 % Total $ — — $ 2,086 3.7 % $ 6,104 3.1 % $ — — $ 8,190 3.2 % December 31, 2016 Less than One Year One to Five Years Five to Ten Years Over Ten Years Total Amount Yield Amount Yield Amount Yield Amount Yield Amount Yield Securities available-for-sale (dollars in thousands) U.S. government agency notes $ 1,973 2.6 % $ 1,963 0.8 % $ 1,636 1.3 % $ — — $ 5,572 1.6 % U.S. government agency CMO — — 2,063 1.9 % 11,827 1.1 % 3,104 1.5 % 16,994 1.2 % Farmer Mac class A stock — — — — — — — — 115 — Total $ 1,973 2.6 % $ 4,026 1.4 % $ 13,463 1.1 % $ 3,104 1.5 % $ 22,681 1.3 % Securities held-to-maturity U.S. government agency MBS $ — — $ 797 5.0 % $ 5,531 3.2 % $ 2,674 2.5 % $ 9,002 3.2 % Total $ — — $ 797 5.0 % $ 5,531 3.2 % $ 2,674 2.5 % $ 9,002 3.2 % The amortized cost and fair value of investment securities by contractual maturities as of the periods presented were as shown below: September 30, 2017 December 31, 2016 Amortized Cost Estimated Fair Value Amortized Cost Estimated Fair Value Securities available-for-sale Due in one year or less $ 1,996 $ 1,995 $ 1,995 $ 1,973 After one year through five years 5,447 5,435 4,027 4,026 After five years through ten years 19,304 19,372 13,508 13,463 After ten years 2,995 2,979 3,135 3,104 Farmer Mac class A stock 66 146 66 115 $ 29,808 $ 29,927 $ 22,731 $ 22,681 Securities held-to-maturity Due in one year or less $ - $ - $ - $ - After one year through five years 2,086 2,221 797 864 After five years through ten years 6,104 6,163 5,531 5,762 After ten years - - 2,674 2,523 $ 8,190 $ 8,384 $ 9,002 $ 9,149 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: September 30, 2017 Less Than Twelve Months More Than Twelve Months Total Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Securities available-for-sale (in thousands) U.S. government agency notes $ 35 $ 8,452 $ 7 $ 1,384 $ 42 $ 9,836 U.S. government agency CMO — — 51 3,562 51 3,562 Equity securities: Farmer Mac class A stock — — — — — — $ 35 $ 8,452 $ 58 $ 4,946 $ 93 $ 13,398 Securities held-to-maturity U.S. Government-agency MBS $ — $ — $ 86 $ 2,538 $ 86 $ 2,538 Total $ — $ — $ 86 $ 2,538 $ 86 $ 2,538 December 31, 2016 Less Than Twelve Months More Than Twelve Months Total Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Securities available-for-sale (in thousands) U.S. government agency notes $ 29 $ 3,936 $ 33 $ 1,636 $ 62 $ 5,572 U.S. government agency CMO 35 7,930 50 1,601 85 9,531 Equity securities: Farmer Mac class A stock — — — — — — $ 64 $ 11,866 $ 83 $ 3,237 $ 147 $ 15,103 Securities held-to-maturity U.S. Government-agency MBS $ 151 $ 3,312 $ — $ — $ 151 $ 3,312 Total $ 151 $ 3,312 $ — $ — $ 151 $ 3,312 As of September 30, 2017 and December 31, 2016, there were 12 and 17 securities, respectively, in an unrealized loss position. Declines in the fair value of held-to-maturity and available-for-sale securities below their cost that are deemed to be other-than-temporary are reflected in earnings as realized losses. In estimating other-than-temporary impairment losses, management considers, among other things (i) the length of time and the extent to which the fair value has been less than cost (ii) the financial condition and near-term prospects of the issuer and (iii) the Company’s intent to sell an impaired security and if it is not more likely than not it will be required to sell the security before the recovery of its amortized basis. The unrealized losses are primarily due to increases in market interest rates over the yields available at the time the underlying securities were purchased. The fair value is expected to recover as the bonds approach their maturity date, repricing date or if market yields for such investments decline. Management does not believe any of the securities are impaired due to reasons of credit quality. Accordingly, as of September 30, 2017 and December 31, 2016, 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.

LOANS HELD FOR SALE

LOANS HELD FOR SALE	9 Months Ended
	Sep. 30, 2017
LOAN HELD FOR SALE [Abstract]
LOANS HELD FOR SALE	3. LOANS HELD FOR SALE SBA and Agriculture Loans As of September 30, 2017 and December 31, 2016, the Company had approximately $22.4 million and $26.5 million, respectively, of SBA loans included in loans held for sale. As of September 30, 2017 and December 31, 2016, the principal balance of SBA loans serviced for others was $11.2 million and $14.2 million, respectively. The Company’s agricultural lending program includes loans for 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 September 30, 2017 and December 31, 2016, the Company had $36.2 million and $34.9 million of USDA loans included in loans held for sale, respectively. As of September 30, 2017 and December 31, 2016, the principal balance of USDA loans serviced for others was $1.2 million.

LOANS HELD FOR INVESTMENT

LOANS HELD FOR INVESTMENT	9 Months Ended
	Sep. 30, 2017
LOANS HELD FOR INVESTMENT [Abstract]
LOANS HELD FOR INVESTMENT	4. LOANS HELD FOR INVESTMENT The composition of the Company’s loans held for investment loan portfolio follows: September 30, December 31, 2017 2016 (in thousands) Manufactured housing $ 216,572 $ 194,222 Commercial real estate 343,771 272,142 Commercial 76,250 70,369 SBA 8,656 10,164 HELOC 9,656 10,292 Single family real estate 10,022 12,750 Consumer 34 87 664,961 570,026 Allowance for loan losses (8,312 ) (7,464 ) Deferred fees, net (702 ) (453 ) Discount on SBA loans (125 ) (170 ) Total loans held for investment, net $ 655,822 $ 561,939 The following table presents the contractual aging of the recorded investment in past due held for investment loans by class of loans: September 30, 2017 Current 30-59 Days* Past Due 60-89 Days* Past Due Over 90 Days* Past Due Total Past Due Nonaccrual Total Recorded Investment Over 90 Days and Accruing (in thousands) Manufactured housing $ 215,854 $ 230 $ — $ — $ 230 $ 488 $ 216,572 $ — Commercial real estate: Commercial real estate 268,400 — — — — 127 268,527 — SBA 504 1st trust deed 27,291 — — — — 194 27,485 — Land 5,010 — — — — — 5,010 — Construction 42,749 — — — — — 42,749 — Commercial 74,398 72 — — 72 1,780 76,250 — SBA 7,973 — — — — 683 8,656 — HELOC 9,437 — — — — 219 9,656 — Single family real estate 9,842 — — — — 180 10,022 — Consumer 34 — — — — — 34 — Total $ 660,988 $ 302 $ — $ — $ 302 $ 3,671 $ 664,961 $ — * Table reports past dues based on Call Report definitions of number of payments past due. December 31, 2016 Current 30-59 Days* Past Due 60-89 Days* Past Due Over 90 Days* Past Due Total Past Due Nonaccrual Total Recorded Investment Over 90 Days and Accruing (in thousands) Manufactured housing $ 193,258 $ 164 $ — $ — $ 164 $ 800 $ 194,222 $ — Commercial real estate: Commercial real estate 214,248 — — — — 141 214,389 — SBA 504 1st trust deed 23,167 — — — — 712 23,879 — Land 3,167 — — — — — 3,167 — Construction 30,707 — — — — — 30,707 — Commercial 70,337 1 — — 1 31 70,369 — SBA 9,275 — 21 — 21 868 10,164 — HELOC 9,919 — — — — 373 10,292 — Single family real estate 12,558 — — — — 192 12,750 — Consumer 87 — — — — — 87 — Total $ 566,723 $ 165 $ 21 $ — $ 186 $ 3,117 $ 570,026 $ — * Table reports past dues based on Call Report definitions of number of payments past due. Allowance for Loan Losses The following table summarizes the changes in the allowance for loan losses: Three Months Ended September 30, Nine Months Ended September 30, 2017 2016 2017 2016 (in thousands) Beginning balance $ 7,994 $ 7,028 $ 7,464 $ 6,916 Charge-offs (33 ) (100 ) (203 ) (162 ) Recoveries 192 240 628 600 Net recoveries 159 140 425 438 Provision (credit) 159 22 423 (164 ) Ending balance $ 8,312 $ 7,190 $ 8,312 $ 7,190 As of September 30, 2017 and December 31, 2016, the Company had reserves for credit losses on undisbursed loans of $96,000 and $125,000, respectively, which were included in other liabilities. The following tables summarize the changes in the allowance for loan losses by portfolio type: For the Three Months Ended September 30, Manufactured Housing Commercial Real Estate Commercial SBA HELOC Single Family Real Estate Consumer Total 2017 (in thousands) Beginning balance $ 2,124 $ 4,332 $ 1,262 $ 91 $ 98 $ 87 $ — $ 7,994 Charge-offs — — — — — (33 ) — (33 ) Recoveries 38 — 43 104 7 — — 192 Net (charge-offs) recoveries 38 — 43 104 7 (33 ) — 159 Provision (credit) (15 ) 359 (100 ) (108 ) (11 ) 34 — 159 Ending balance $ 2,147 $ 4,691 $ 1,205 $ 87 $ 94 $ 88 $ — $ 8,312 2016 Beginning balance $ 2,188 $ 3,078 $ 1,251 $ 322 $ 62 $ 126 $ 1 $ 7,028 Charge-offs — — — (100 ) — — — (100 ) Recoveries 121 — 40 12 66 1 — 240 Net (charge-offs) recoveries 121 — 40 (88 ) 66 1 — 140 Provision (credit) (102 ) 194 66 (142 ) (25 ) 31 — 22 Ending balance $ 2,207 $ 3,272 $ 1,357 $ 92 $ 103 $ 158 $ 1 $ 7,190 For the Nine Months Ended September 30, Manufactured Housing Commercial Real Estate Commercial SBA HELOC Single Family Real Estate Consumer Total 2017 (in thousands) Beginning balance $ 2,201 $ 3,707 $ 1,241 $ 106 $ 100 $ 109 $ — $ 7,464 Charge-offs (119 ) — — (30 ) — (54 ) — (203 ) Recoveries 105 227 116 168 11 1 — 628 Net (charge-offs) recoveries (14 ) 227 116 138 11 (53 ) — 425 Provision (credit) (40 ) 757 (152 ) (157 ) (17 ) 32 — 423 Ending balance $ 2,147 $ 4,691 $ 1,205 $ 87 $ 94 $ 88 $ — $ 8,312 2016 Beginning balance $ 3,525 $ 1,853 $ 939 $ 451 $ 43 $ 103 $ 2 $ 6,916 Charge-offs (41 ) — — (121 ) — — — (162 ) Recoveries 126 13 120 196 74 71 — 600 Net (charge-offs) recoveries 85 13 120 75 74 71 — 438 Provision (credit) (1,403 ) 1,406 298 (434 ) (14 ) (16 ) (1 ) (164 ) Ending balance $ 2,207 $ 3,272 $ 1,357 $ 92 $ 103 $ 158 $ 1 $ 7,190 The following tables present impairment method information related to loans and allowance for loan losses by loan portfolio segment: Manufactured Housing Commercial Real Estate Commercial SBA HELOC Single Family Real Estate Consumer Total Loans Loans Held for Investment as of September 30, 2017: (in thousands) Recorded Investment: Impaired loans with an allowance recorded $ 6,195 $ 574 $ 3,357 $ — $ — $ 2,009 $ — $ 12,135 Impaired loans with no allowance recorded 2,263 — 2,027 728 219 180 — 5,417 Total loans individually evaluated for impairment 8,458 574 5,384 728 219 2,189 — 17,552 Loans collectively evaluated for impairment 208,114 343,197 70,866 7,928 9,437 7,833 34 647,409 Total loans held for investment $ 216,572 $ 343,771 $ 76,250 $ 8,656 $ 9,656 $ 10,022 $ 34 $ 664,961 Unpaid Principal Balance Impaired loans with an allowance recorded $ 6,201 $ 672 $ 3,357 $ — $ — $ 2,009 $ — $ 12,239 Impaired loans with no allowance recorded 3,666 — 2,035 1,046 249 221 — 7,217 Total loans individually evaluated for impairment 9,867 672 5,392 1,046 249 2,230 — 19,456 Loans collectively evaluated for impairment 208,114 343,197 70,866 7,928 9,437 7,833 34 647,409 Total loans held for investment $ 217,981 $ 343,869 $ 76,258 $ 8,974 $ 9,686 $ 10,063 $ 34 $ 666,865 Related Allowance for Credit Losses Impaired loans with an allowance recorded $ 457 $ 12 $ 140 $ — $ — $ 27 $ — $ 636 Impaired loans with no allowance recorded — — — — — — — — Total loans individually evaluated for impairment 457 12 140 — — 27 — 636 Loans collectively evaluated for impairment 1,690 4,679 1,065 87 94 61 — 7,676 Total loans held for investment $ 2,147 $ 4,691 $ 1,205 $ 87 $ 94 $ 88 $ — $ 8,312 Manufactured Housing Commercial Real Estate Commercial SBA HELOC Single Family Real Estate Consumer Total Loans Loans Held for Investment as of December 31, 2016: (in thousands) Recorded Investment: Impaired loans with an allowance recorded $ 6,065 $ 1,112 $ 3,749 $ 70 $ 45 $ 2,039 $ — $ 13,080 Impaired loans with no allowance recorded 2,846 — 31 1,067 328 191 — 4,463 Total loans individually evaluated for impairment 8,911 1,112 3,780 1,137 373 2,230 — 17,543 Loans collectively evaluated for impairment 185,311 271,030 66,589 9,027 9,919 10,520 87 552,483 Total loans held for investment $ 194,222 $ 272,142 $ 70,369 $ 10,164 $ 10,292 $ 12,750 $ 87 $ 570,026 Unpaid Principal Balance Impaired loans with an allowance recorded $ 6,133 $ 1,253 $ 3,749 $ 70 $ 57 $ 2,039 $ — $ 13,301 Impaired loans with no allowance recorded 4,369 — 31 1,538 348 226 — 6,512 Total loans individually evaluated for impairment 10,502 1,253 3,780 1,608 405 2,265 — 19,813 Loans collectively evaluated for impairment 185,311 271,030 66,589 9,027 9,919 10,520 87 552,483 Total loans held for investment $ 195,813 $ 272,283 $ 70,369 $ 10,635 $ 10,324 $ 12,785 $ 87 $ 572,296 Related Allowance for Credit Losses Impaired loans with an allowance recorded $ 548 $ 17 $ 165 $ — $ 1 $ 28 $ — $ 759 Impaired loans with no allowance recorded — — — — — — — — Total loans individually evaluated for impairment 548 17 165 — 1 28 — 759 Loans collectively evaluated for impairment 1,653 3,690 1,076 106 99 81 — 6,705 Total loans held for investment $ 2,201 $ 3,707 $ 1,241 $ 106 $ 100 $ 109 $ — $ 7,464 Included in impaired loans are $2.1 million and $1.0 million of loans guaranteed by government agencies at September 30, 2017 and December 31, 2016, respectively. 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 below 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 September 30, 2017 and December 31, 2016. The table below reflects recorded investment in loans classified as impaired: September 30, December 31, 2017 2016 (in thousands) Impaired loans with a specific valuation allowance under ASC 310 $ 12,135 $ 13,080 Impaired loans without a specific valuation allowance under ASC 310 5,417 4,463 Total impaired loans $ 17,552 $ 17,543 Valuation allowance related to impaired loans $ 636 $ 759 September 30, December 31, 2017 2016 (in thousands) Manufactured housing $ 8,458 $ 8,911 Commercial real estate : Commercial real estate 127 142 SBA 504 1st trust deed 447 970 Land — — Construction — — Commercial 5,384 3,780 SBA 728 1,137 HELOC 219 373 Single family real estate 2,189 2,230 Total $ 17,552 $ 17,543 Three Months Ended September 30, 2017 2016 Average Investment in Impaired Loans Interest Income Average Investment in Impaired Loans Interest Income (in thousands) Manufactured housing $ 7,483 $ 174 $ 8,306 $ 174 Commercial real estate: Commercial real estate 120 1 510 — SBA 504 1st trust deed 402 5 1,148 5 Land — — — — Construction — — — — Commercial 4,789 54 3,346 49 SBA 662 1 1,266 41 HELOC 214 — 510 — Single family real estate 1,951 25 2,134 26 Consumer — — — — Total $ 15,621 $ 260 $ 17,220 $ 295 Nine Months Ended September 30, 2017 2016 Average Investment in Impaired Loans Interest Income Average Investment in Impaired Loans Interest Income (in thousands) Manufactured housing $ 7,634 $ 488 $ 8,482 $ 499 Commercial real estate: Commercial real estate 123 1 682 3 SBA 504 1st 523 15 1,625 33 Land — — — — Construction — — — — Commercial 4,486 155 3,190 148 SBA 767 3 891 97 HELOC 273 — 410 7 Single family real estate 1,973 75 2,173 83 Consumer — — — — Total $ 15,779 $ 737 $ 17,453 $ 870 The Company is not committed to lend additional funds on these impaired loans. The following table reflects the recorded investment in certain types of loans at the periods indicated: September 30, December 31, 2017 2016 (in thousands) Nonaccrual loans $ 3,671 $ 3,117 Government guaranteed portion of loans included above $ 1,834 $ 742 Troubled debt restructured loans, gross $ 13,784 $ 14,437 Loans 30 through 89 days past due with interest accruing $ 302 $ — Loans 90 days or more past due with interest accruing $ — $ — Allowance for loan losses to gross loans held for investment 1.25 % 1.31 % The accrual of interest is discontinued when substantial doubt exists as to collectability of the loan; generally at the time the loan is 90 days delinquent. Any unpaid but accrued interest is reversed at that time. Thereafter, interest income is no longer recognized on the loan. Interest income may be recognized on impaired loans to the extent they are not past due by 90 days. Interest on nonaccrual loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all of the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Foregone interest on nonaccrual and TDR loans for the three months ended September 30, 2017 and 2016 was $0.1 million. Foregone interest on nonaccrual and TDR loans for the nine months ended September 30, 2017 and 2016 was $0.3 million. The following table presents the composition of nonaccrual loans by class of loans: September 30, December 31, 2017 2016 (in thousands) Manufactured housing $ 488 $ 800 Commercial real estate: Commercial real estate 127 141 SBA 504 1st trust deed 194 712 Land — — Construction — — Commercial 1,780 31 SBA 683 868 HELOC 219 373 Single family real estate 180 192 Consumer — — Total $ 3,671 $ 3,117 Included in nonaccrual loans are $1.8 million of loans guaranteed by government agencies at September 30, 2017 and $0.7 million at December 31, 2016. The guaranteed portion of each SBA loan is repurchased from investors when those loans become past due 120 days by either CWB or the SBA directly. After the foreclosure and collection process is complete, the principal balance of loans repurchased by CWB are reimbursed by the SBA. Although these balances do not earn interest during this period, they generally do not result in a loss of principal to CWB; therefore a repurchase reserve has not been established related to these loans. The 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”. For a detailed discussion on these risk classifications see “Note 1 Summary of Significant Accounting Policies - Allowance for Loan Losses and Provision for Loan Losses” of this Form 10-Q. 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: September 30, 2017 Pass Special Mention Substandard Doubtful Total (in thousands) Manufactured housing $ 214,559 $ — $ 2,013 $ — $ 216,572 Commercial real estate: Commercial real estate 268,399 — 127 — 268,526 SBA 504 1st trust deed 26,798 — 687 — 27,485 Land 5,010 — — — 5,010 Construction 39,535 3,215 — — 42,750 Commercial 70,181 889 3,619 — 74,689 SBA 6,759 104 413 — 7,276 HELOC 9,437 — 219 — 9,656 Single family real estate 9,837 — 185 — 10,022 Consumer 34 — — — 34 Total, net 650,549 4,208 7,263 — 662,020 Government guarantee — — 2,941 — 2,941 Total $ 650,549 $ 4,208 $ 10,204 $ — $ 664,961 December 31, 2016 Pass Special Mention Substandard Doubtful Total (in thousands) Manufactured housing $ 191,784 $ — $ 2,438 $ — $ 194,222 Commercial real estate: Commercial real estate 212,259 1,988 142 — 214,389 SBA 504 1st trust deed 22,664 — 1,215 — 23,879 Land 3,167 — — — 3,167 Construction 30,707 — — — 30,707 Commercial 63,002 7,268 99 — 70,369 SBA 8,297 108 389 8,794 HELOC 9,671 — 621 — 10,292 Single family real estate 12,553 — 197 — 12,750 Consumer 87 — — — 87 Total, net 554,191 9,364 5,101 $ — 568,656 Government guarantee — — 1,370 — 1,370 Total $ 554,191 $ 9,364 $ 6,471 $ — $ 570,026 Troubled Debt Restructured Loan (TDR) 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. Generally, a loan that is modified at an effective market rate of interest may no longer be disclosed as a troubled debt restructuring in years subsequent to the restructuring if it is not impaired based on the terms specified by the restructuring agreement. The following tables summarize the financial effects of TDR loans by loan class for the periods presented: For the Three Months Ended September 30, 2017 Number of Loans Pre- Modification Recorded Investment Post Modification Recorded Investment Balance of Loans with Rate Reduction Balance of Loans with Term Extension Effect on Allowance for Loan Losses (dollars in thousands) Manufactured housing 2 $ 363 $ 363 $ 363 $ 363 $ 24 Commercial 1 14 14 — 14 — Total 3 $ 377 $ 377 $ 363 $ 377 24 For the Nine Months Ended September 30, 2017 Number of Loans Pre- Modification Recorded Investment Post Modification Recorded Investment Balance of Loans with Rate Reduction Balance of Loans with Term Extension Effect on Allowance for Loan Losses (dollars in thousands) Manufactured housing 9 $ 807 $ 807 $ 807 $ 807 $ 45 Commercial 2 102 102 — 102 2 SBA 1 17 17 — 17 1 Total 12 $ 926 $ 926 $ 807 $ 926 $ 48 For the Three Months Ended September 30, 2016 Number of Loans Pre- Modification Recorded Investment Post Modification Recorded Investment Balance of Loans with Rate Reduction Balance of Loans with Term Extension Effect on Allowance for Loan Losses (dollars in thousands) Manufactured Housing 10 $ 735 $ 735 $ 735 $ 735 $ 40 Total 10 $ 735 $ 735 $ 735 $ 735 $ 40 For the Nine Months Ended September 30, 2016 Number of Loans Pre- Modification Recorded Investment Post Modification Recorded Investment Balance of Loans with Rate Reduction Balance of Loans with Term Extension Effect on Allowance for Loan Losses (dollars in thousands) Manufactured housing 20 $ 1,619 $ 1,619 $ 1,619 $ 1,619 $ 98 SBA 1 92 92 - 92 - HELOC 1 257 257 - 257 - Single family real estate 1 105 105 105 105 7 Commercial 3 718 718 - 718 7 Total 26 $ 2,791 $ 2,791 $ 1,724 $ 2,791 $ 112 The average rate concessions were 100 basis points and 97 basis points, respectively, for the three and nine months ended September 30, 2017 and 100 basis points and 81 basis points for the three and nine months ended September 30, 2016. The average term extension in months was 126 and 138 for the third quarter and year-to-date 2017, and 179 and 152 for the third quarter and year-to-date 2016, respectively. A TDR loan is deemed to have a payment default when the borrower fails to make 2 consecutive payments or the collateral is transferred to repossessed assets. The Company had no TDR’s with payment defaults for the three or nine months ended September 30, 2017 or 2016. At September 30, 2017 there were no material loan commitments outstanding on TDR loans.

