Community West Bancshares (CWBC) 10-K 2 Mar 18 2017 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2017	Feb. 23, 2018	Jun. 30, 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 Public Float			$ 49,406,928
Entity Common Stock, Shares Outstanding		8,214,564
Document Fiscal Year Focus	2,017
Document Fiscal Period Focus	FY
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2017

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Assets:
Cash and due from banks	$ 3,639	$ 2,385
Federal funds sold	12	16
Interest-earning demand in other financial institutions	42,218	31,715
Cash and cash equivalents	45,869	34,116
Investment securities - available-for-sale, at fair value; amortized cost of $28,742 at December 31, 2017 and $22,731 at December 31, 2016	28,783	22,681
Investment securities - held-to-maturity, at amortized cost; fair value of $7,671 at December 31, 2017 and $9,149 at December 31, 2016	7,565	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	55,094	61,416
Held for investment, net of allowance for loan losses of $8,420 at December 31, 2017 and $7,464 at December 31, 2016	671,095	561,939
Total loans	726,189	623,355
Other assets acquired through foreclosure, net	372	137
Premises and equipment, net	5,581	3,931
Other assets	15,236	13,907
Total assets	833,315	710,572
Deposits:
Non-interest-bearing demand	108,500	100,372
Interest-bearing demand	256,717	253,023
Savings	14,085	14,007
Certificates of deposit ($250,000 or more)	81,985	77,509
Other certificates of deposit	238,397	167,325
Total deposits	699,684	612,236
Other borrowings	56,843	29,000
Other liabilities	6,718	4,000
Total liabilities	763,245	645,236
Stockholders equity:
Common stock - no par value, 60,000,000 shares authorized; 8,193,339 shares issued and outstanding at December 31, 2017 and 8,096,039 at December 31, 2016	42,604	41,575
Retained earnings	27,441	23,790
Accumulated other comprehensive income (loss)	25	(29)
Total stockholders' equity	70,070	65,336
Total liabilities and stockholders' equity	$ 833,315	$ 710,572

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Assets:
Investment securities available-for-sale, amortized cost	$ 28,742	$ 22,731
Investment securities held-to-maturity, fair value	7,671	9,149
Loans:
Held for investment, allowance for loan losses	$ 8,420	$ 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)	8,193,339	8,096,039
Common stock, shares outstanding (in shares)	8,193,339	8,096,039

CONSOLIDATED INCOME STATEMENTS

CONSOLIDATED INCOME STATEMENTS - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Interest income:
Loans, including fees	$ 36,192	$ 31,097	$ 29,139
Investment securities and other	1,199	1,119	1,083
Total interest income	37,391	32,216	30,222
Interest expense:
Deposits	4,283	2,851	2,383
Other borrowings	446	276	133
Total interest expense	4,729	3,127	2,516
Net interest income	32,662	29,089	27,706
Provision (credit) for loan losses	411	(48)	(2,274)
Net interest income after provision for loan losses	32,251	29,137	29,980
Non-interest income:
Other loan fees	1,300	1,042	1,014
Document processing fees	558	496	466
Service charges	458	403	372
Gains from loan sales, net	53	0	132
Other	581	312	325
Total non-interest income	2,950	2,253	2,309
Non-interest expenses:
Salaries and employee benefits	15,339	14,383	12,904
Occupancy, net	2,862	2,264	1,943
Professional services	1,069	873	993
Advertising and marketing	750	616	466
Data processing	725	793	533
Depreciation	685	678	399
FDIC assessment	664	376	342
Stock based compensation	537	338	412
Loan servicing and collection	253	209	395
Loan litigation settlement, net	0	0	7,095
Other	1,854	2,018	1,799
Total non-interest expenses	24,738	22,548	27,281
Income before provision for income taxes	10,463	8,842	5,008
Provision for income taxes	5,548	3,613	2,138
Net income	4,915	5,229	2,870
Dividends and accretion on preferred stock	0	0	445
Discount on partial redemption of preferred stock	0	0	(129)
Net income available to common stockholders	$ 4,915	$ 5,229	$ 2,554
Earnings per share:
Basic (in dollars per share)	$ 0.60	$ 0.64	$ 0.31
Diluted (in dollars per share)	$ 0.57	$ 0.62	$ 0.30
Weighted average number of common shares outstanding:
Basic (in shares)	8,146	8,114	8,203
Diluted (in shares)	8,589	8,444	8,491
Dividends declared per common share (in dollars per share)	$ 0.16	$ 0.14	$ 0.11

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME [Abstract]
Net income	$ 4,915	$ 5,229	$ 2,870
Other comprehensive income (loss), net:
Unrealized income (loss) on securities available-for-sale (AFS), net (tax effect of ($32), ($28), $69 for each respective period presented)	54	39	(99)
Net other comprehensive income (loss)	54	39	(99)
Comprehensive income	$ 4,969	$ 5,268	$ 2,771

CONSOLIDATED STATEMENTS OF COM6

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Other comprehensive income (loss), net:
Unrealized income (loss) on securities available-for-sale (AFS), tax effect	$ (32)	$ (28)	$ 69

CONSOLIDATED STATEMENTS OF STOC

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Preferred Stock [Member]	Common Stock [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Retained Earnings [Member]	Total
Balance at Dec. 31, 2014	$ 7,014	$ 41,957	$ 31	$ 18,005	$ 67,007
Balances (in shares) at Dec. 31, 2014	7,000	8,203,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				2,870	2,870
Exercise of stock options		$ 14			14
Exercise of stock options (in shares)		7,000
Stock based compensation		$ 412			412
Stock based compensation (in shares)		0
Preferred stock redemption and discount	$ (7,014)			129	(6,885)
Preferred stock redemption and discount (in shares)	(7,000)
Common stock repurchase		$ (28)			(28)
Common stock repurchase (in shares)		(4,000)
Dividends on preferred stock				(445)	(445)
Dividends on common stock				(902)	(902)
Other comprehensive income (loss), net			(99)		(99)
Balance at Dec. 31, 2015		$ 42,355	(68)	19,657	61,944
Balances (in shares) at Dec. 31, 2015		8,206,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				5,229	5,229
Exercise of stock options		$ 220			220
Exercise of stock options (in shares)		74,000
Stock based compensation		$ 338			338
Stock based compensation (in shares)		0
Common stock repurchase		$ (1,338)			(1,338)
Common stock repurchase (in shares)		(184,000)
Dividends on common stock				(1,096)	(1,096)
Other comprehensive income (loss), net			39		39
Balance at Dec. 31, 2016		$ 41,575	(29)	23,790	$ 65,336
Balances (in shares) at Dec. 31, 2016		8,096,000			8,096,039
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				4,915	$ 4,915
Exercise of stock options		$ 492			492
Exercise of stock options (in shares)		97,000
Stock based compensation		$ 537			537
Stock based compensation (in shares)		0
Dividends on common stock				(1,264)	(1,264)
Other comprehensive income (loss), net			54		54
Balance at Dec. 31, 2017		$ 42,604	$ 25	$ 27,441	$ 70,070
Balances (in shares) at Dec. 31, 2017		8,193,000			8,193,339

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Cash flows from operating activities:
Net income	$ 4,915	$ 5,229	$ 2,870
Adjustments to reconcile net income to cash provided by operating activities:
Provision (credit) for loan losses	411	(48)	(2,274)
Depreciation	685	678	399
Stock-based compensation	537	338	412
Deferred income taxes	528	(409)	(21)
Net (accretion) amortization of discounts and premiums for investment securities	80	(82)	(12)
(Gains) losses on:
Sale of repossessed assets, net	(150)	16	10
Sale of loans, net	(53)	0	(132)
Sale of assets, net	0	0	32
Loans originated for sale and principal collections, net	6,375	3,072	2,403
Changes in:
Other assets	(1,882)	(551)	1,986
Other liabilities	2,719	(431)	1,283
Servicing assets, net	78	58	56
Net cash provided by operating activities	14,243	7,870	7,012
Cash flows from investing activities:
Principal pay downs and maturities of available-for-sale securities	3,256	10,730	9,981
Purchase of available-for-sale securities	(9,413)	(9,810)	(11,370)
Principal pay downs and maturities of held-to-maturity securities	1,413	709	1,407
Purchases of held-to-maturity securities	0	(2,697)	0
Loan originations and principal collections, net	(110,069)	(90,183)	(49,896)
Purchase of bank owned life insurance	0	(900)	0
Purchase of restricted stock, net	(277)	(184)	(170)
Net increase in interest-bearing deposits in other financial institutions	0	99	0
Purchase of premises and equipment, net	(2,335)	(1,616)	(371)
Proceeds from sale of other real estate owned and repossessed assets, net	416	395	538
Net cash used in investing activities	(117,009)	(93,457)	(49,881)
Cash flows from financing activities:
Net increase in deposits	87,448	67,898	67,254
Net increase in borrowings	27,843	18,500	500
Exercise of stock options	492	220	14
Cash dividends paid on common stock	(1,264)	(1,096)	(902)
Common stock repurchase	0	(1,338)	(28)
Redemption of preferred stock	0	0	(6,885)
Cash dividends paid on preferred stock	0	0	(524)
Net cash provided by financing activities	114,519	84,184	59,429
Net increase (decrease) in cash and cash equivalents	11,753	(1,403)	16,560
Cash and cash equivalents at beginning of year	34,116	35,519	18,959
Cash and cash equivalents at end of year	45,869	34,116	35,519
Cash paid during the period for:
Interest	4,357	3,072	2,436
Income taxes	4,830	5,250	675
Non-cash investing and financing activity:
Transfers to other assets acquired through foreclosure, net	$ 501	$ 350	$ 609