OTHER ASSETS ACQUIRED THROUGH F

OTHER ASSETS ACQUIRED THROUGH FORECLOSURE	9 Months Ended
	Sep. 30, 2017
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 September 30, Nine Months Ended September 30, 2017 2016 2017 2016 (in thousands) Balance, beginning of period $ 362 $ 129 $ 137 $ 198 Additions 132 48 502 213 Proceeds from dispositions (60 ) (115 ) (303 ) (342 ) Gains (loss) on sales, net 52 (7 ) 150 (14 ) Balance, end of period $ 486 $ 55 $ 486 $ 55

FAIR VALUE MEASUREMENT

FAIR VALUE MEASUREMENT	9 Months Ended
	Sep. 30, 2017
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 · 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 Management uses its best judgment in estimating the fair value of the Company’s financial instruments; however, there are inherent limitations in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates presented herein are not necessarily indicative of the amounts the Company could have realized in a sales transaction at September 30, 2017 and December 31, 2016. The estimated fair value amounts for September 30, 2017 and December 31, 2016 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: September 30, 2017 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Fair Value Assets: (in thousands) Investment securities available-for-sale $ 146 $ 29,781 $ — $ 29,927 Interest only strips — — 96 96 Servicing assets — — 118 118 $ 146 $ 29,781 $ 214 $ 30,141 Fair Value Measurements at the End of the Reporting Period Using: December 31, 2016 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Fair Value Assets: (in thousands) Investment securities available-for-sale $ 115 $ 22,566 $ — $ 22,681 Interest only strips — — 119 119 Servicing assets — — 158 158 $ 115 $ 22,566 $ 277 $ 22,958 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, the Company retained interest only strip assets (‘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. 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 certain 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: Total Quoted Prices in Active Markets for Identical Assets (Level 1) Active Markets for Similar Assets (Level 2) Unobservable Inputs (Level 3) (in thousands) September 30, 2017: Impaired loans $ 3,381 $ — $ 3,381 $ — Foreclosed real estate and repossessed assets 486 — 486 — $ 3,867 $ — $ 3,867 $ — Fair Value Measurements at the End of the Reporting Period Using: Total Quoted Prices in Active Markets for Identical Assets (Level 1) Active Markets for Similar Assets (Level 2) Unobservable Inputs (Level 3) (in thousands) December 31, 2016: Impaired loans $ 2,008 $ — $ 2,008 $ — Foreclosed real estate and repossessed assets 137 — 137 — $ 2,145 $ — $ 2,145 $ — 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. 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 are as follows: September 30, 2017 Carrying Fair Value Amount Level 1 Level 2 Level 3 Total Financial assets: (in thousands) Cash and cash equivalents $ 51,571 $ 51,571 $ — $ — $ 51,571 FRB and FHLB stock 3,720 — 3,720 — 3,720 Investment securities 38,117 146 38,165 — 38,311 Loans, net 714,383 — 700,025 10,246 710,271 Financial liabilities: Deposits 697,154 — 670,435 — 670,435 Other borrowings 55,843 — 55,842 — 55,842 December 31, 2016 Carrying Fair Value Amount Level 1 Level 2 Level 3 Total Financial assets: (in thousands) Cash and cash equivalents $ 34,116 $ 34,116 $ — $ — $ 34,116 FRB and FHLB stock 3,443 — 3,443 — 3,443 Investment securities 31,683 115 31,715 — 31,830 Loans, net 623,355 — 599,919 14,775 614,694 Financial liabilities: Deposits 612,236 — 612,215 — 612,215 Other borrowings 29,000 — 28,999 — 28,999 The following methods and assumptions were used by the Company in estimating the fair value of its financial instruments: Cash and cash equivalents The carrying amounts reported in the consolidated balance sheets for cash and due from banks approximate their fair value. Money market investments The carrying amounts reported in the consolidated balance sheets for money market investments approximate their fair value. Investment securities The fair value of Farmer Mac class A stock is based on quoted market prices and are categorized as Level 1 of the fair value hierarchy. The fair value of other investment securities were determined based on matrix pricing. Matrix pricing is a mathematical technique that utilizes observable market inputs including, for example, yield curves, credit ratings and prepayment speeds. Fair values determined using matrix pricing are generally categorized as Level 2 in the fair value hierarchy. 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 capital stock of the Federal Reserve Bank (“FRB”). These investments are carried at cost since no ready market exists for them, and they have no quoted market value. The Company conducts a periodic review and evaluation of our FHLB stock to determine if any impairment exists. The fair values have been categorized as Level 2 in the fair value hierarchy. Loans Held for Sale Loans held for sale are carried at the lower of cost or fair value. The fair value of loans held for sale is based on what secondary markets are currently offering for portfolios with similar characteristics or based on the agreed-upon sale price. As such, the Company classifies the fair value of loans held for sale as a non-recurring valuation within Level 2 of the fair value hierarchy. At September 30, 2017 and December 31, 2016, the Company had loans held for sale with an aggregate carrying value of $58.6 million and $61.4 million respectively. Loans Fair value for loans is estimated based on discounted cash flows using interest rates currently being offered for loans with similar terms to borrowers with similar credit quality with adjustments that the Company believes a market participant would consider in determining fair value based on a third party independent valuation. As a result, the fair value for loans is categorized as Level 2 in the fair value hierarchy. Fair values of impaired loans using a discounted cash flow method to measure impairment have been categorized as Level 3. 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. Federal Home Loan Bank advances and other borrowings The fair values of the Company’s borrowings are estimated using discounted cash flow analyses, based on the market rates for similar types of borrowing arrangements. The FHLB advances have been categorized as Level 2 in the fair value hierarchy. Off-balance sheet instruments Fair values for the Company’s off-balance sheet instruments (lending commitments and standby letters of credit) are based on quoted fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties’ credit standing. There were no standby letters of credit outstanding at September 30, 2017 or at December 31, 2016. Unfunded loan commitments at September 30, 2017 and December 31, 2016 were $70.3 million and $82.9 million, respectively.