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 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”). These entities are collectively referred to herein as the “Company”. Basis of Presentation The accounting and reporting policies of the Company are in accordance with accounting principles generally accepted in the United States (“GAAP”) and conform to practices within the financial services industry. The accounts of the Company and its consolidated subsidiary are included in these Consolidated Financial Statements. All significant intercompany balances and transactions have been eliminated. Use of Estimates The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant changes in the near term relate to the determination of the allowance for loan losses and fair value of investment securities available for sale. Although Management believes these estimates to be reasonably accurate, actual amounts may differ. In the opinion of Management, all adjustments considered necessary have been reflected in the financial statements during their preparation. Reclassifications Certain amounts in the consolidated financial statements as of and for the years ended December 31, 2016 and 2015 have been reclassified to conform to the current presentation. The reclassifications have no effect on net income or stockholders’ equity as previously reported. Business Segments Reportable business segments are determined using the “management approach” and are intended to present reportable segments consistent with how the chief operating decision maker organizes segments within the company for making operating decisions and assessing performance. As of December 31, 2017, 2016 and 2015, the Company had only one reportable business segment. Cash and Cash Equivalents For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks (including cash items in process of clearing), and federal funds sold. Cash flows from loans originated by the Company and deposits are reported net. The Company maintains amounts due from banks, which at times may exceed federally insured limits. The Company has not experienced any losses in such accounts. Cash Reserve Requirement Depository institutions are required by law to maintain reserves against their transaction deposits. The reserves must be held in cash or with the Federal Reserve Bank (“FRB”). The amount of the reserve varies by bank as the bank is permitted to meet this requirement by maintaining the specified amount as an average balance over a two-week period. The total reserve balance requirement was approximately $3.6 million and $1.6 million as of December 31, 2017 and 2016. Investment Securities Investment securities may be classified as held-to-maturity (“HTM”), available-for-sale (“AFS”) or trading. The appropriate classification is initially decided at the time of purchase. Securities classified as held-to-maturity are those debt securities the Company has both the intent and ability to hold to maturity regardless of changes in market conditions, liquidity needs or general economic conditions. These securities are carried at amortized cost. The sale of a security within three months of its maturity date or after the majority of the principal outstanding has been collected is considered a maturity for purposes of classification and disclosure. Securities classified as AFS or trading are reported as an asset on the Consolidated Balance Sheets at their estimated fair value. As the fair value of AFS securities changes, the changes are reported net of income tax as an element of other comprehensive income (“OCI”), except for impaired securities. When AFS securities are sold, the unrealized gain or loss is reclassified from OCI to non-interest income. The changes in the fair values of trading securities are reported in non-interest income. Securities classified as AFS are debt securities the Company intends to hold for an indefinite period of time, but not necessarily to maturity. Any decision to sell a security classified as AFS would be based on various factors, including significant movements in interest rates, changes in the maturity mix of the Company’s assets and liabilities, liquidity needs, decline in credit quality, and regulatory capital considerations. The Company does not currently have any investment securities classified as trading. Interest income is recognized based on the coupon rate and increased by accretion of discounts earned or decreased by the amortization of premiums paid over the contractual life of the security using the interest method. For mortgage-backed securities, estimates of prepayments are considered in the constant yield calculations. In estimating whether there are any other than temporary impairment losses, management considers 1) the length of time and the extent to which the fair value has been less than amortized cost, 2) the financial condition and near term prospects of the issuer, 3) the impact of changes in market interest rates, and 4) the intent and ability of the Company to retain its investment for a period of time sufficient to allow for any anticipated recovery in fair value and it is not more likely than not the Company would be required to sell the security. Declines in the fair value of individual debt securities available for sale that are deemed to be other than temporary are reflected in earnings when identified. The fair value of the debt security then becomes the new cost basis. For individual debt securities where the Company does not intend to sell the security and it is not more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis, the other than temporary decline in fair value of the debt security related to 1) credit loss is recognized in earnings, and 2) market or other factors is recognized in other comprehensive income or loss. Credit loss is recorded if the present value of cash flows is less than amortized cost. For individual debt securities where the Company intends to sell the security or more likely than not will not recover all of its amortized cost, the other than temporary impairment is recognized in earnings equal to the entire difference between the securities cost basis and its fair value at the balance sheet date. For individual debt securities for which a credit loss has been recognized in earnings, interest accruals and amortization and accretion of premiums and discounts are suspended when the credit loss is recognized. Interest received after accruals have been suspended is recognized on a cash basis. Federal Home Loan Bank (“FHLB”) and Federal Reserve Bank (“FRB”) Stock The Company’s subsidiary bank is a member of the Federal Home Loan Bank (“FHLB”) system and maintains an investment in capital stock of the FHLB. The bank also maintains an investment in FRB stock. These investments are considered equity securities with no actively traded market. These investments are carried at cost, which is equal to the value at which they may be redeemed. The dividend income received from the stock is reported in interest income. We conduct a periodic review and evaluation of our FHLB stock to determine if any impairment exists. No impairment existed in the years ended December 31, 2017 or 2016. Servicing Assets The guaranteed portion of certain Small Business Administration (“SBA”) loans can be sold into the secondary market. Servicing assets are recognized as separate assets when loans are sold with servicing retained. Servicing assets are amortized in proportion to, and over the period of, estimated future net servicing income. The Company uses industry prepayment statistics and its own prepayment experience in estimating the expected life of the loans. Management evaluates its servicing assets for impairment quarterly. Servicing assets are evaluated for impairment based upon the fair value of the rights as compared to amortized cost. Fair value is determined using discounted future cash flows calculated on a loan-by-loan basis and aggregated by predominate risk characteristics. The initial servicing asset and resulting gain on sale are calculated based on the difference between the best actual par and premium bids on an individual loan basis. Loans Held For Sale Loans which are originated and intended for sale in the secondary market are carried at the lower of cost or estimated fair value determined on an aggregate basis. Valuation adjustments, if any are recognized through a valuation allowance by charges to lower of cost or fair value provision. Loans held for sale are mostly comprised of SBA and commercial agriculture. In 2015, the Company exited from originating single family residential loans for sale. The Company did not incur any lower of cost or fair value provision in the years ended December 31, 2017, 2016 and 2015. Loans Held for Investment and Interest and Fees from Loans Loans are recognized at the principal amount outstanding, net of unearned income, loan participations and amounts charged off. Unearned income includes deferred loan origination fees reduced by loan origination costs. Unearned income on loans is amortized to interest income over the life of the related loan using the level yield method. Interest income on loans is accrued daily using the effective interest method and recognized over the terms of the loans. Loan fees collected for the origination of loans less direct loan origination costs (net deferred loan fees) are amortized over the contractual life of the loan through interest income. If the loan has scheduled payments, the amortization of the net deferred loan fee is calculated using the interest method over the contractual life of the loan. If the loan does not have scheduled payments, such as a line of credit, the net deferred loan fee is recognized as interest income on a straight-line basis over the contractual life of the loan commitment. Commitment fees based on a percentage of a customer’s unused line of credit and fees related to standby letters of credit are recognized over the commitment period. When loans are repaid, any remaining unamortized balances of unearned fees, deferred fees and costs and premiums and discounts paid on purchased loans are accounted for though interest income. Nonaccrual loans: For all loan types, when a 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 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 and utilization rates to its off-balance sheet obligations in determining an estimate of losses inherent in these contractual obligations. The estimate for loan losses on off-balance sheet instruments is included within other liabilities and the charge to income that establishes this liability is included in non-interest expense. Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation and amortization. Depreciation is computed using the straight-line method over the estimated useful lives of the assets. Leasehold improvements are amortized over the terms of the leases or the estimated useful lives of the improvements, whichever is shorter. Generally, the estimated useful lives of other items of premises and equipment are as follows: Years Building and improvements 31.5 Furniture and equipment 5 – 10 Electronic equipment and software 3 – 5 Foreclosed Real Estate and Repossessed Assets Foreclosed real estate and other repossessed assets are recorded at fair value at the time of foreclosure less estimated costs to sell. Any excess of loan balance over the fair value less estimated costs to sell of the other assets is charged-off against the allowance for loan losses. Any excess of the fair value less estimated costs to sell over the loan balance is recorded as a loan loss recovery to the extent of the loan loss previously charged-off against the allowance for loan losses; and, if greater, recorded as a gain on foreclosed assets. Subsequent to the legal ownership date, 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 Bank Owned Life Insurance Bank owned life insurance is stated at its cash surrender value with changes recorded in other non-interest income in the consolidated income statements. The cash surrender value of the underlying policies was $4.5 million and $4.3 million as of December 31, 2017 and 2016, respectively. There are no loans offset against cash surrender values, and there are no restrictions as to the use of proceeds. Fair Value of Financial Instruments The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities. FASB ASC 820, Fair Value Measurements and Disclosures · 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 December 31, 2017 or 2016. The estimated fair value amounts for December 31, 2017 and 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. The information presented in Note 15, “Fair Value Measurement,” should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only required for a limited portion of the Company’s assets and liabilities. Due to the wide range of valuation techniques and the degree of subjectivity used in making the estimate, comparisons between the Company’s disclosures and those of other companies or banks may not be meaningful. The following methods and assumptions were used by the Company in estimating the fair value of its financial instruments: Cash and cash equivalents The carrying amounts reported in the consolidated balance sheets for cash and due from banks approximate their fair value. Money market investments The carrying amounts reported in the consolidated balance sheets for money market investments approximate their fair value. Investment securities The fair value of Farmer Mac class A stock is based on quoted market prices and are categorized as Level 1 of the fair value hierarchy. The fair value of other investment securities were determined based on matrix pricing. Matrix pricing is a mathematical technique that utilizes observable market inputs including, for example, yield curves, credit ratings and prepayment speeds. Fair values determined using matrix pricing are generally categorized as Level 2 in the fair value hierarchy. FRB and FHLB stock CWB is a member of the FHLB system and maintains an investment in capital stock of the FHLB. CWB also maintain an investment in FRB stock. These investments are carried at cost since no ready market exists for them, and they have no quoted market value. The Company conducts a periodic review and evaluation of our FHLB stock to determine if any impairment exists. The fair values have been categorized as Level 2 in the fair value hierarchy. Loans Fair value for loans is estimated based on discounted cash flows using interest rates currently being offered for loans with similar terms to borrowers with similar credit quality with adjustments that the Company believes a market participant would consider in determining fair value based on a third party independent valuation. As a result, the fair value for loans 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. Deposit liabilities 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 other borrowings have been categorized as Level 3 in the fair value hierarchy. 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. Earnings Per Share Basic earnings per common share is computed using the weighted average number of common shares outstanding for the period divided into the net income (loss) available to common shareholders. Diluted earnings per share include the effect of all dilutive potential common shares for the period. Potentially dilutive common shares include stock options and warrants. Recent Accounting Pronouncements In 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 ann

INVESTMENT SECURITIES

INVESTMENT SECURITIES	12 Months Ended
	Dec. 31, 2017
INVESTMENT SECURITIES [Abstract]
INVESTMENT SECURITIES	2. INVESTMENT SECURITIES The amortized cost and estimated fair value of investment securities are as follows: December 31, 2017 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value Securities available-for-sale (in thousands) U.S. government agency notes $ 14,035 $ 35 $ (92 ) $ 13,978 U.S. government agency collateralized mortgage obligations ("CMO") 14,641 66 (58 ) 14,649 Equity securities: Farmer Mac class A stock 66 90 — 156 Total $ 28,742 $ 191 $ (150 ) $ 28,783 Securities held-to-maturity U.S. government agency mortgage backed securities ("MBS") $ 7,565 $ 216 $ (110 ) $ 7,671 Total $ 7,565 $ 216 $ (110 ) $ 7,671 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 December 31, 2017 and 2016, $36.2 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 Company had no investment security sales in 2017 or 2016. The maturity periods and weighted average yields of investment securities at December 31, 2017 and 2016 were as follows: December 31, 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 $ 1,967 2.6 % $ 1,833 1.6 % $ 10,178 2.0 % $ — — $ 13,978 2.0 % U.S. government agency CMO — — 3,362 1.9 % 8,361 1.9 % 2,926 2.3 % 14,649 1.9 % Farmer Mac class A stock — — — — — — — — 156 — Total $ 1,967 2.6 % $ 5,195 1.8 % $ 18,539 1.9 % $ 2,926 2.3 % $ 28,783 2.0 % Securities held-to-maturity U.S. government agency MBS $ — — $ 2,802 3.6 % $ 4,763 3.1 % $ — — $ 7,565 3.3 % Total $ — — $ 2,802 3.6 % $ 4,763 3.1 % $ — — $ 7,565 3.3 % 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 1.8 % 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: December 31, 2017 2016 Amortized Cost Estimated Fair Value Amortized Cost Estimated Fair Value Securities available for sale (in thousands) Due in one year or less $ 1,997 $ 1,967 $ 1,995 $ 1,973 After one year through five years 5,220 5,195 4,027 4,026 After five years through ten years 18,506 18,539 13,508 13,463 After ten years 2,953 2,926 3,135 3,104 Farmer Mac class A stock 66 156 66 115 $ 28,742 $ 28,783 $ 22,731 $ 22,681 Securities held to maturity Due in one year or less $ — $ — $ — $ — After one year through five years 2,802 2,938 797 864 After five years through ten years 4,763 4,733 5,531 5,762 After ten years — — 2,674 2,523 $ 7,565 $ 7,671 $ 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: December 31, 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 $ 70 $ 6,324 $ 22 $ 3,106 $ 92 $ 9,430 U.S. government agency CMO 8 985 50 3,430 58 4,415 Equity securities: Farmer Mac class A stock — — — — — $ 78 $ 7,309 $ 72 $ 6,536 $ 150 $ 13,845 Securities held-to-maturity U.S. Government-agency MBS $ — $ — $ 110 $ 2,496 $ 110 $ 2,496 Total $ — $ — $ 110 $ 2,496 $ 110 $ 2,496 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 December 31, 2017 and 2016, there were 14 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 December 31, 2017 and 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.