OTHER BORROWINGS

OTHER BORROWINGS	9 Months Ended
	Sep. 30, 2017
OTHER BORROWINGS [Abstract]
OTHER BORROWINGS	7. OTHER BORROWINGS Federal Home Loan Bank Advances – Federal Reserve Bank – Federal Funds Purchased Lines – Line of Credit

STOCKHOLDERS' EQUITY

STOCKHOLDERS' EQUITY	9 Months Ended
	Sep. 30, 2017
STOCKHOLDERS' EQUITY [Abstract]
STOCKHOLDERS' EQUITY	8. STOCKHOLDERS’ EQUITY The following table summarizes the changes in other comprehensive income (loss) by component, net of tax for the period indicated: Three Months Ended September 30, Nine Months Ended September 30, 2017 2016 2017 2016 Unrealized holding gains (losses) on AFS Unrealized holding gains (losses) on AFS (in thousands) Beginning balance $ 87 $ 33 $ (29 ) $ (68 ) Other comprehensive income before reclassifications (17 ) (46 ) 99 55 Amounts reclassified from accumulated other comprehensive income — — — — Net current-period other comprehensive income (17 ) (46 ) 99 55 Ending Balance $ 70 $ (13 ) $ 70 $ (13 ) Common Stock On August 24, 2017, the Board of Directors extended the common stock repurchase program of up to $3.0 million for two additional years. Under this program the Company has repurchased 187,569 common stock shares for $1.4 million at an average price of $7.25 per share. There were no repurchases of common stock under this program during the three or nine months ended September 30, 2017. During the three and nine months ended September 30, 2017, the Company paid common stock dividends of $0.3 million and $0.9 million, respectively. During the three and nine months ended September 30, 2016, the Company paid common stock dividends of $0.3 million and $0.8 million, respectively. 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 expires on December 19, 2018. 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 a private investor. Pursuant to the Securities Purchase Agreement, the private investor has agreed not to exercise voting power with respect to any Warrant Shares.

CAPITAL REQUIREMENT

CAPITAL REQUIREMENT	9 Months Ended
	Sep. 30, 2017
CAPITAL REQUIREMENT [Abstract]
CAPITAL REQUIREMENT	9. CAPITAL REQUIREMENT The Federal Reserve has adopted capital adequacy guidelines that are used to assess the adequacy of capital in supervising a bank holding company. In July 2013, the federal banking agencies approved the final rules (“Final Rules”) to establish a new comprehensive regulatory capital framework with a phase-in period beginning January 1, 2015 and ending January 1, 2019. The Final Rules implement the third installment of the Basel Accords (“Basel III”) regulatory capital reforms and changes required by the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank Act”) and substantially amend the regulatory risk-based capital rules applicable to the Company. Basel III redefines the regulatory capital elements and minimum capital ratios, introduces regulatory capital buffers above those minimums, revises rules for calculating risk-weighted assets and adds a new component of Tier 1 capital called Common Equity Tier 1, which includes common equity and retained earnings and excludes preferred equity. The following tables illustrates the Bank’s regulatory ratios and the Federal Reserve’s current adequacy guidelines as of September 30, 2017 and December 31, 2016. The Federal Reserve’s fully phased-in guidelines applicable in 2019 are also summarized. Total Capital (To Risk- Weighted Assets) Tier 1 Capital (To Risk- Weighted Assets) Common Equity Tier 1 (To Risk- Weighted Assets) Leverage Ratio/Tier 1 Capital (To Average Assets) September 30, 2017 CWB's actual regulatory ratios 11.48 % 10.26 % 10.26 % 8.90 % Minimum capital requirements 8.00 % 6.00 % 4.50 % 4.00 % Well-capitalized requirements 10.00 % 8.00 % 6.50 % 5.00 % Minimum capital requirements including fully-phased in capital conservation buffer (2019) 10.50 % 8.50 % 7.00 % N/A Total Capital (To Risk- Weighted Assets) Tier 1 Capital (To Risk- Weighted Assets) Common Equity Tier 1 (To Risk- Weighted Assets) Leverage Ratio/Tier 1 Capital (To Average Assets) December 31, 2016 CWB's actual regulatory ratios 12.27 % 11.04 % 11.04 % 10.08 % Minimum capital requirements 8.00 % 6.00 % 4.50 % 4.00 % Well-capitalized requirements 10.00 % 8.00 % 6.50 % 5.00 % Minimum capital requirements including fully-phased in capital conservation buffer (2019) 10.50 % 8.50 % 7.00 % N/A

SUMMARY OF SIGNIFICANT ACCOUN18

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Sep. 30, 2017
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”). Unless indicated otherwise or unless the context suggest otherwise, these entities are referred to herein collectively and on a consolidated basis 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 loan losses and the fair value of securities available for sale. Although Management believes these estimates to be reasonably accurate, actual amounts may differ. In the opinion of Management, all necessary adjustments have been reflected in the financial statements during their preparation.
Interim Financial Information	Interim Financial Information The accompanying unaudited consolidated financial statements as of and for the three and nine months ended September 30, 2017 and 2016 have been prepared in a condensed format, and therefore do not include all of the information and footnotes required by GAAP 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, 2016. 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, 2016 and for the three and nine months ended September 30, 2016 have been reclassified to conform to the current presentation. The reclassifications have no effect on net income, comprehensive 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 fair value provision. Loans held for sale are mostly comprised of SBA and commercial agriculture. The Company did not incur any lower of cost or fair value provision in the three and nine months ended September 30, 2017 and 2016.
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 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: Troubled debt restructured loan (“TDR”):
Allowance for Loan Losses and Provision for Loan Losses	Allowance for Loan Losses and Provision for Loan Losses The Company maintains a detailed, systematic analysis and procedural discipline to determine the amount of the allowance for loan losses (“ALL”). The ALL is based on estimates and is intended to be appropriate to provide for probable losses inherent in the loan portfolio. This process involves deriving probable loss estimates that are based on migration analysis and historical loss rates, in addition to qualitative factors that are based on management’s judgment. The migration analysis and historical loss rate calculations are based on the annualized loss rates utilizing a twelve-quarter loss history. Migration analysis is utilized for the Commercial Real Estate (“CRE”), Commercial, Commercial Agriculture, Small Business 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 – Good – Pass - Watch – Special Mention - Substandard - Doubtful - Loss - 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. 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 the 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 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 changes in any of the following factors: · Concentrations of credit · International risk · Trends in volume, maturity, and composition of loans · Volume and trend in delinquency, nonaccrual, and classified assets · Economic conditions · Geographic distance · Policy and procedures or underwriting standards · Staff experience and ability · Value of underlying collateral · Competition, legal, or regulatory environment · Results of outside exams and quality of loan review and Board oversight
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 factors 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 included 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, the Company 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 the 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 assets 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 assets may not be realized. The Company is subject to the provisions of ASC 740, Income Taxes
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. 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 May 2014, the FASB issued guidance codified within ASU 2014-09, “Revenue Recognition - Revenue from Contracts with Customers,” which amends the guidance in former Topic 605, Revenue Recognition. The new revenue recognition standard will In January 2016, the FASB issued guidance codified within ASU 2016-01, “Financial Instruments – Overall, Subtopic 825-10: Recognition and Measurement of Financial Assets and Financial Liabilities,” which amends certain guidance on classification and measurement of financial instruments. The update is intended to enhance the reporting model for financial instruments to provide users of financial instruments with more decision-useful information and addresses certain aspects of the recognition, measurement, presentation, and disclosure of financial instruments. ASU 2016-01 is effective for the Company for annual reporting periods beginning after December 15, 2017. The Company has evaluated the impact of the provisions in this standard on the Company’s Consolidated Financial Statements. The adoption of this standard is not anticipated to have a material impact on the Company’s Consolidated Financial Statements. In February 2016, the FASB amended its standards with respect to the accounting for leases. The amended guidance serves to replace all current U.S. GAAP guidance on this topic and requires that an operating lease be recognized on the statement of financial condition as a “right-to-use” asset along with a corresponding liability representing the rent obligation. Key aspects of current lessor accounting remain unchanged from existing guidance. This standard is expected to result in an increase to assets and liabilities recognized and, therefore, increase risk-weighted assets for regulatory capital purposes. The guidance requires the use of the modified retrospective transition approach for existing leases that have not expired before the date of initial application and will become effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. The standard is effective for the Company as of January 1, 2019. The Company is currently evaluating the impact of the amended guidance on the Company’s Consolidated Financial Statements and has not yet determined the effect of the standard on our ongoing financial reporting. In March 2016, the FASB issued update guidance codified within ASU-2016-09, “Compensation – Stock Compensation (Topic 718), Improvements to Employee Share-Based Payment Accounting,” which amends the guidance on certain aspects of share-based payments to employees. The new guidance will require entities to recognize all income tax effects of awards in the income statement when the awards vest or are settled. The guidance requires the use of the modified retrospective transition method by means of a cumulative-effect adjustment to equity as of the beginning of the period in which the guidance is adopted. The standard was effective for the Company as of January 1, 2017. The adoption of this standard did not have a material impact on the Company’s Consolidated Financial Statements. In June of 2016, the FASB issued update guidance codified within ASU-2016-13, “Financial Instruments – Credit Losses (Topic 326), Measurement of Credit Losses on Financial Instruments,” which amends the guidance for recognizing credit losses from an “incurred loss” methodology that delays recognition of credit losses until it is probable a loss has been incurred to an expected credit loss methodology. The guidance requires the use of the modified retrospective transition method by means of a cumulative-effect adjustment to equity as of the beginning of the period in which the guidance is adopted. The standard is effective for the Company as of January 1, 2020. The Company is currently evaluating the impact of the amended guidance and has not yet determined the effect of the standard on its ongoing financial reporting. In March 2017, the FASB issued updated guidance codified within ASU-2017-08, “Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20),” which is intended to enhance the accounting for the amortization of premiums for purchased callable debt securities. The standard is effective for the Company as of January 1, 2019. The Company does not believe the standard will have a material impact on the Company’s financials.

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2017
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: September 30, 2017 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value Securities available-for-sale (in thousands) U.S. government agency notes $ 14,525 $ 54 $ (42 ) $ 14,537 U.S. government agency collateralized mortgage obligations ("CMO") 15,217 78 (51 ) 15,244 Equity securities: Farmer Mac class A stock 66 80 — 146 Total $ 29,808 $ 212 $ (93 ) $ 29,927 Securities held-to-maturity U.S. government agency mortgage backed securities ("MBS") $ 8,190 $ 280 $ (86 ) $ 8,384 Total $ 8,190 $ 280 $ (86 ) $ 8,384 December 31, 2016 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value Securities available-for-sale (in thousands) U.S. government agency notes $ 5,634 $ — $ (62 ) $ 5,572 U.S. government agency collateralized mortgage obligations ("CMO") 17,031 48 (85 ) 16,994 Equity securities: Farmer Mac class A stock 66 49 — 115 Total $ 22,731 $ 97 $ (147 ) $ 22,681 Securities held-to-maturity U.S. government agency mortgage backed securities ("MBS") $ 9,002 $ 298 $ (151 ) $ 9,149 Total $ 9,002 $ 298 $ (151 ) $ 9,149
Maturity Periods and Weighted Average Yields of Investment Securities	The maturity periods and weighted average yields of investment securities at the period ends indicated were as follows: September 30, 2017 Less than One Year One to Five Years Five to Ten Years Over Ten Years Total Amount Yield Amount Yield Amount Yield Amount Yield Amount Yield Securities available-for-sale (dollars in thousands) U.S. government agency notes $ 1,995 2.6 % $ 1,864 1.6 % $ 10,678 2.0 % $ — — $ 14,537 2.0 % U.S. government agency CMO — — 3,571 1.8 % 8,694 1.7 % 2,979 2.1 % 15,244 1.8 % Farmer Mac class A stock — — — — — — — — 146 — Total $ 1,995 2.6 % $ 5,435 1.7 % $ 19,372 1.9 % $ 2,979 2.1 % $ 29,927 1.9 % Securities held-to-maturity U.S. government agency MBS $ — — $ 2,086 3.7 % $ 6,104 3.1 % $ — — $ 8,190 3.2 % Total $ — — $ 2,086 3.7 % $ 6,104 3.1 % $ — — $ 8,190 3.2 % December 31, 2016 Less than One Year One to Five Years Five to Ten Years Over Ten Years Total Amount Yield Amount Yield Amount Yield Amount Yield Amount Yield Securities available-for-sale (dollars in thousands) U.S. government agency notes $ 1,973 2.6 % $ 1,963 0.8 % $ 1,636 1.3 % $ — — $ 5,572 1.6 % U.S. government agency CMO — — 2,063 1.9 % 11,827 1.1 % 3,104 1.5 % 16,994 1.2 % Farmer Mac class A stock — — — — — — — — 115 — Total $ 1,973 2.6 % $ 4,026 1.4 % $ 13,463 1.1 % $ 3,104 1.5 % $ 22,681 1.3 % Securities held-to-maturity U.S. government agency MBS $ — — $ 797 5.0 % $ 5,531 3.2 % $ 2,674 2.5 % $ 9,002 3.2 % Total $ — — $ 797 5.0 % $ 5,531 3.2 % $ 2,674 2.5 % $ 9,002 3.2 %
Amortized Cost and Fair Value of Investment Securities by Contractual Maturities	The amortized cost and fair value of investment securities by contractual maturities as of the periods presented were as shown below: September 30, 2017 December 31, 2016 Amortized Cost Estimated Fair Value Amortized Cost Estimated Fair Value Securities available-for-sale Due in one year or less $ 1,996 $ 1,995 $ 1,995 $ 1,973 After one year through five years 5,447 5,435 4,027 4,026 After five years through ten years 19,304 19,372 13,508 13,463 After ten years 2,995 2,979 3,135 3,104 Farmer Mac class A stock 66 146 66 115 $ 29,808 $ 29,927 $ 22,731 $ 22,681 Securities held-to-maturity Due in one year or less $ - $ - $ - $ - After one year through five years 2,086 2,221 797 864 After five years through ten years 6,104 6,163 5,531 5,762 After ten years - - 2,674 2,523 $ 8,190 $ 8,384 $ 9,002 $ 9,149
Fair Value and Unrealized Losses of Securities in Unrealized Loss Position	The following tables show all securities that are in an unrealized loss position: September 30, 2017 Less Than Twelve Months More Than Twelve Months Total Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Securities available-for-sale (in thousands) U.S. government agency notes $ 35 $ 8,452 $ 7 $ 1,384 $ 42 $ 9,836 U.S. government agency CMO — — 51 3,562 51 3,562 Equity securities: Farmer Mac class A stock — — — — — — $ 35 $ 8,452 $ 58 $ 4,946 $ 93 $ 13,398 Securities held-to-maturity U.S. Government-agency MBS $ — $ — $ 86 $ 2,538 $ 86 $ 2,538 Total $ — $ — $ 86 $ 2,538 $ 86 $ 2,538 December 31, 2016 Less Than Twelve Months More Than Twelve Months Total Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Securities available-for-sale (in thousands) U.S. government agency notes $ 29 $ 3,936 $ 33 $ 1,636 $ 62 $ 5,572 U.S. government agency CMO 35 7,930 50 1,601 85 9,531 Equity securities: Farmer Mac class A stock — — — — — — $ 64 $ 11,866 $ 83 $ 3,237 $ 147 $ 15,103 Securities held-to-maturity U.S. Government-agency MBS $ 151 $ 3,312 $ — $ — $ 151 $ 3,312 Total $ 151 $ 3,312 $ — $ — $ 151 $ 3,312