LOAN HELD FOR SALE

LOAN HELD FOR SALE	12 Months Ended
	Dec. 31, 2017
LOAN HELD FOR SALE [Abstract]
LOAN HELD FOR SALE	3. LOAN HELD FOR SALE SBA and Agriculture Loans As of December 31, 2017 and 2016, the Company had approximately $18.9 million and $26.5 million, respectively, of SBA loans included in loans held for sale. As of December 31, 2017 and 2016, the principal balance of SBA loans serviced for others was $10.8 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 December 31, 2017 and 2016, the Company had $36.2 million and $34.9 million of USDA loans included in loans held for sale, respectively. As of December 31, 2017 and 2016, the principal balance of USDA loans serviced for others was $2.0 million and $1.2 million, respectively.

LOANS HELD FOR INVESTMENT

LOANS HELD FOR INVESTMENT	12 Months Ended
	Dec. 31, 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: December 31, 2017 2016 (in thousands) Manufactured housing $ 223,115 $ 194,222 Commercial real estate 354,617 272,142 Commercial 75,282 70,369 SBA 7,424 10,164 HELOC 9,422 10,292 Single family real estate 10,346 12,750 Consumer 83 87 680,289 570,026 Allowance for loan losses (8,420 ) (7,464 ) Deferred fees, net (652 ) (453 ) Discount on SBA loans (122 ) (170 ) Total loans held for investment, net $ 671,095 $ 561,939 The following tables present the contractual aging of the recorded investment in past due held for investment loans by class of loans: December 31, 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 $ 222,342 $ 355 $ — $ — $ 355 $ 418 $ 223,115 $ — Commercial real estate: Commercial real estate 271,134 — — — — 122 271,256 — SBA 504 1st trust deed 26,463 — — — — 184 26,647 — Land 5,092 — — — — — 5,092 — Construction 51,622 — — — — — 51,622 — Commercial 70,481 15 — — 15 4,786 75,282 — SBA 6,461 19 — — 19 944 7,424 — HELOC 9,208 — — — — 214 9,422 — Single family real estate 10,170 — — — — 176 10,346 — Consumer 83 — — — — — 83 — Total $ 673,056 $ 389 $ — $ — $ 389 $ 6,844 $ 680,289 $ — 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 $ 192,878 $ 544 $ — $ — $ 544 $ 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 70,332 6 — — 6 31 70,369 — SBA 9,296 — — — — 868 10,164 — HELOC 9,919 — — — — 373 10,292 — Single family real estate 12,558 — — — — 192 12,750 — Consumer 87 — — — — — 87 — Total $ 566,359 $ 550 $ — $ — $ 550 $ 3,117 $ 570,026 $ — Allowance for Loan Losses The following table summarizes the changes in the allowance for loan losses: December 31, 2017 2016 2015 (in thousands) Beginning balance $ 7,464 $ 6,916 $ 7,877 Charge-offs (203 ) (245 ) (326 ) Recoveries 748 841 1,639 Net recoveries 545 596 1,313 Provision (credit) 411 (48 ) (2,274 ) Ending balance $ 8,420 $ 7,464 $ 6,916 As of December 31, 2017 and 2016, the Company had reserves for credit losses on undisbursed loans of $95,000 and $125,000 which were included in Other liabilities. The following tables summarize the changes in the allowance for loan losses by portfolio type: For the Year Ended December 31, Manufactured 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 142 249 161 177 18 1 — 748 Net (charge-offs) recoveries 23 249 161 147 18 (53 ) — 545 Provision (credit) (44 ) 888 (269 ) (180 ) (26 ) 42 — 411 Ending balance $ 2,180 $ 4,844 $ 1,133 $ 73 $ 92 $ 98 $ — $ 8,420 2016 Beginning balance $ 3,525 $ 1,853 $ 939 $ 451 $ 43 $ 103 $ 2 $ 6,916 Charge-offs (123 ) — — (121 ) — — (1 ) (245 ) Recoveries 128 132 136 266 86 93 — 841 Net (charge-offs) recoveries 5 132 136 145 86 93 (1 ) 596 Provision (credit) (1,329 ) 1,722 166 (490 ) (29 ) (87 ) (1 ) (48 ) Ending balance $ 2,201 $ 3,707 $ 1,241 $ 106 $ 100 $ 109 $ — $ 7,464 2015 Beginning balance $ 4,032 $ 1,459 $ 986 $ 1,066 $ 140 $ 192 $ 2 $ 7,877 Charge-offs (297 ) — — — — (29 ) — (326 ) Recoveries 205 545 422 454 10 3 — 1,639 Net (charge-offs) recoveries (92 ) 545 422 454 10 (26 ) — 1,313 Provision (credit) (415 ) (151 ) (469 ) (1,069 ) (107 ) (63 ) — (2,274 ) Ending balance $ 3,525 $ 1,853 $ 939 $ 451 $ 43 $ 103 $ 2 $ 6,916 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 December 31, 2017: (in thousands) Recorded Investment: Impaired loans with an allowance recorded $ 5,830 $ 557 $ 3,551 $ 281 $ — $ 2,133 $ — $ 12,352 Impaired loans with no allowance recorded 2,163 — 5,023 699 214 176 — 8,275 Total loans individually evaluated for impairment 7,993 557 8,574 980 214 2,309 — 20,627 Loans collectively evaluated for impairment 215,122 354,060 66,708 6,444 9,208 8,037 83 659,662 Total loans held for investment $ 223,115 $ 354,617 $ 75,282 $ 7,424 $ 9,422 $ 10,346 $ 83 $ 680,289 Unpaid Principal Balance Impaired loans with an allowance recorded $ 5,836 $ 661 $ 3,551 $ 281 $ — $ 2,133 $ — $ 12,462 Impaired loans with no allowance recorded 3,328 — 5,042 1,026 249 220 — 9,865 Total loans individually evaluated for impairment 9,164 661 8,593 1,307 249 2,353 — 22,327 Loans collectively evaluated for impairment 215,122 354,060 66,708 6,444 9,208 8,037 83 659,662 Total loans held for investment $ 224,286 $ 354,721 $ 75,301 $ 7,751 $ 9,457 $ 10,390 $ 83 $ 681,989 Related Allowance for Credit Losses Impaired loans with an allowance recorded $ 427 $ 11 $ 50 $ 1 $ — $ 35 $ — $ 524 Impaired loans with no allowance recorded — — — — — — — — Total loans individually evaluated for impairment 427 11 50 1 — 35 — 524 Loans collectively evaluated for impairment 1,753 4,833 1,083 72 92 63 — 7,896 Total loans held for investment $ 2,180 $ 4,844 $ 1,133 $ 73 $ 92 $ 98 $ — $ 8,420 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 $2.6 million and $1.0 million of loans guaranteed by government agencies at December 31, 2017 and 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 above as “Impaired loans without specific valuation allowance under ASC 310.” The valuation allowance disclosed above is included in the allowance for loan losses reported in the consolidated balance sheets as of December 31, 2017 and 2016. The table below reflects recorded investment in loans classified as impaired: December 31, 2017 2016 (in thousands) Impaired loans with a specific valuation allowance under ASC 310 $ 12,352 $ 13,080 Impaired loans without a specific valuation allowance under ASC 310 8,275 4,463 Total impaired loans $ 20,627 $ 17,543 Valuation allowance related to impaired loans $ 524 $ 759 The following table presents impaired loans by class: December 31, 2017 2016 (in thousands) Manufactured housing $ 7,993 $ 8,911 Commercial real estate : Commercial real estate 122 142 SBA 504 1st trust deed 435 970 Land — — Construction — — Commercial 8,574 3,780 SBA 980 1,137 HELOC 214 373 Single family real estate 2,309 2,230 Consumer — — Total $ 20,627 $ 17,543 The following table summarizes the average investment in impaired loans by class and the related interest income recognized: 2017 2016 2015 Average Investment in Impaired Loans Interest Income Average Investment in Impaired Loans Interest Income Average Investment in Impaired Loans Interest Income Manufactured housing $ 7,616 $ 659 $ 8,495 $ 678 $ 7,607 $ 692 Commercial real estate: Commercial real estate 121 1 572 3 1,420 — SBA 504 1st 502 19 1,445 38 1,485 80 Land — — — — — — Construction — — — — — — Commercial 5,176 339 3,276 215 2,925 — SBA 797 21 931 98 1,089 69 HELOC 259 — 400 8 172 11 Single family real estate 2,013 103 2,166 108 1,604 81 Consumer — — — — — — Total $ 16,484 $ 1,142 $ 17,285 $ 1,148 $ 16,302 $ 933 The Company is not committed to lend significant additional funds on these impaired loans. The following table reflects the recorded investment in certain types of loans at the periods indicated: December 31, 2017 2016 2015 (in thousands) Nonaccrual loans $ 6,844 $ 3,117 $ 6,956 SBA guaranteed portion of loans included above $ 2,372 $ 742 $ 1,943 Troubled debt restructured loans, gross $ 16,603 $ 14,437 $ 13,741 Loans 30 through 89 days past due with interest accruing $ — $ — $ — Interest income recognized on impaired loans $ 1,142 $ 1,148 $ 933 Foregone interest on nonaccrual and troubled debt restructured loans $ 379 $ 412 $ 761 Allowance for loan losses to gross loans held for investment 1.24 % 1.31 % 1.44 % The accrual of interest is discontinued when substantial doubt exists as to collectability of the loan; generally at the time the loan is 90 days delinquent. Any unpaid but accrued interest is reversed at that time. Thereafter, interest income is no longer recognized on the loan. Interest income may be recognized on impaired loans to the extent they are not past due by 90 days. Interest on nonaccrual loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all of the principal and interest amounts contractually due are brought current and future payments are reasonably assured. The following table presents the composition of nonaccrual loans by class of loans: December 31, 2017 2016 (in thousands) Manufactured housing $ 418 $ 800 Commercial real estate: Commercial real estate 122 141 SBA 504 1st trust deed 184 712 Land — — Construction — — Commercial 4,786 31 SBA 944 868 HELOC 214 373 Single family real estate 176 192 Consumer — — Total $ 6,844 $ 3,117 Included in nonaccrual loans are $2.4 million and $0.7 million of loans guaranteed by government agencies at December 31, 2017 and 2016, respectively. 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-K. 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 rates are updated as part of the normal loan monitoring process, at a minimum, annually. The following tables present gross loans by risk rating: December 31, 2017 Pass Special Mention Substandard Doubtful Total (in thousands) Manufactured housing $ 222,429 $ — $ 686 $ — $ 223,115 Commercial real estate: Commercial real estate 271,134 — 122 — 271,256 SBA 504 1st trust deed 25,973 — 674 — 26,647 Land 5,092 — — — 5,092 Construction 49,832 1,790 — — 51,622 Commercial 64,543 817 8,083 — 73,443 SBA 4,221 102 1,752 6,075 HELOC 9,208 — 214 — 9,422 Single family real estate 10,165 — 181 — 10,346 Consumer 83 — — — 83 Total, net $ 662,680 $ 2,709 $ 11,712 $ — $ 677,101 Government guarantee — — 3,188 — 3,188 Total $ 662,680 $ 2,709 $ 14,900 $ — $ 680,289 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 class for the periods presented: For the Year Ended December 31, 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 11 $ 894 $ 894 $ 894 $ 894 $ 48 Commercial 3 3,052 3,052 — 3,052 41 SBA 2 298 298 — 298 1 Total 16 $ 4,244 $ 4,244 $ 894 $ 4,244 $ 90 For the Year Ended December 31, 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 25 $ 1,903 $ 1,903 $ 1,903 $ 1,903 $ 112 Commercial real estate 5 1,075 1,075 — 1,075 13 SBA 1 92 92 — 92 — HELOC 1 257 257 — 257 — Single family real estate 1 105 105 105 105 7 Total 33 $ 3,432 $ 3,432 $ 2,008 $ 3,432 $ 132 For the Year Ended December 31, 2015 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 27 $ 2,400 $ 2,390 $ 2,087 $ 2,243 $ 109 Commercial real estate 1 161 161 161 161 2 SBA 1 297 297 — 297 5 HELOC 1 54 54 54 54 — Single family real estate 1 1,917 1,917 1,917 1,917 35 Total 31 $ 4,829 $ 4,819 $ 4,219 $ 4,672 $ 151 The average rate concession was 83 basis points and 78 basis points for the twelve months ended December 31, 2017 and 2016, respectively. The average term extension in months was 127 and 147 for the twelve months ended December 31, 2017 and 2016, respectively. A TDR loan is deemed to have a payment default when the borrower fails to make two consecutive payments or the collateral is transferred to repossessed assets. The Company had no TDR’s with payment defaults for the twelve months ended December 31, 2017 or 2016. At December 31, 2017, there were no material loan commitments outstanding on TDR loans. Related Parties Principal stockholders, directors, and executive officers of the Company, together with companies they control and family members, are considered to be related parties. In the ordinary course of business, the Company has extended credit to these related parties. Federal banking regulations require that any such extensions of credit not be offered on terms more favorable than would be offered to non-related party borrowers of similar creditworthiness. The following table summarizes the aggregate activity in such loans: Year Ended December 31, 2017 2016 (in thousands) Balance, beginning $ 943 $ 4,294 New loans 2,741 125 Repayments and other (179 ) (3,476 ) Balance, ending $ 3,505 $ 943 None of these loans are past due, on nonaccrual status or have been restructured to provide a reduction or deferral of interest or principal because of deterioration in the financial position of the borrower. There were no loans to a related party that were considered classified loans at December 31, 2017 or 2016. Unfunded loan commitments outstanding with related parties total approximately $0.3 million at December 31, 2017 and 2016, respectively.

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2017
PREMISES AND EQUIPMENT [Abstract]
PREMISES AND EQUIPMENT	5. PREMISES AND EQUIPMENT Year Ended December 31, 2017 2016 (in thousands) Bank premises and land $ 1,355 $ 1,355 Furniture, fixtures and equipment 10,241 9,387 Leasehold improvements 4,025 3,036 Construction in progress 944 454 16,565 14,232 Accumulated depreciation (10,984 ) (10,301 ) Premises and equipment, net $ 5,581 $ 3,931 Lease Obligations The Company leases certain premises under non-cancelable operating leases expiring through 2027. The following is a schedule of future minimum rental payments under these leases at December 31, 2017: (in thousands) 2018 $ 1,258 2019 1,209 2020 1,157 2021 1,085 2022 963 Thereafter 3,173 $ 8,845 The Company leases the majority of its office locations and many of these leases contain multiple renewal options and provisions for increased rents. Total rent expense of $1.2 million, $1.0 million and $0.9 million is included in occupancy expenses for the years ended December 31, 2017, 2016 and 2015, respectively. Total depreciation expense of $0.7 million, $0.7 million, and $0.4 million is included in occupancy expenses for the each of the years ended December 31, 2017, 2016 and 2015, respectively.

OTHER ASSETS ACQUIRED THROUGH F

OTHER ASSETS ACQUIRED THROUGH FORECLOSURE	12 Months Ended
	Dec. 31, 2017
OTHER ASSETS ACQUIRED THROUGH FORECLOSURE [Abstract]
OTHER ASSETS ACQUIRED THROUGH FORECLOSURE	6. OTHER ASSETS ACQUIRED THROUGH FORECLOSURE The following table summarizes the changes in other assets acquired through foreclosure: December 31, 2017 2016 2015 (in thousands) Balance, beginning of period $ 137 $ 198 $ 137 Additions 501 350 609 Proceeds from dispositions (416 ) (395 ) (538 ) Gains (losses) on sales, net 150 (16 ) (10 ) Balance, end of period $ 372 $ 137 $ 198

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2017
INCOME TAXES [Abstract]
INCOME TAXES	7. INCOME TAXES The provision for income taxes consisted of the following: December 31, 2017 2016 2015 Current: (in thousands) Federal $ 3,722 $ 3,000 $ 1,569 State 1,298 1,022 590 5,020 4,022 2,159 Deferred: Federal 701 (338 ) 4 State (173 ) (71 ) (25 ) 528 (409 ) (21 ) Total provision for income taxes $ 5,548 $ 3,613 $ 2,138 The reconciliation between the statutory income tax rate and the Company’s effective tax rate follows: December 31, 2017 2016 2015 Federal income tax at statutory rate 34.0 % 34.0 % 34.0 % State franchise tax, net of federal benefit 7.2 % 7.2 % 7.2 % Other (0.4 )% (0.3 )% 1.5 % Tax law change 12.2 % 0.0 % 0.0 % Total provision for income taxes 53.0 % 40.9 % 42.7 % The cumulative tax effects of the primary temporary differences are as shown in the following table: December 31, 2017 2016 Deferred Tax Assets: (in thousands) Allowance for loan losses $ 2,514 $ 3,006 Unrealized loss on AFS securities — 20 Other 1,562 1,734 Total gross deferred tax assets 4,076 4,760 Deferred tax asset valuation allowance — — Total deferred tax assets 4,076 4,760 Deferred Tax Liabilities: Deferred state taxes (233 ) (319 ) Depreciation (142 ) (197 ) Unrealized gain on AFS securities (11 ) — Other (521 ) (511 ) Total deferred tax liabilities (907 ) (1,027 ) Net deferred tax asset $ 3,169 $ 3,733 Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts and their respective tax basis including operating losses and tax credit carryforwards. Net deferred tax assets of $3.2 million at December 31, 2017 are reported in the consolidated balance sheet as a component of total assets. On December 22, 2017, the President of the United States signed into law the Tax Cuts and Jobs Act tax reform legislation. This legislation makes significant change in U.S. tax law including a reduction in the corporate tax rates, changes to net operating loss carryforwards and carrybacks, and a repeal of the corporate alternative minimum tax. The legislation reduced the U.S. corporate tax rate from the current rate of 34% to 21%. As a result of the enacted law, the Company was required to revalue deferred tax assets and liabilities at the 21%. The revaluation resulted in a cost of $1.3 million income tax expense and a corresponding reduction in the net deferred tax asset. The other provisions of the Tax Cuts and Job Act did not have a material impact on the fiscal 2017 consolidated financial statements. Accounting standards Codification Topic 740, Income Taxes There was no valuation allowance on deferred tax assets at December 31, 2017 or December 31, 2016. The Company is subject to the provisions of ASC 740, Income Taxes The Company is subject to income taxation in the United States and certain state jurisdictions. The Company’s federal and state income tax returns are filed on a consolidated basis. The Company is generally open to examination by tax authorities for the years 2011 and later. Although the Company is unable to determine the outcome under examination, it has evaluated whether there are any uncertain tax positions in accordance with ASC 740-10 and concluded that there are no significant uncertain tax positions requiring recognition in the financial statements.