LOANS HELD FOR INVESTMENT (Tabl

LOANS HELD FOR INVESTMENT (Tables)	9 Months Ended
	Sep. 30, 2017
LOANS HELD FOR INVESTMENT [Abstract]
Composition of Loans Held for Investment Loan Portfolio	The composition of the Company’s loans held for investment loan portfolio follows: September 30, December 31, 2017 2016 (in thousands) Manufactured housing $ 216,572 $ 194,222 Commercial real estate 343,771 272,142 Commercial 76,250 70,369 SBA 8,656 10,164 HELOC 9,656 10,292 Single family real estate 10,022 12,750 Consumer 34 87 664,961 570,026 Allowance for loan losses (8,312 ) (7,464 ) Deferred fees, net (702 ) (453 ) Discount on SBA loans (125 ) (170 ) Total loans held for investment, net $ 655,822 $ 561,939
Contractual Aging of Recorded Investment in Past Due Held for Investment Loans by Class of Loans	The following table presents the contractual aging of the recorded investment in past due held for investment loans by class of loans: September 30, 2017 Current 30-59 Days* Past Due 60-89 Days* Past Due Over 90 Days* Past Due Total Past Due Nonaccrual Total Recorded Investment Over 90 Days and Accruing (in thousands) Manufactured housing $ 215,854 $ 230 $ — $ — $ 230 $ 488 $ 216,572 $ — Commercial real estate: Commercial real estate 268,400 — — — — 127 268,527 — SBA 504 1st trust deed 27,291 — — — — 194 27,485 — Land 5,010 — — — — — 5,010 — Construction 42,749 — — — — — 42,749 — Commercial 74,398 72 — — 72 1,780 76,250 — SBA 7,973 — — — — 683 8,656 — HELOC 9,437 — — — — 219 9,656 — Single family real estate 9,842 — — — — 180 10,022 — Consumer 34 — — — — — 34 — Total $ 660,988 $ 302 $ — $ — $ 302 $ 3,671 $ 664,961 $ — * Table reports past dues based on Call Report definitions of number of payments past due. December 31, 2016 Current 30-59 Days* Past Due 60-89 Days* Past Due Over 90 Days* Past Due Total Past Due Nonaccrual Total Recorded Investment Over 90 Days and Accruing (in thousands) Manufactured housing $ 193,258 $ 164 $ — $ — $ 164 $ 800 $ 194,222 $ — Commercial real estate: Commercial real estate 214,248 — — — — 141 214,389 — SBA 504 1st trust deed 23,167 — — — — 712 23,879 — Land 3,167 — — — — — 3,167 — Construction 30,707 — — — — — 30,707 — Commercial 70,337 1 — — 1 31 70,369 — SBA 9,275 — 21 — 21 868 10,164 — HELOC 9,919 — — — — 373 10,292 — Single family real estate 12,558 — — — — 192 12,750 — Consumer 87 — — — — — 87 — Total $ 566,723 $ 165 $ 21 $ — $ 186 $ 3,117 $ 570,026 $ — * Table reports past dues based on Call Report definitions of number of payments past due.
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 September 30, Nine Months Ended September 30, 2017 2016 2017 2016 (in thousands) Beginning balance $ 7,994 $ 7,028 $ 7,464 $ 6,916 Charge-offs (33 ) (100 ) (203 ) (162 ) Recoveries 192 240 628 600 Net recoveries 159 140 425 438 Provision (credit) 159 22 423 (164 ) Ending balance $ 8,312 $ 7,190 $ 8,312 $ 7,190 As of September 30, 2017 and December 31, 2016, the Company had reserves for credit losses on undisbursed loans of $96,000 and $125,000, respectively, which were included in other liabilities. The following tables summarize the changes in the allowance for loan losses by portfolio type: For the Three Months Ended September 30, Manufactured Housing Commercial Real Estate Commercial SBA HELOC Single Family Real Estate Consumer Total 2017 (in thousands) Beginning balance $ 2,124 $ 4,332 $ 1,262 $ 91 $ 98 $ 87 $ — $ 7,994 Charge-offs — — — — — (33 ) — (33 ) Recoveries 38 — 43 104 7 — — 192 Net (charge-offs) recoveries 38 — 43 104 7 (33 ) — 159 Provision (credit) (15 ) 359 (100 ) (108 ) (11 ) 34 — 159 Ending balance $ 2,147 $ 4,691 $ 1,205 $ 87 $ 94 $ 88 $ — $ 8,312 2016 Beginning balance $ 2,188 $ 3,078 $ 1,251 $ 322 $ 62 $ 126 $ 1 $ 7,028 Charge-offs — — — (100 ) — — — (100 ) Recoveries 121 — 40 12 66 1 — 240 Net (charge-offs) recoveries 121 — 40 (88 ) 66 1 — 140 Provision (credit) (102 ) 194 66 (142 ) (25 ) 31 — 22 Ending balance $ 2,207 $ 3,272 $ 1,357 $ 92 $ 103 $ 158 $ 1 $ 7,190 For the Nine Months Ended September 30, Manufactured Housing Commercial Real Estate Commercial SBA HELOC Single Family Real Estate Consumer Total 2017 (in thousands) Beginning balance $ 2,201 $ 3,707 $ 1,241 $ 106 $ 100 $ 109 $ — $ 7,464 Charge-offs (119 ) — — (30 ) — (54 ) — (203 ) Recoveries 105 227 116 168 11 1 — 628 Net (charge-offs) recoveries (14 ) 227 116 138 11 (53 ) — 425 Provision (credit) (40 ) 757 (152 ) (157 ) (17 ) 32 — 423 Ending balance $ 2,147 $ 4,691 $ 1,205 $ 87 $ 94 $ 88 $ — $ 8,312 2016 Beginning balance $ 3,525 $ 1,853 $ 939 $ 451 $ 43 $ 103 $ 2 $ 6,916 Charge-offs (41 ) — — (121 ) — — — (162 ) Recoveries 126 13 120 196 74 71 — 600 Net (charge-offs) recoveries 85 13 120 75 74 71 — 438 Provision (credit) (1,403 ) 1,406 298 (434 ) (14 ) (16 ) (1 ) (164 ) Ending balance $ 2,207 $ 3,272 $ 1,357 $ 92 $ 103 $ 158 $ 1 $ 7,190
Impairment Method Information Related to Loans and Allowance for Loan Losses by Loan Portfolio Segment	The following tables present impairment method information related to loans and allowance for loan losses by loan portfolio segment: Manufactured Housing Commercial Real Estate Commercial SBA HELOC Single Family Real Estate Consumer Total Loans Loans Held for Investment as of September 30, 2017: (in thousands) Recorded Investment: Impaired loans with an allowance recorded $ 6,195 $ 574 $ 3,357 $ — $ — $ 2,009 $ — $ 12,135 Impaired loans with no allowance recorded 2,263 — 2,027 728 219 180 — 5,417 Total loans individually evaluated for impairment 8,458 574 5,384 728 219 2,189 — 17,552 Loans collectively evaluated for impairment 208,114 343,197 70,866 7,928 9,437 7,833 34 647,409 Total loans held for investment $ 216,572 $ 343,771 $ 76,250 $ 8,656 $ 9,656 $ 10,022 $ 34 $ 664,961 Unpaid Principal Balance Impaired loans with an allowance recorded $ 6,201 $ 672 $ 3,357 $ — $ — $ 2,009 $ — $ 12,239 Impaired loans with no allowance recorded 3,666 — 2,035 1,046 249 221 — 7,217 Total loans individually evaluated for impairment 9,867 672 5,392 1,046 249 2,230 — 19,456 Loans collectively evaluated for impairment 208,114 343,197 70,866 7,928 9,437 7,833 34 647,409 Total loans held for investment $ 217,981 $ 343,869 $ 76,258 $ 8,974 $ 9,686 $ 10,063 $ 34 $ 666,865 Related Allowance for Credit Losses Impaired loans with an allowance recorded $ 457 $ 12 $ 140 $ — $ — $ 27 $ — $ 636 Impaired loans with no allowance recorded — — — — — — — — Total loans individually evaluated for impairment 457 12 140 — — 27 — 636 Loans collectively evaluated for impairment 1,690 4,679 1,065 87 94 61 — 7,676 Total loans held for investment $ 2,147 $ 4,691 $ 1,205 $ 87 $ 94 $ 88 $ — $ 8,312 Manufactured Housing Commercial Real Estate Commercial SBA HELOC Single Family Real Estate Consumer Total Loans Loans Held for Investment as of December 31, 2016: (in thousands) Recorded Investment: Impaired loans with an allowance recorded $ 6,065 $ 1,112 $ 3,749 $ 70 $ 45 $ 2,039 $ — $ 13,080 Impaired loans with no allowance recorded 2,846 — 31 1,067 328 191 — 4,463 Total loans individually evaluated for impairment 8,911 1,112 3,780 1,137 373 2,230 — 17,543 Loans collectively evaluated for impairment 185,311 271,030 66,589 9,027 9,919 10,520 87 552,483 Total loans held for investment $ 194,222 $ 272,142 $ 70,369 $ 10,164 $ 10,292 $ 12,750 $ 87 $ 570,026 Unpaid Principal Balance Impaired loans with an allowance recorded $ 6,133 $ 1,253 $ 3,749 $ 70 $ 57 $ 2,039 $ — $ 13,301 Impaired loans with no allowance recorded 4,369 — 31 1,538 348 226 — 6,512 Total loans individually evaluated for impairment 10,502 1,253 3,780 1,608 405 2,265 — 19,813 Loans collectively evaluated for impairment 185,311 271,030 66,589 9,027 9,919 10,520 87 552,483 Total loans held for investment $ 195,813 $ 272,283 $ 70,369 $ 10,635 $ 10,324 $ 12,785 $ 87 $ 572,296 Related Allowance for Credit Losses Impaired loans with an allowance recorded $ 548 $ 17 $ 165 $ — $ 1 $ 28 $ — $ 759 Impaired loans with no allowance recorded — — — — — — — — Total loans individually evaluated for impairment 548 17 165 — 1 28 — 759 Loans collectively evaluated for impairment 1,653 3,690 1,076 106 99 81 — 6,705 Total loans held for investment $ 2,201 $ 3,707 $ 1,241 $ 106 $ 100 $ 109 $ — $ 7,464
Recorded Investment in Loans Classified as Impaired	The table below reflects recorded investment in loans classified as impaired: September 30, December 31, 2017 2016 (in thousands) Impaired loans with a specific valuation allowance under ASC 310 $ 12,135 $ 13,080 Impaired loans without a specific valuation allowance under ASC 310 5,417 4,463 Total impaired loans $ 17,552 $ 17,543 Valuation allowance related to impaired loans $ 636 $ 759
Impaired Loans by Class	The following table summarizes impaired loans by class of loans: September 30, December 31, 2017 2016 (in thousands) Manufactured housing $ 8,458 $ 8,911 Commercial real estate : Commercial real estate 127 142 SBA 504 1st trust deed 447 970 Land — — Construction — — Commercial 5,384 3,780 SBA 728 1,137 HELOC 219 373 Single family real estate 2,189 2,230 Total $ 17,552 $ 17,543
Summary of Average Investment in Impaired Loans by Class and Related Interest Income Recognized	The following tables summarize average investment in impaired loans by class of loans and the related interest income recognized: Three Months Ended September 30, 2017 2016 Average Investment in Impaired Loans Interest Income Average Investment in Impaired Loans Interest Income (in thousands) Manufactured housing $ 7,483 $ 174 $ 8,306 $ 174 Commercial real estate: Commercial real estate 120 1 510 — SBA 504 1st trust deed 402 5 1,148 5 Land — — — — Construction — — — — Commercial 4,789 54 3,346 49 SBA 662 1 1,266 41 HELOC 214 — 510 — Single family real estate 1,951 25 2,134 26 Consumer — — — — Total $ 15,621 $ 260 $ 17,220 $ 295 Nine Months Ended September 30, 2017 2016 Average Investment in Impaired Loans Interest Income Average Investment in Impaired Loans Interest Income (in thousands) Manufactured housing $ 7,634 $ 488 $ 8,482 $ 499 Commercial real estate: Commercial real estate 123 1 682 3 SBA 504 1st 523 15 1,625 33 Land — — — — Construction — — — — Commercial 4,486 155 3,190 148 SBA 767 3 891 97 HELOC 273 — 410 7 Single family real estate 1,973 75 2,173 83 Consumer — — — — Total $ 15,779 $ 737 $ 17,453 $ 870
Schedule of Recorded Investment in Certain Types of Loans	The following table reflects the recorded investment in certain types of loans at the periods indicated: September 30, December 31, 2017 2016 (in thousands) Nonaccrual loans $ 3,671 $ 3,117 Government guaranteed portion of loans included above $ 1,834 $ 742 Troubled debt restructured loans, gross $ 13,784 $ 14,437 Loans 30 through 89 days past due with interest accruing $ 302 $ — Loans 90 days or more past due with interest accruing $ — $ — Allowance for loan losses to gross loans held for investment 1.25 % 1.31 %
Composition of Net Nonaccrual Loans	The following table presents the composition of nonaccrual loans by class of loans: September 30, December 31, 2017 2016 (in thousands) Manufactured housing $ 488 $ 800 Commercial real estate: Commercial real estate 127 141 SBA 504 1st trust deed 194 712 Land — — Construction — — Commercial 1,780 31 SBA 683 868 HELOC 219 373 Single family real estate 180 192 Consumer — — Total $ 3,671 $ 3,117
Schedule of Gross Loans by Risk Rating	The following tables present gross loans by risk rating: September 30, 2017 Pass Special Mention Substandard Doubtful Total (in thousands) Manufactured housing $ 214,559 $ — $ 2,013 $ — $ 216,572 Commercial real estate: Commercial real estate 268,399 — 127 — 268,526 SBA 504 1st trust deed 26,798 — 687 — 27,485 Land 5,010 — — — 5,010 Construction 39,535 3,215 — — 42,750 Commercial 70,181 889 3,619 — 74,689 SBA 6,759 104 413 — 7,276 HELOC 9,437 — 219 — 9,656 Single family real estate 9,837 — 185 — 10,022 Consumer 34 — — — 34 Total, net 650,549 4,208 7,263 — 662,020 Government guarantee — — 2,941 — 2,941 Total $ 650,549 $ 4,208 $ 10,204 $ — $ 664,961 December 31, 2016 Pass Special Mention Substandard Doubtful Total (in thousands) Manufactured housing $ 191,784 $ — $ 2,438 $ — $ 194,222 Commercial real estate: Commercial real estate 212,259 1,988 142 — 214,389 SBA 504 1st trust deed 22,664 — 1,215 — 23,879 Land 3,167 — — — 3,167 Construction 30,707 — — — 30,707 Commercial 63,002 7,268 99 — 70,369 SBA 8,297 108 389 8,794 HELOC 9,671 — 621 — 10,292 Single family real estate 12,553 — 197 — 12,750 Consumer 87 — — — 87 Total, net 554,191 9,364 5,101 $ — 568,656 Government guarantee — — 1,370 — 1,370 Total $ 554,191 $ 9,364 $ 6,471 $ — $ 570,026
Troubled Debt Restructurings	The following tables summarize the financial effects of TDR loans by loan class for the periods presented: For the Three Months Ended September 30, 2017 Number of Loans Pre- Modification Recorded Investment Post Modification Recorded Investment Balance of Loans with Rate Reduction Balance of Loans with Term Extension Effect on Allowance for Loan Losses (dollars in thousands) Manufactured housing 2 $ 363 $ 363 $ 363 $ 363 $ 24 Commercial 1 14 14 — 14 — Total 3 $ 377 $ 377 $ 363 $ 377 24 For the Nine Months Ended September 30, 2017 Number of Loans Pre- Modification Recorded Investment Post Modification Recorded Investment Balance of Loans with Rate Reduction Balance of Loans with Term Extension Effect on Allowance for Loan Losses (dollars in thousands) Manufactured housing 9 $ 807 $ 807 $ 807 $ 807 $ 45 Commercial 2 102 102 — 102 2 SBA 1 17 17 — 17 1 Total 12 $ 926 $ 926 $ 807 $ 926 $ 48 For the Three Months Ended September 30, 2016 Number of Loans Pre- Modification Recorded Investment Post Modification Recorded Investment Balance of Loans with Rate Reduction Balance of Loans with Term Extension Effect on Allowance for Loan Losses (dollars in thousands) Manufactured Housing 10 $ 735 $ 735 $ 735 $ 735 $ 40 Total 10 $ 735 $ 735 $ 735 $ 735 $ 40 For the Nine Months Ended September 30, 2016 Number of Loans Pre- Modification Recorded Investment Post Modification Recorded Investment Balance of Loans with Rate Reduction Balance of Loans with Term Extension Effect on Allowance for Loan Losses (dollars in thousands) Manufactured housing 20 $ 1,619 $ 1,619 $ 1,619 $ 1,619 $ 98 SBA 1 92 92 - 92 - HELOC 1 257 257 - 257 - Single family real estate 1 105 105 105 105 7 Commercial 3 718 718 - 718 7 Total 26 $ 2,791 $ 2,791 $ 1,724 $ 2,791 $ 112

OTHER ASSETS ACQUIRED THROUGH21

OTHER ASSETS ACQUIRED THROUGH FORECLOSURE (Tables)	9 Months Ended
	Sep. 30, 2017
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 September 30, Nine Months Ended September 30, 2017 2016 2017 2016 (in thousands) Balance, beginning of period $ 362 $ 129 $ 137 $ 198 Additions 132 48 502 213 Proceeds from dispositions (60 ) (115 ) (303 ) (342 ) Gains (loss) on sales, net 52 (7 ) 150 (14 ) Balance, end of period $ 486 $ 55 $ 486 $ 55

FAIR VALUE MEASUREMENT (Tables)

FAIR VALUE MEASUREMENT (Tables)	9 Months Ended
	Sep. 30, 2017
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: September 30, 2017 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Fair Value Assets: (in thousands) Investment securities available-for-sale $ 146 $ 29,781 $ — $ 29,927 Interest only strips — — 96 96 Servicing assets — — 118 118 $ 146 $ 29,781 $ 214 $ 30,141 Fair Value Measurements at the End of the Reporting Period Using: December 31, 2016 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Fair Value Assets: (in thousands) Investment securities available-for-sale $ 115 $ 22,566 $ — $ 22,681 Interest only strips — — 119 119 Servicing assets — — 158 158 $ 115 $ 22,566 $ 277 $ 22,958
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: Total Quoted Prices in Active Markets for Identical Assets (Level 1) Active Markets for Similar Assets (Level 2) Unobservable Inputs (Level 3) (in thousands) September 30, 2017: Impaired loans $ 3,381 $ — $ 3,381 $ — Foreclosed real estate and repossessed assets 486 — 486 — $ 3,867 $ — $ 3,867 $ — Fair Value Measurements at the End of the Reporting Period Using: Total Quoted Prices in Active Markets for Identical Assets (Level 1) Active Markets for Similar Assets (Level 2) Unobservable Inputs (Level 3) (in thousands) December 31, 2016: Impaired loans $ 2,008 $ — $ 2,008 $ — Foreclosed real estate and repossessed assets 137 — 137 — $ 2,145 $ — $ 2,145 $ —
Estimated Fair Values and Carrying Values of Financial Instruments	The estimated fair value of the Company’s financial instruments are as follows: September 30, 2017 Carrying Fair Value Amount Level 1 Level 2 Level 3 Total Financial assets: (in thousands) Cash and cash equivalents $ 51,571 $ 51,571 $ — $ — $ 51,571 FRB and FHLB stock 3,720 — 3,720 — 3,720 Investment securities 38,117 146 38,165 — 38,311 Loans, net 714,383 — 700,025 10,246 710,271 Financial liabilities: Deposits 697,154 — 670,435 — 670,435 Other borrowings 55,843 — 55,842 — 55,842 December 31, 2016 Carrying Fair Value Amount Level 1 Level 2 Level 3 Total Financial assets: (in thousands) Cash and cash equivalents $ 34,116 $ 34,116 $ — $ — $ 34,116 FRB and FHLB stock 3,443 — 3,443 — 3,443 Investment securities 31,683 115 31,715 — 31,830 Loans, net 623,355 — 599,919 14,775 614,694 Financial liabilities: Deposits 612,236 — 612,215 — 612,215 Other borrowings 29,000 — 28,999 — 28,999

STOCKHOLDERS' EQUITY (Tables)

STOCKHOLDERS' EQUITY (Tables)	9 Months Ended
	Sep. 30, 2017
STOCKHOLDERS' EQUITY [Abstract]
Changes in Other Comprehensive Income (Loss) by Component, Net of Tax	The following table summarizes the changes in other comprehensive income (loss) by component, net of tax for the period indicated: Three Months Ended September 30, Nine Months Ended September 30, 2017 2016 2017 2016 Unrealized holding gains (losses) on AFS Unrealized holding gains (losses) on AFS (in thousands) Beginning balance $ 87 $ 33 $ (29 ) $ (68 ) Other comprehensive income before reclassifications (17 ) (46 ) 99 55 Amounts reclassified from accumulated other comprehensive income — — — — Net current-period other comprehensive income (17 ) (46 ) 99 55 Ending Balance $ 70 $ (13 ) $ 70 $ (13 )

CAPITAL REQUIREMENT (Tables)

CAPITAL REQUIREMENT (Tables)	9 Months Ended
	Sep. 30, 2017
CAPITAL REQUIREMENT [Abstract]
Summary of Bank's Regulatory Ratios and Federal Reserve's Current Adequacy Guidelines	The following tables illustrates the Bank’s regulatory ratios and the Federal Reserve’s current adequacy guidelines as of September 30, 2017 and December 31, 2016. The Federal Reserve’s fully phased-in guidelines applicable in 2019 are also summarized. Total Capital (To Risk- Weighted Assets) Tier 1 Capital (To Risk- Weighted Assets) Common Equity Tier 1 (To Risk- Weighted Assets) Leverage Ratio/Tier 1 Capital (To Average Assets) September 30, 2017 CWB's actual regulatory ratios 11.48 % 10.26 % 10.26 % 8.90 % Minimum capital requirements 8.00 % 6.00 % 4.50 % 4.00 % Well-capitalized requirements 10.00 % 8.00 % 6.50 % 5.00 % Minimum capital requirements including fully-phased in capital conservation buffer (2019) 10.50 % 8.50 % 7.00 % N/A Total Capital (To Risk- Weighted Assets) Tier 1 Capital (To Risk- Weighted Assets) Common Equity Tier 1 (To Risk- Weighted Assets) Leverage Ratio/Tier 1 Capital (To Average Assets) December 31, 2016 CWB's actual regulatory ratios 12.27 % 11.04 % 11.04 % 10.08 % Minimum capital requirements 8.00 % 6.00 % 4.50 % 4.00 % Well-capitalized requirements 10.00 % 8.00 % 6.50 % 5.00 % Minimum capital requirements including fully-phased in capital conservation buffer (2019) 10.50 % 8.50 % 7.00 % N/A

SUMMARY OF SIGNIFICANT ACCOUN25

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)	9 Months Ended
	Sep. 30, 2017QuarterPayment
Loans Held for Investment and Interest and Fees from Loans [Abstract]
Period of delinquency after which a loan is placed in a nonaccrual status	90 days
Allowance for Loan Losses and Provision for Loan Losses [Abstract]
Period of loss history used for determining the amount of allowance of loan losses | Quarter	12
Minimum [Member]
Loans Held for Investment and Interest and Fees from Loans [Abstract]
Period of delinquency after which a loan is placed in a nonaccrual status	90 days
Other Personal Loans [Member] | Maximum [Member]
Loans Held for Investment and Interest and Fees from Loans [Abstract]
Threshold period past due for write-off of loans	120 days
Consumer [Member]
Allowance for Loan Losses and Provision for Loan Losses [Abstract]
Period past due for unsecured loans to be charged off	120 days
Number of delinquent payments for unsecured loans to be charged off | Payment	5
Commercial [Member]
Allowance for Loan Losses and Provision for Loan Losses [Abstract]
Period past due for unsecured loans to be charged off	90 days
Commercial Real Estate [Member]
Allowance for Loan Losses and Provision for Loan Losses [Abstract]
Period past due for unsecured loans to be charged off	90 days
SBA [Member]
Allowance for Loan Losses and Provision for Loan Losses [Abstract]
Period past due for unsecured loans to be charged off	90 days
Single Family Real Estate [Member]
Allowance for Loan Losses and Provision for Loan Losses [Abstract]
Period past due after which loans are evaluated for impairment	90 days
Single Family Real Estate [Member] | Minimum [Member]
Allowance for Loan Losses and Provision for Loan Losses [Abstract]
Period past due for unsecured loans to be charged off	90 days
Single Family Real Estate [Member] | Maximum [Member]
Allowance for Loan Losses and Provision for Loan Losses [Abstract]
Period past due for unsecured loans to be charged off	120 days
HELOC [Member]
Allowance for Loan Losses and Provision for Loan Losses [Abstract]
Period past due after which loans are evaluated for impairment	90 days
HELOC [Member] | Minimum [Member]
Allowance for Loan Losses and Provision for Loan Losses [Abstract]
Period past due for unsecured loans to be charged off	90 days
HELOC [Member] | Maximum [Member]
Allowance for Loan Losses and Provision for Loan Losses [Abstract]
Period past due for unsecured loans to be charged off	120 days
Manufactured Housing [Member]
Allowance for Loan Losses and Provision for Loan Losses [Abstract]
Period past due after which loans are evaluated for impairment	90 days
Manufactured Housing [Member] | Minimum [Member]
Allowance for Loan Losses and Provision for Loan Losses [Abstract]
Period past due for unsecured loans to be charged off	90 days
Manufactured Housing [Member] | Maximum [Member]
Allowance for Loan Losses and Provision for Loan Losses [Abstract]
Period past due for unsecured loans to be charged off	120 days

INVESTMENT SECURITIES, Amortize

INVESTMENT SECURITIES, Amortized Cost and Estimated Fair Value (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]
Amortized cost	$ 29,808	$ 22,731
Gross unrealized gains	212	97
Gross unrealized (losses)	(93)	(147)
Fair value	29,927	22,681
Available-for-sale Equity Securities, Amortized Cost Basis [Abstract]
Amortized cost	66	66
Fair value	146	115
Securities held-to-maturity [Abstract]
Amortized cost	8,190	9,002
Gross unrealized gains	280	298
Gross unrealized (losses)	(86)	(151)
Fair value	8,384	9,149
Available-for-sale and held to maturity securities disclosure [Abstract]
Securities pledged as collateral	38,000	31,700
U.S. Government Agency [Member] | Notes [Member]
Available-for-sale Debt Securities, Amortized Cost Basis [Abstract]
Amortized cost	14,525	5,634
Gross unrealized gains	54	0
Gross unrealized (losses)	(42)	(62)
Fair value	14,537	5,572
U.S. Government Agency [Member] | Collateralized Mortgage Obligations ("CMO") [Member]
Available-for-sale Debt Securities, Amortized Cost Basis [Abstract]
Amortized cost	15,217	17,031
Gross unrealized gains	78	48
Gross unrealized (losses)	(51)	(85)
Fair value	15,244	16,994
Equity Securities: Farmer Mac Class A Stock [Member]
Available-for-sale Equity Securities, Amortized Cost Basis [Abstract]
Amortized cost	66	66
Gross unrealized gains	80	49
Gross unrealized (losses)	0	0
Fair value	146	115
U.S. Government Agency [Member] | Mortgage Backed Securities ("MBS") [Member]
Securities held-to-maturity [Abstract]
Amortized cost	8,190	9,002
Gross unrealized gains	280	298
Gross unrealized (losses)	(86)	(151)
Fair value	$ 8,384	$ 9,149

INVESTMENT SECURITIES, Maturity

INVESTMENT SECURITIES, Maturity Periods and Weighted Average Yields (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Maturity periods and weighted average yields of investment securities available-for-sale [Abstract]
Less than one year, amount	$ 1,995	$ 1,973
Less than one year, yield	2.60%	2.60%
One to five years, amount	$ 5,435	$ 4,026
One to five years, yield	1.70%	1.40%
Five to ten years, amount	$ 19,372	$ 13,463
Five to ten years, yield	1.90%	1.10%
Over ten years, amount	$ 2,979	$ 3,104
Over ten years, yield	2.10%	1.50%
Equity securities, total amount	$ 146	$ 115
Fair value	$ 29,927	$ 22,681
Total yield	1.90%	1.30%
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	0.00%	0.00%
One to five years, amount	$ 2,086	$ 797
One to five years, yield	3.70%	5.00%
Five to ten years, amount	$ 6,104	$ 5,531
Five to ten years, yield	3.10%	3.20%
Over ten years, amount	$ 0	$ 2,674
Over ten years, yield	0.00%	2.50%
Total amount	$ 8,190	$ 9,002
Total yield	3.20%	3.20%
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	$ 1,995	$ 1,973
Less than one year, yield	2.60%	2.60%
One to five years, amount	$ 1,864	$ 1,963
One to five years, yield	1.60%	0.80%
Five to ten years, amount	$ 10,678	$ 1,636
Five to ten years, yield	2.00%	1.30%
Over ten years, amount	$ 0	$ 0
Over ten years, yield	0.00%	0.00%
Debt securities, total amount	$ 14,537	$ 5,572
Debt securities, total yield	2.00%	1.60%
U.S. Government Agency [Member] | Collateralized Mortgage Obligations ("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	0.00%	0.00%
One to five years, amount	$ 3,571	$ 2,063
One to five years, yield	1.80%	1.90%
Five to ten years, amount	$ 8,694	$ 11,827
Five to ten years, yield	1.70%	1.10%
Over ten years, amount	$ 2,979	$ 3,104
Over ten years, yield	2.10%	1.50%
Debt securities, total amount	$ 15,244	$ 16,994
Debt securities, total yield	1.80%	1.20%
Equity Securities: 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	0.00%	0.00%
One to five years, amount	$ 0	$ 0
One to five years, yield	0.00%	0.00%
Five to ten years, amount	$ 0	$ 0
Five to ten years, yield	0.00%	0.00%
Over ten years, amount	$ 0	$ 0
Over ten years, yield	0.00%	0.00%
Equity securities, total amount	$ 146	$ 115
Equity securities, total yield	0.00%	0.00%
U.S. Government Agency [Member] | Mortgage Backed Securities ("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	0.00%	0.00%
One to five years, amount	$ 2,086	$ 797
One to five years, yield	3.70%	5.00%
Five to ten years, amount	$ 6,104	$ 5,531
Five to ten years, yield	3.10%	3.20%
Over ten years, amount	$ 0	$ 2,674
Over ten years, yield	0.00%	2.50%
Total amount	$ 8,190	$ 9,002
Total yield	3.20%	3.20%

INVESTMENT SECURITIES, Investme

INVESTMENT SECURITIES, Investment Securities by Contractual Maturities (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Securities available-for-sale, Amortized Cost [Abstract]
Due in one year or less	$ 1,996	$ 1,995
After one year through five years	5,447	4,027
After five years through ten years	19,304	13,508
After ten years	2,995	3,135
Farmer Mac class A stock	66	66
Amortized cost	29,808	22,731
Securities available for sale, Estimated Fair Value [Abstract]
Due in one year or less	1,995	1,973
After one year through five years	5,435	4,026
After five years through ten years	19,372	13,463
After ten years	2,979	3,104
Farmer Mac class A stock	146	115
Estimated fair value	29,927	22,681
Securities held to maturity, Amortized Cost [Abstract]
Due in one year or less	0	0
After one year through five years	2,086	797
After five years through ten years	6,104	5,531
After ten years	0	2,674
Amortized cost	8,190	9,002
Securities held to maturity, Estimated Fair Value [Abstract]
Due in one year or less	0	0
After one year through five years	2,221	864
After five years through ten years	6,163	5,762
After ten years	0	2,523
Estimated fair value	$ 8,384	$ 9,149

INVESTMENT SECURITIES, Unrealiz

INVESTMENT SECURITIES, Unrealized Loss Positions (Details) $ in Thousands	Sep. 30, 2017USD ($)Security	Dec. 31, 2016USD ($)Security
Securities available-for-sale, continuous unrealized loss position [Abstract]
Less than twelve months, gross unrealized losses	$ 35	$ 64
Less than twelve months, fair value	8,452	11,866
More than twelve months, gross unrealized losses	58	83
More than twelve months, fair value	4,946	3,237
Total, gross unrealized losses	93	147
Total, fair value	13,398	15,103
Securities held-to-maturity, continuous unrealized loss position [Abstract]
Less than twelve months, gross unrealized losses	0	151
Less than twelve months, fair value	0	3,312
More than twelve months, gross unrealized losses	86	0
More than twelve months, fair value	2,538	0
Total, gross unrealized losses	86	151
Total, fair value	$ 2,538	$ 3,312
Securities in unrealized loss positions | Security	12	17
Equity Securities: 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 losses	0	0
Total, fair value	0	0
U.S. Government Agency [Member] | Notes [Member]
Securities available-for-sale, continuous unrealized loss position [Abstract]
Less than twelve months, gross unrealized losses	35	29
Less than twelve months, fair value	8,452	3,936
More than twelve months, gross unrealized losses	7	33
More than twelve months, fair value	1,384	1,636
Total, gross unrealized losses	42	62
Total, fair value	9,836	5,572
U.S. Government Agency [Member] | Collateralized Mortgage Obligations ("CMO") [Member]
Securities available-for-sale, continuous unrealized loss position [Abstract]
Less than twelve months, gross unrealized losses	0	35
Less than twelve months, fair value	0	7,930
More than twelve months, gross unrealized losses	51	50
More than twelve months, fair value	3,562	1,601
Total, gross unrealized losses	51	85
Total, fair value	3,562	9,531
U.S. Government Agency [Member] | Mortgage Backed Securities ("MBS") [Member]
Securities held-to-maturity, continuous unrealized loss position [Abstract]
Less than twelve months, gross unrealized losses	0	151
Less than twelve months, fair value	0	3,312
More than twelve months, gross unrealized losses	86	0
More than twelve months, fair value	2,538	0
Total, gross unrealized losses	86	151
Total, fair value	$ 2,538	$ 3,312

LOAN HELD FOR SALE (Details)

LOAN HELD FOR SALE (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Servicing Assets at Fair Value [Line Items]
Loans included in loans held for sale	$ 58,561	$ 61,416
SBA [Member]
Servicing Assets at Fair Value [Line Items]
Loans included in loans held for sale	22,400	26,500
Principal balance of loan serviced	11,200	14,200
US Department of Agriculture [Member]
Servicing Assets at Fair Value [Line Items]
Loans included in loans held for sale	36,200	34,900
Principal balance of loan serviced	$ 1,200	$ 1,200

LOANS HELD FOR INVESTMENT (Deta

LOANS HELD FOR INVESTMENT (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Jun. 30, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Dec. 31, 2015
Loans held for investment [Abstract]
Loans held for investment, gross	$ 664,961		$ 570,026
Allowance for loan losses	(8,312)	$ (7,994)	(7,464)	$ (7,190)	$ (7,028)	$ (6,916)
Deferred fees, net	(702)		(453)
Discount on SBA loans	(125)		(170)
Total loans held for investment, net	655,822		561,939
Manufactured Housing [Member]
Loans held for investment [Abstract]
Loans held for investment, gross	216,572		194,222
Allowance for loan losses	(2,147)	(2,124)	(2,201)	(2,207)	(2,188)	(3,525)
Commercial Real Estate [Member]
Loans held for investment [Abstract]
Loans held for investment, gross	343,771		272,142
Allowance for loan losses	(4,691)	(4,332)	(3,707)	(3,272)	(3,078)	(1,853)
Commercial [Member]
Loans held for investment [Abstract]
Loans held for investment, gross	76,250		70,369
Allowance for loan losses	(1,205)	(1,262)	(1,241)	(1,357)	(1,251)	(939)
SBA [Member]
Loans held for investment [Abstract]
Loans held for investment, gross	8,656		10,164
Allowance for loan losses	(87)	(91)	(106)	(92)	(322)	(451)
HELOC [Member]
Loans held for investment [Abstract]
Loans held for investment, gross	9,656		10,292
Allowance for loan losses	(94)	(98)	(100)	(103)	(62)	(43)
Single Family Real Estate [Member]
Loans held for investment [Abstract]
Loans held for investment, gross	10,022		12,750
Allowance for loan losses	(88)	(87)	(109)	(158)	(126)	(103)
Consumer [Member]
Loans held for investment [Abstract]
Loans held for investment, gross	34		87
Allowance for loan losses	$ 0	$ 0	$ 0	$ (1)	$ (1)	$ (2)

LOANS HELD FOR INVESTMENT, Fina

LOANS HELD FOR INVESTMENT, Financing Receivables Past Due (Details) - USD ($) $ in Thousands		Sep. 30, 2017	Dec. 31, 2016
Aging of loans held for investment [Abstract]
Current		$ 660,988	$ 566,723
Total Past Due		302	186
Nonaccrual		3,671	3,117
Total loans held for investment		664,961	570,026
Recorded Investment Over 90 Days and Accruing		0	0
30-59 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	302	165
60-89 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	21
Over 90 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
Manufactured Housing [Member]
Aging of loans held for investment [Abstract]
Current		215,854	193,258
Total Past Due		230	164
Nonaccrual		488	800
Total loans held for investment		216,572	194,222
Recorded Investment Over 90 Days and Accruing		0	0
Manufactured Housing [Member] | 30-59 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	230	164
Manufactured Housing [Member] | 60-89 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
Manufactured Housing [Member] | Over 90 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
Commercial Real Estate [Member]
Aging of loans held for investment [Abstract]
Total loans held for investment		343,771	272,142
Commercial Real Estate [Member] | Commercial Real Estate [Member]
Aging of loans held for investment [Abstract]
Current		268,400	214,248
Total Past Due		0	0
Nonaccrual		127	141
Total loans held for investment		268,527	214,389
Recorded Investment Over 90 Days and Accruing		0	0
Commercial Real Estate [Member] | Commercial Real Estate [Member] | 30-59 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
Commercial Real Estate [Member] | Commercial Real Estate [Member] | 60-89 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
Commercial Real Estate [Member] | Commercial Real Estate [Member] | Over 90 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
Commercial Real Estate [Member] | SBA 504 1st Trust Deed [Member]
Aging of loans held for investment [Abstract]
Current		27,291	23,167
Total Past Due		0	0
Nonaccrual		194	712
Total loans held for investment		27,485	23,879
Recorded Investment Over 90 Days and Accruing		0	0
Commercial Real Estate [Member] | SBA 504 1st Trust Deed [Member] | 30-59 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
Commercial Real Estate [Member] | SBA 504 1st Trust Deed [Member] | 60-89 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
Commercial Real Estate [Member] | SBA 504 1st Trust Deed [Member] | Over 90 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
Commercial Real Estate [Member] | Land [Member]
Aging of loans held for investment [Abstract]
Current		5,010	3,167
Total Past Due		0	0
Nonaccrual		0	0
Total loans held for investment		5,010	3,167
Recorded Investment Over 90 Days and Accruing		0	0
Commercial Real Estate [Member] | Land [Member] | 30-59 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
Commercial Real Estate [Member] | Land [Member] | 60-89 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
Commercial Real Estate [Member] | Land [Member] | Over 90 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
Commercial Real Estate [Member] | Construction [Member]
Aging of loans held for investment [Abstract]
Current		42,749	30,707
Total Past Due		0	0
Nonaccrual		0	0
Total loans held for investment		42,749	30,707
Recorded Investment Over 90 Days and Accruing		0	0
Commercial Real Estate [Member] | Construction [Member] | 30-59 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
Commercial Real Estate [Member] | Construction [Member] | 60-89 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
Commercial Real Estate [Member] | Construction [Member] | Over 90 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
Commercial [Member]
Aging of loans held for investment [Abstract]
Current		74,398	70,337
Total Past Due		72	1
Nonaccrual		1,780	31
Total loans held for investment		76,250	70,369
Recorded Investment Over 90 Days and Accruing		0	0
Commercial [Member] | 30-59 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	72	1
Commercial [Member] | 60-89 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
Commercial [Member] | Over 90 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
SBA [Member]
Aging of loans held for investment [Abstract]
Current		7,973	9,275
Total Past Due		0	21
Nonaccrual		683	868
Total loans held for investment		8,656	10,164
Recorded Investment Over 90 Days and Accruing		0	0
SBA [Member] | 30-59 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
SBA [Member] | 60-89 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	21
SBA [Member] | Over 90 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
HELOC [Member]
Aging of loans held for investment [Abstract]
Current		9,437	9,919
Total Past Due		0	0
Nonaccrual		219	373
Total loans held for investment		9,656	10,292
Recorded Investment Over 90 Days and Accruing		0	0
HELOC [Member] | 30-59 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
HELOC [Member] | 60-89 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
HELOC [Member] | Over 90 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
Single Family Real Estate [Member]
Aging of loans held for investment [Abstract]
Current		9,842	12,558
Total Past Due		0	0
Nonaccrual		180	192
Total loans held for investment		10,022	12,750
Recorded Investment Over 90 Days and Accruing		0	0
Single Family Real Estate [Member] | 30-59 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
Single Family Real Estate [Member] | 60-89 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
Single Family Real Estate [Member] | Over 90 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
Consumer [Member]
Aging of loans held for investment [Abstract]
Current		34	87
Total Past Due		0	0
Nonaccrual		0	0
Total loans held for investment		34	87
Recorded Investment Over 90 Days and Accruing		0	0
Consumer [Member] | 30-59 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
Consumer [Member] | 60-89 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	0	0
Consumer [Member] | Over 90 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total Past Due	[1]	$ 0	$ 0
[1]	Table reports past dues based on Call Report definitions of number of payments past due.

LOANS HELD FOR INVESTMENT, Allo

LOANS HELD FOR INVESTMENT, Allowance for Credit Losses by Portfolio Type (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016	Dec. 31, 2016
Summary of allowance for loan losses [Roll Forward]
Beginning balance	$ 7,994	$ 7,028	$ 7,464	$ 6,916
Charge-offs	(33)	(100)	(203)	(162)
Recoveries	192	240	628	600
Net (charge-offs) recoveries	159	140	425	438
Provision (credit)	159	22	423	(164)
Ending balance	8,312	7,190	8,312	7,190
Reserve for credit losses on undisbursed loans	96		96		$ 125
Manufactured Housing [Member]
Summary of allowance for loan losses [Roll Forward]
Beginning balance	2,124	2,188	2,201	3,525
Charge-offs	0	0	(119)	(41)
Recoveries	38	121	105	126
Net (charge-offs) recoveries	38	121	(14)	85
Provision (credit)	(15)	(102)	(40)	(1,403)
Ending balance	2,147	2,207	2,147	2,207
Commercial Real Estate [Member]
Summary of allowance for loan losses [Roll Forward]
Beginning balance	4,332	3,078	3,707	1,853
Charge-offs	0	0	0	0
Recoveries	0	0	227	13
Net (charge-offs) recoveries	0	0	227	13
Provision (credit)	359	194	757	1,406
Ending balance	4,691	3,272	4,691	3,272
Commercial [Member]
Summary of allowance for loan losses [Roll Forward]
Beginning balance	1,262	1,251	1,241	939
Charge-offs	0	0	0	0
Recoveries	43	40	116	120
Net (charge-offs) recoveries	43	40	116	120
Provision (credit)	(100)	66	(152)	298
Ending balance	1,205	1,357	1,205	1,357
SBA [Member]
Summary of allowance for loan losses [Roll Forward]
Beginning balance	91	322	106	451
Charge-offs	0	(100)	(30)	(121)
Recoveries	104	12	168	196
Net (charge-offs) recoveries	104	(88)	138	75
Provision (credit)	(108)	(142)	(157)	(434)
Ending balance	87	92	87	92
HELOC [Member]
Summary of allowance for loan losses [Roll Forward]
Beginning balance	98	62	100	43
Charge-offs	0	0	0	0
Recoveries	7	66	11	74
Net (charge-offs) recoveries	7	66	11	74
Provision (credit)	(11)	(25)	(17)	(14)
Ending balance	94	103	94	103
Single Family Real Estate [Member]
Summary of allowance for loan losses [Roll Forward]
Beginning balance	87	126	109	103
Charge-offs	(33)	0	(54)	0
Recoveries	0	1	1	71
Net (charge-offs) recoveries	(33)	1	(53)	71
Provision (credit)	34	31	32	(16)
Ending balance	88	158	88	158
Consumer [Member]
Summary of allowance for loan losses [Roll Forward]
Beginning balance	0	1	0	2
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Net (charge-offs) recoveries	0	0	0	0
Provision (credit)	0	0	0	(1)
Ending balance	$ 0	$ 1	$ 0	$ 1

LOANS HELD FOR INVESTMENT, Impa

LOANS HELD FOR INVESTMENT, Impaired Financing Receivables (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Recorded Investment [Abstract]
Impaired loans with an allowance recorded	$ 12,135	$ 13,080
Impaired loans with no allowance recorded	5,417	4,463
Total loans individually evaluated for impairment	17,552	17,543
Loans collectively evaluated for impairment	647,409	552,483
Total loans held for investment	664,961	570,026
Unpaid Principal Balance [Abstract]
Impaired loans with an allowance recorded	12,239	13,301
Impaired loans with no allowance recorded	7,217	6,512
Total loans individually evaluated for impairment	19,456	19,813
Loans collectively evaluated for impairment	647,409	552,483
Total loans held for investment	666,865	572,296
Related Allowance for Credit Losses [Abstract]
Impaired loans with an allowance recorded	636	759
Impaired loans with no allowance recorded	0	0
Total loans individually evaluated for impairment	636	759
Loans collectively evaluated for impairment	7,676	6,705
Total loans held for investment	8,312	7,464
Impaired loans with a specific valuation allowance under ASC 310	12,135	13,080
Impaired loans without a specific valuation allowance under ASC 310	5,417	4,463
Total impaired loans	17,552	17,543
Valuation allowance related to impaired loans	636	759
Loans Guaranteed by Government Agencies [Member]
Related Allowance for Credit Losses [Abstract]
Total impaired loans	2,100	1,000
Manufactured Housing [Member]
Recorded Investment [Abstract]
Impaired loans with an allowance recorded	6,195	6,065
Impaired loans with no allowance recorded	2,263	2,846
Total loans individually evaluated for impairment	8,458	8,911
Loans collectively evaluated for impairment	208,114	185,311
Total loans held for investment	216,572	194,222
Unpaid Principal Balance [Abstract]
Impaired loans with an allowance recorded	6,201	6,133
Impaired loans with no allowance recorded	3,666	4,369
Total loans individually evaluated for impairment	9,867	10,502
Loans collectively evaluated for impairment	208,114	185,311
Total loans held for investment	217,981	195,813
Related Allowance for Credit Losses [Abstract]
Impaired loans with an allowance recorded	457	548
Impaired loans with no allowance recorded	0	0
Total loans individually evaluated for impairment	457	548
Loans collectively evaluated for impairment	1,690	1,653
Total loans held for investment	2,147	2,201
Impaired loans with a specific valuation allowance under ASC 310	6,195	6,065
Impaired loans without a specific valuation allowance under ASC 310	2,263	2,846
Total impaired loans	8,458	8,911
Valuation allowance related to impaired loans	457	548
Commercial Real Estate [Member]
Recorded Investment [Abstract]
Impaired loans with an allowance recorded	574	1,112
Impaired loans with no allowance recorded	0	0
Total loans individually evaluated for impairment	574	1,112
Loans collectively evaluated for impairment	343,197	271,030
Total loans held for investment	343,771	272,142
Unpaid Principal Balance [Abstract]
Impaired loans with an allowance recorded	672	1,253
Impaired loans with no allowance recorded	0	0
Total loans individually evaluated for impairment	672	1,253
Loans collectively evaluated for impairment	343,197	271,030
Total loans held for investment	343,869	272,283
Related Allowance for Credit Losses [Abstract]
Impaired loans with an allowance recorded	12	17
Impaired loans with no allowance recorded	0	0
Total loans individually evaluated for impairment	12	17
Loans collectively evaluated for impairment	4,679	3,690
Total loans held for investment	4,691	3,707
Impaired loans with a specific valuation allowance under ASC 310	574	1,112
Impaired loans without a specific valuation allowance under ASC 310	0	0
Valuation allowance related to impaired loans	12	17
Commercial [Member]
Recorded Investment [Abstract]
Impaired loans with an allowance recorded	3,357	3,749
Impaired loans with no allowance recorded	2,027	31
Total loans individually evaluated for impairment	5,384	3,780
Loans collectively evaluated for impairment	70,866	66,589
Total loans held for investment	76,250	70,369
Unpaid Principal Balance [Abstract]
Impaired loans with an allowance recorded	3,357	3,749
Impaired loans with no allowance recorded	2,035	31
Total loans individually evaluated for impairment	5,392	3,780
Loans collectively evaluated for impairment	70,866	66,589
Total loans held for investment	76,258	70,369
Related Allowance for Credit Losses [Abstract]
Impaired loans with an allowance recorded	140	165
Impaired loans with no allowance recorded	0	0
Total loans individually evaluated for impairment	140	165
Loans collectively evaluated for impairment	1,065	1,076
Total loans held for investment	1,205	1,241
Impaired loans with a specific valuation allowance under ASC 310	3,357	3,749
Impaired loans without a specific valuation allowance under ASC 310	2,027	31
Total impaired loans	5,384	3,780
Valuation allowance related to impaired loans	140	165
SBA [Member]
Recorded Investment [Abstract]
Impaired loans with an allowance recorded	0	70
Impaired loans with no allowance recorded	728	1,067
Total loans individually evaluated for impairment	728	1,137
Loans collectively evaluated for impairment	7,928	9,027
Total loans held for investment	8,656	10,164
Unpaid Principal Balance [Abstract]
Impaired loans with an allowance recorded	0	70
Impaired loans with no allowance recorded	1,046	1,538
Total loans individually evaluated for impairment	1,046	1,608
Loans collectively evaluated for impairment	7,928	9,027
Total loans held for investment	8,974	10,635
Related Allowance for Credit Losses [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	87	106
Total loans held for investment	87	106
Impaired loans with a specific valuation allowance under ASC 310	0	70
Impaired loans without a specific valuation allowance under ASC 310	728	1,067
Total impaired loans	728	1,137
Valuation allowance related to impaired loans	0	0
HELOC [Member]
Recorded Investment [Abstract]
Impaired loans with an allowance recorded	0	45
Impaired loans with no allowance recorded	219	328
Total loans individually evaluated for impairment	219	373
Loans collectively evaluated for impairment	9,437	9,919
Total loans held for investment	9,656	10,292
Unpaid Principal Balance [Abstract]
Impaired loans with an allowance recorded	0	57
Impaired loans with no allowance recorded	249	348
Total loans individually evaluated for impairment	249	405
Loans collectively evaluated for impairment	9,437	9,919
Total loans held for investment	9,686	10,324
Related Allowance for Credit Losses [Abstract]
Impaired loans with an allowance recorded	0	1
Impaired loans with no allowance recorded	0	0
Total loans individually evaluated for impairment	0	1
Loans collectively evaluated for impairment	94	99
Total loans held for investment	94	100
Impaired loans with a specific valuation allowance under ASC 310	0	45
Impaired loans without a specific valuation allowance under ASC 310	219	328
Total impaired loans	219	373
Valuation allowance related to impaired loans	0	1
Single Family Real Estate [Member]
Recorded Investment [Abstract]
Impaired loans with an allowance recorded	2,009	2,039
Impaired loans with no allowance recorded	180	191
Total loans individually evaluated for impairment	2,189	2,230
Loans collectively evaluated for impairment	7,833	10,520
Total loans held for investment	10,022	12,750
Unpaid Principal Balance [Abstract]
Impaired loans with an allowance recorded	2,009	2,039
Impaired loans with no allowance recorded	221	226
Total loans individually evaluated for impairment	2,230	2,265
Loans collectively evaluated for impairment	7,833	10,520
Total loans held for investment	10,063	12,785
Related Allowance for Credit Losses [Abstract]
Impaired loans with an allowance recorded	27	28
Impaired loans with no allowance recorded	0	0
Total loans individually evaluated for impairment	27	28
Loans collectively evaluated for impairment	61	81
Total loans held for investment	88	109
Impaired loans with a specific valuation allowance under ASC 310	2,009	2,039
Impaired loans without a specific valuation allowance under ASC 310	180	191
Total impaired loans	2,189	2,230
Valuation allowance related to impaired loans	27	28
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	34	87
Total loans held for investment	34	87
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	34	87
Total loans held for investment	34	87
Related Allowance for Credit Losses [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	0	0
Total loans held for investment	0	0
Impaired loans with a specific valuation allowance under ASC 310	0	0
Impaired loans without a specific valuation allowance under ASC 310	0	0
Valuation allowance related to impaired loans	$ 0	$ 0

LOANS HELD FOR INVESTMENT, Im35

LOANS HELD FOR INVESTMENT, Impaired Loans by Class of Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Impaired financing receivable recorded investment net [Abstract]
Impaired loans	$ 17,552	$ 17,543
Manufactured Housing [Member]
Impaired financing receivable recorded investment net [Abstract]
Impaired loans	8,458	8,911
Commercial Real Estate [Member] | Commercial Real Estate [Member]
Impaired financing receivable recorded investment net [Abstract]
Impaired loans	127	142
Commercial Real Estate [Member] | SBA 504 1st Trust Deed [Member]
Impaired financing receivable recorded investment net [Abstract]
Impaired loans	447	970
Commercial Real Estate [Member] | Land [Member]
Impaired financing receivable recorded investment net [Abstract]
Impaired loans	0	0
Commercial Real Estate [Member] | Construction [Member]
Impaired financing receivable recorded investment net [Abstract]
Impaired loans	0	0
Commercial [Member]
Impaired financing receivable recorded investment net [Abstract]
Impaired loans	5,384	3,780
SBA [Member]
Impaired financing receivable recorded investment net [Abstract]
Impaired loans	728	1,137
HELOC [Member]
Impaired financing receivable recorded investment net [Abstract]
Impaired loans	219	373
Single Family Real Estate [Member]
Impaired financing receivable recorded investment net [Abstract]
Impaired loans	$ 2,189	$ 2,230

LOANS HELD FOR INVESTMENT, Aver

LOANS HELD FOR INVESTMENT, Average Investment in Impaired Loans by Class (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
Average recorded investment and interest income recognized [Abstract]
Average Investment in Impaired Loans	$ 15,621	$ 17,220	$ 15,779	$ 17,453
Interest Income	260	295	737	870
Manufactured Housing [Member]
Average recorded investment and interest income recognized [Abstract]
Average Investment in Impaired Loans	7,483	8,306	7,634	8,482
Interest Income	174	174	488	499
Commercial Real Estate [Member] | Commercial Real Estate [Member]
Average recorded investment and interest income recognized [Abstract]
Average Investment in Impaired Loans	120	510	123	682
Interest Income	1	0	1	3
Commercial Real Estate [Member] | SBA 504 1st Trust Deed [Member]
Average recorded investment and interest income recognized [Abstract]
Average Investment in Impaired Loans	402	1,148	523	1,625
Interest Income	5	5	15	33
Commercial Real Estate [Member] | Land [Member]
Average recorded investment and interest income recognized [Abstract]
Average Investment in Impaired Loans	0	0	0	0
Interest Income	0	0	0	0
Commercial Real Estate [Member] | Construction [Member]
Average recorded investment and interest income recognized [Abstract]
Average Investment in Impaired Loans	0	0	0	0
Interest Income	0	0	0	0
Commercial [Member]
Average recorded investment and interest income recognized [Abstract]
Average Investment in Impaired Loans	4,789	3,346	4,486	3,190
Interest Income	54	49	155	148
SBA [Member]
Average recorded investment and interest income recognized [Abstract]
Average Investment in Impaired Loans	662	1,266	767	891
Interest Income	1	41	3	97
HELOC [Member]
Average recorded investment and interest income recognized [Abstract]
Average Investment in Impaired Loans	214	510	273	410
Interest Income	0	0	0	7
Single Family Real Estate [Member]
Average recorded investment and interest income recognized [Abstract]
Average Investment in Impaired Loans	1,951	2,134	1,973	2,173
Interest Income	25	26	75	83
Consumer [Member]
Average recorded investment and interest income recognized [Abstract]
Average Investment in Impaired Loans	0	0	0	0
Interest Income	$ 0	$ 0	$ 0	$ 0

LOANS HELD FOR INVESTMENT, Reco

LOANS HELD FOR INVESTMENT, Recorded Investment in Certain Types of Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016	Dec. 31, 2016
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	$ 3,671		$ 3,671		$ 3,117
Troubled debt restructured loans, gross	13,784		13,784		14,437
Loans 30 through 89 days past due with interest accruing	302		302		0
Loans 90 days or more past due with interest accruing	$ 0		$ 0		$ 0
Allowance for loan losses to gross loans held for investment	1.25%		1.25%		1.31%
Period past due after which accrual of interest is discontinued			90 days
Foregone interest on nonaccrual and troubled debt restructured loans	$ 100	$ 100	$ 300	$ 300
Government Guarantee [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	1,834		1,834		$ 742
SBA [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	683		683		868
Loans 90 days or more past due with interest accruing	$ 0		$ 0		$ 0

LOANS HELD FOR INVESTMENT, Nona

LOANS HELD FOR INVESTMENT, Nonaccrual Loans, Net of SBA Guarantee (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2017	Dec. 31, 2016
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]
Nonaccrual loans	$ 3,671	$ 3,117
Period past due after which guaranteed portion of SBA loan is repurchased from investors	120 days
Loans Guaranteed by Government Agencies [Member]
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]
Nonaccrual loans	$ 1,834	742
Manufactured Housing [Member]
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]
Nonaccrual loans	488	800
Commercial Real Estate [Member] | Commercial Real Estate [Member]
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]
Nonaccrual loans	127	141
Commercial Real Estate [Member] | SBA 504 1st Trust Deed [Member]
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]
Nonaccrual loans	194	712
Commercial Real Estate [Member] | Land [Member]
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]
Nonaccrual loans	0	0
Commercial Real Estate [Member] | Construction [Member]
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]
Nonaccrual loans	0	0
Commercial [Member]
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]
Nonaccrual loans	1,780	31
SBA [Member]
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]
Nonaccrual loans	683	868
HELOC [Member]
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]
Nonaccrual loans	219	373
Single Family Real Estate [Member]
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]
Nonaccrual loans	180	192
Consumer [Member]
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]
Nonaccrual loans	$ 0	$ 0

LOANS HELD FOR INVESTMENT, Cred

LOANS HELD FOR INVESTMENT, Credit Quality Indicators (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	$ 662,020	$ 568,656
Total loans held for investment	664,961	570,026
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	650,549	554,191
Total loans held for investment	650,549	554,191
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	4,208	9,364
Total loans held for investment	4,208	9,364
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	7,263	5,101
Total loans held for investment	10,204	6,471
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	0	0
Total loans held for investment	0	0
Government Guarantee [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	2,941	1,370
Government Guarantee [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	0
Government Guarantee [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	0
Government Guarantee [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	2,941	1,370
Government Guarantee [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	0
Manufactured Housing [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	216,572	194,222
Total loans held for investment	216,572	194,222
Manufactured Housing [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	214,559	191,784
Manufactured Housing [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	0	0
Manufactured Housing [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	2,013	2,438
Manufactured Housing [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	0	0
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	343,771	272,142
Commercial Real Estate [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	268,526	214,389
Total loans held for investment	268,527	214,389
Commercial Real Estate [Member] | Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	268,399	212,259
Commercial Real Estate [Member] | Commercial Real Estate [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	0	1,988
Commercial Real Estate [Member] | Commercial Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	127	142
Commercial Real Estate [Member] | Commercial Real Estate [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	0	0
Commercial Real Estate [Member] | SBA 504 1st Trust Deed [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	27,485	23,879
Total loans held for investment	27,485	23,879
Commercial Real Estate [Member] | SBA 504 1st Trust Deed [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	26,798	22,664
Commercial Real Estate [Member] | SBA 504 1st Trust Deed [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	0	0
Commercial Real Estate [Member] | SBA 504 1st Trust Deed [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	687	1,215
Commercial Real Estate [Member] | SBA 504 1st Trust Deed [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	0	0
Commercial Real Estate [Member] | Land [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	5,010	3,167
Total loans held for investment	5,010	3,167
Commercial Real Estate [Member] | Land [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	5,010	3,167
Commercial Real Estate [Member] | Land [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	0	0
Commercial Real Estate [Member] | Land [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	0	0
Commercial Real Estate [Member] | Land [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	0	0
Commercial Real Estate [Member] | Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	42,750	30,707
Total loans held for investment	42,749	30,707
Commercial Real Estate [Member] | Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	39,535	30,707
Commercial Real Estate [Member] | Construction [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	3,215	0
Commercial Real Estate [Member] | Construction [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	0	0
Commercial Real Estate [Member] | Construction [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	0	0
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	74,689	70,369
Total loans held for investment	76,250	70,369
Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	70,181	63,002
Commercial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	889	7,268
Commercial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	3,619	99
Commercial [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	0	0
SBA [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	7,276	8,794
Total loans held for investment	8,656	10,164
SBA [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	6,759	8,297
SBA [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	104	108
SBA [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	413	389
SBA [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	0	0
HELOC [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	9,656	10,292
Total loans held for investment	9,656	10,292
HELOC [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	9,437	9,671
HELOC [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	0	0
HELOC [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	219	621
HELOC [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	0	0
Single Family Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	10,022	12,750
Total loans held for investment	10,022	12,750
Single Family Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	9,837	12,553
Single Family Real Estate [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	0	0
Single Family Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	185	197
Single Family Real Estate [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	0	0
Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	34	87
Total loans held for investment	34	87
Consumer [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	34	87
Consumer [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	0	0
Consumer [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	0	0
Consumer [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	$ 0	$ 0

LOANS HELD FOR INVESTMENT, Trou

LOANS HELD FOR INVESTMENT, Troubled Debt Restructuring (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2017USD ($)Loan	Sep. 30, 2016USD ($)Loan	Sep. 30, 2017USD ($)LoanNonpayment	Sep. 30, 2016USD ($)Loan
Financing Receivable, Modifications [Line Items]
Number of loans | Loan	3	10	12	26
Pre-modification recorded investment	$ 377	$ 735	$ 926	$ 2,791
Post modification recorded investment	377	735	926	2,791
Effect on allowance for loan losses	$ 24	$ 40	$ 48	$ 112
Average rate concessions	1.00%	1.00%	0.97%	0.81%
Average extension	126 months	179 months	138 months	152 months
Number of consecutive non-payments for a TDR loan to be deemed default | Nonpayment			2
Trouble debt restructurings with payment defaults	$ 0	$ 0	$ 0	$ 0
Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Post modification recorded investment	363	735	807	1,724
Term Extension [Member]
Financing Receivable, Modifications [Line Items]
Post modification recorded investment	$ 377	$ 735	$ 926	$ 2,791
Manufactured Housing [Member]
Financing Receivable, Modifications [Line Items]
Number of loans | Loan	2	10	9	20
Pre-modification recorded investment	$ 363	$ 735	$ 807	$ 1,619
Post modification recorded investment	363	735	807	1,619
Effect on allowance for loan losses	24	40	45	98
Manufactured Housing [Member] | Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Post modification recorded investment	363	735	807	1,619
Manufactured Housing [Member] | Term Extension [Member]
Financing Receivable, Modifications [Line Items]
Post modification recorded investment	$ 363	735	$ 807	$ 1,619
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Number of loans | Loan	1		2	3
Pre-modification recorded investment	$ 14		$ 102	$ 718
Post modification recorded investment	14		102	718
Effect on allowance for loan losses	0	$ 7	2
Commercial [Member] | Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Post modification recorded investment	0		0	0
Commercial [Member] | Term Extension [Member]
Financing Receivable, Modifications [Line Items]
Post modification recorded investment	$ 14		$ 102	$ 718
SBA [Member]
Financing Receivable, Modifications [Line Items]
Number of loans | Loan			1	1
Pre-modification recorded investment			$ 17	$ 92
Post modification recorded investment			17	92
Effect on allowance for loan losses			1	0
SBA [Member] | Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Post modification recorded investment			0	0
SBA [Member] | Term Extension [Member]
Financing Receivable, Modifications [Line Items]
Post modification recorded investment			$ 17	$ 92
HELOC [Member]
Financing Receivable, Modifications [Line Items]
Number of loans | Loan				1
Pre-modification recorded investment				$ 257
Post modification recorded investment				257
Effect on allowance for loan losses				0
HELOC [Member] | Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Post modification recorded investment				0
HELOC [Member] | Term Extension [Member]
Financing Receivable, Modifications [Line Items]
Post modification recorded investment				$ 257
Single Family Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of loans | Loan				1
Pre-modification recorded investment				$ 105
Post modification recorded investment				105
Effect on allowance for loan losses				7
Single Family Real Estate [Member] | Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Post modification recorded investment				105
Single Family Real Estate [Member] | Term Extension [Member]
Financing Receivable, Modifications [Line Items]
Post modification recorded investment				$ 105

OTHER ASSETS ACQUIRED THROUGH41

OTHER ASSETS ACQUIRED THROUGH FORECLOSURE (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
OTHER ASSETS ACQUIRED THROUGH FORECLOSURE [Abstract]
Balance, beginning of period	$ 362	$ 129	$ 137	$ 198
Additions	132	48	502	213
Proceeds from dispositions	(60)	(115)	(303)	(342)
Gains (loss) on sales, net	52	(7)	150	(14)
Balance, end of period	$ 486	$ 55	$ 486	$ 55

FAIR VALUE MEASUREMENT, Fair Va

FAIR VALUE MEASUREMENT, Fair Value of Assets Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Assets [Abstract]
Investment securities available-for-sale	$ 29,927	$ 22,681
Recurring [Member]
Assets [Abstract]
Investment securities available-for-sale	29,927	22,681
Interest only strips	96	119
Servicing assets	118	158
Total	30,141	22,958
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Investment securities available-for-sale	146	115
Interest only strips	0	0
Servicing assets	0	0
Total	146	115
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Investment securities available-for-sale	29,781	22,566
Interest only strips	0	0
Servicing assets	0	0
Total	29,781	22,566
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Investment securities available-for-sale	0	0
Interest only strips	96	119
Servicing assets	118	158
Total	$ 214	$ 277

FAIR VALUE MEASUREMENT, Assets

FAIR VALUE MEASUREMENT, Assets Measured on Non-recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Jun. 30, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Dec. 31, 2015
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]
Impaired loans	$ 17,552		$ 17,543
Foreclosed real estate and repossessed assets	486	$ 362	137	$ 55	$ 129	$ 198
Loans held-for-sale at carrying value	58,561		61,416
Non-recurring [Member]
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]
Impaired loans	3,381		2,008
Foreclosed real estate and repossessed assets	486		137
Total	3,867		2,145
Non-recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]
Impaired loans	0		0
Foreclosed real estate and repossessed assets	0		0
Total	0		0
Non-recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]
Impaired loans	3,381		2,008
Foreclosed real estate and repossessed assets	486		137
Total	3,867		2,145
Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]
Impaired loans	0		0
Foreclosed real estate and repossessed assets	0		0
Total	$ 0		$ 0

FAIR VALUE MEASUREMENT, Fair 44

FAIR VALUE MEASUREMENT, Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Carrying Amount [Member]
Financial assets [Abstract]
Cash and cash equivalents	$ 51,571	$ 34,116
FRB and FHLB stock	3,720	3,443
Investment securities	38,117	31,683
Loans, net	714,383	623,355
Financial liabilities [Abstract]
Deposits	697,154	612,236
Other borrowings	55,843	29,000
Fair Value [Member]
Financial assets [Abstract]
Cash and cash equivalents	51,571	34,116
FRB and FHLB stock	3,720	3,443
Investment securities	38,311	31,830
Loans, net	710,271	614,694
Financial liabilities [Abstract]
Deposits	670,435	612,215
Other borrowings	55,842	28,999
Fair Value [Member] | Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	51,571	34,116
FRB and FHLB stock	0	0
Investment securities	146	115
Loans, net	0	0
Financial liabilities [Abstract]
Deposits	0	0
Other borrowings	0	0
Fair Value [Member] | Level 2 [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
FRB and FHLB stock	3,720	3,443
Investment securities	38,165	31,715
Loans, net	700,025	599,919
Financial liabilities [Abstract]
Deposits	670,435	612,215
Other borrowings	55,842	28,999
Fair Value [Member] | Level 3 [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
FRB and FHLB stock	0	0
Investment securities	0	0
Loans, net	10,246	14,775
Financial liabilities [Abstract]
Deposits	0	0
Other borrowings	0	0
Standby Letters of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet risks outstanding	0	0
Unfunded Loan Commitments [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet risks outstanding	$ 70,300	$ 82,900

OTHER BORROWINGS (Details)

OTHER BORROWINGS (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016	Jul. 31, 2017	Dec. 31, 2016
Financial Home Loan Bank Advances [Abstract]
FHLB advances	$ 52,000		$ 52,000			$ 25,000
Letter of credit with FHLB	125,000		125,000
Securities pledged to FHLB	38,000		38,000			31,700
Loans pledged to FHLB	212,600		212,600			161,300
Available for additional borrowing	61,200		61,200			56,800
Total FHLB interest expense	77	$ 7	175	$ 21
Federal Funds Purchased Lines [Abstract]
Federal funds borrowing lines at correspondent banks	20,000		20,000
Federal funds amount outstanding	0		$ 0			0
Federal Reserve Bank Advances [Member]
Line of Credit [Abstract]
Period for advances to be collateralized			28 days
Available borrowing capacity	101,600		$ 101,600			95,100
Outstanding balance	0		$ 0			$ 0
Line of Credit [Member]
Line of Credit [Abstract]
Term of agreement			1 year
Maximum borrowing capacity					$ 15,000
Percentage of compensating deposit with the lender			25.00%
Compensating deposit	$ 1,000		$ 1,000
Minimum debt service coverage ratio	1.65		1.65
Minimum Tier 1 leverage ratio	7.00%		7.00%
Minimum total risk-based capital ratio	10.00%		10.00%
Outstanding balance	$ 3,800		$ 3,800
Interest rate	4.98%		4.98%

STOCKHOLDERS' EQUITY, Changes i

STOCKHOLDERS' EQUITY, Changes in Other Comprehensive Income (Loss) by Component (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
Changes in other comprehensive income (loss) by component, net of tax [Roll Forward]
Balance			$ 65,336
Net other comprehensive income (loss)	$ (17)	$ (46)	99	$ 55
Balance	69,766		69,766
Unrealized Holding Gains (Losses) on AFS [Member]
Changes in other comprehensive income (loss) by component, net of tax [Roll Forward]
Balance	87	33	(29)	(68)
Other comprehensive income before reclassifications	(17)	(46)	99	55
Amounts reclassified from accumulated other comprehensive income	0	0	0	0
Net other comprehensive income (loss)	(17)	(46)	99	55
Balance	$ 70	$ (13)	$ 70	$ (13)

STOCKHOLDERS' EQUITY, Common St

STOCKHOLDERS' EQUITY, Common Stock Warrants and Common Stock (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
Class of Stock [Line Items]
Common stock dividend paid			$ 936	$ 813
Common Stock Warrant [Member]
Class of Warrant or Right [Line Items]
Number of shares that can be issued against warrants (in shares)	521,158		521,158
Exercise price of warrants (in dollars per share)	$ 4.49		$ 4.49
Expiration date of warrants			Dec. 19, 2018
Common Stock [Member]
Class of Stock [Line Items]
Common stock dividend paid	$ 300	$ 300	$ 900	$ 800
Common Stock [Member] | Stock Repurchase Program [Member]
Class of Stock [Line Items]
Amount of common stock repurchase program authorized	$ 3,000		$ 3,000
Common stock shares repurchased to date (in shares)	187,569		187,569
Common stock shares repurchased to date, value	$ 1,400		$ 1,400
Common stock shares repurchased to date, average price (in dollars per share)			$ 7.25
Common stock shares repurchased during the period (in shares)	0		0
Common Stock [Member] | Stock Repurchase Program [Member] | Maximum [Member]
Class of Stock [Line Items]
Period in which common stock repurchase program is expected to be executed			2 years

CAPITAL REQUIREMENT (Details)

CAPITAL REQUIREMENT (Details)	Sep. 30, 2017	Dec. 31, 2016
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total capital ratio, minimum capital ratios	8.00%	8.00%
Total capital ratio, well-capitalized ratios	10.00%	10.00%
Total capital ratio, minimum capital requirements including fully-phased in capital conservation buffer (2019)	10.50%	10.50%
Tier 1 risk-based capital ratio, minimum capital ratios	6.00%	6.00%
Tier 1 risk-based capital ratio, well-capitalized ratios	8.00%	8.00%
Tier 1 risk-based capital ratio, minimum capital requirements including fully-phased in capital conservation buffer (2019)	8.50%	8.50%
Common Equity Tier 1 ratio, minimum capital ratios	4.50%	4.50%
Common Equity Tier 1 ratio, well-capitalized ratios	6.50%	6.50%
Common Equity Tier 1 ratio, minimum capital requirements including fully-phased in capital conservation buffer (2019)	7.00%	7.00%
Tier 1 leverage ratio, minimum capital ratios	4.00%	4.00%
Tier 1 leverage ratio, well-capitalized ratios	5.00%	5.00%
CWB [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total capital ratio	11.48%	12.27%
Tier 1 risk-based capital ratio	10.26%	11.04%
Common Equity Tier 1 ratio	10.26%	11.04%
Tier 1 leverage ratio	8.90%	10.08%