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2017
DEPOSITS [Abstract]
DEPOSITS	8. DEPOSITS The table below summarizes deposits by type: December 31, 2017 2016 (in thousands) Non-interest bearing demand deposits $ 108,500 $ 100,372 Interest-bearing deposits: NOW accounts 24,863 18,111 Money market deposit account 231,854 234,912 Savings accounts 14,085 14,007 Time deposits of $250,000 or more 81,985 77,509 Other time deposits 238,397 167,325 Total deposits $ 699,684 $ 612,236 Of the total deposits at December 31, 2017 $379.3 million may be immediately withdrawn. Time certificates of deposit are the only deposits which have a specified maturity. The summary of the contractual maturities for all time deposits is as follows: (in thousands) 2018 $ 251,934 2019 52,313 2020 12,614 2021 3,031 2022 490 Thereafter — $ 320,382 The Company through the bank is a member of the Certificate of Deposit Account Registry Service (“CDARS”), which provides Federal Deposit Insurance Corporation (“FDIC”) insurance for large deposits. Federal banking law and regulation place restrictions on depository institutions regarding brokered deposits as they pose increased liquidity risk for institutions that gather significant amounts of brokered deposits. At December 31, 2017 and 2016, the Company had $32.1 million and $46.7 million, respectively, of reciprocal CDARS deposits. The Company also accepts deposits from related parties which totaled $23.6 million at December 31, 2017 and $20.5 million at December 31, 2016.

OTHER BORROWINGS

OTHER BORROWINGS	12 Months Ended
	Dec. 31, 2017
OTHER BORROWINGS [Abstract]
OTHER BORROWINGS	9. OTHER BORROWINGS The following table summarizes the Company’s FHLB advances by maturity date: December 31, 2017 2016 Contractual Maturity Date Amount Rate Amount Rate (dollars in thousands) January 3, 3017 $ — — $ 5,000 0.52 % January 9, 2017 — — 5,000 0.47 % January 23, 2017 — — 5,000 0.59 % March 20, 2017 — — 5,000 0.67 % April 17, 2017 — — 5,000 0.70 % January 2, 2018 25,000 1.40 % — — January 16, 2018 10,000 1.42 % — — January 29, 2018 5,000 1.45 % — — February 20, 2018 5,000 1.49 % — — March 1, 2018 5,000 1.47 % — — Total FHLB advances $ 50,000 $ 25,000 Weighted average rate 1.43 % 0.59 % The Company through the bank has a blanket lien credit line with the FHLB. FHLB advances are collateralized in the aggregate by the Company’s eligible loans and securities. Total FHLB advances were $50.0 million and $25.0 million at December 31, 2017 and 2016, respectively, borrowed at fixed rates. The Company also had $125.0 million of letters of credit with FHLB at December 31, 2017 to secure public funds. At December 31, 2017, the Company had pledged to the FHLB, $36.2 million of securities and $235.4 million of loans. At December 31, 2017, the Company had $63.9 million available for additional borrowing. At December 31, 2016, the Company had pledged to the FHLB, $31.7 million of securities and $161.3 million of loans. At December 31, 2016, CWB had $56.8 million available for additional borrowing. Total FHLB interest expense for the years ended December 31, 2017, 2016 and 2015 was $0.3 million, $30,000 and $0.1 million, respectively. Other Borrowing – Federal Reserve Bank – Federal Funds Purchased Lines–

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	12 Months Ended
	Dec. 31, 2017
COMMITMENTS AND CONTINGENCIES [Abstract]
COMMITMENTS AND CONTINGENCIES	10. COMMITMENTS AND CONTINGENCIES Unfunded Commitments and Letters of Credit The Company is party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. They involve, to varying degrees, elements of credit risk in excess of amounts recognized in the consolidated balance sheets. Lines of credit are obligations to lend money to a borrower. Credit risk arises when the borrowers’ current financial condition may indicate less ability to pay than when the commitment was originally made. In the case of standby letters of credit, the risk arises from the possibility of the failure of the customer to perform according to the terms of a contract. In such a situation, the third party might draw on the standby letter of credit to pay for completion of the contract and the Company would look to its customer to repay these funds with interest. To minimize the risk, the Company uses the same credit policies in making commitments and conditional obligations as it would for a loan to that customer. Standby letters of credit are commitments issued by the Company to guarantee the performance of a customer to a third party in borrowing arrangements. Typically, letters of credit issued have expiration dates within one year. A summary of the contractual amounts for unfunded commitments and letters of credit are as follows: Year Ended December 31, 2017 2016 (in thousands) Commitments to extend credit $ 68,812 $ 82,954 Standby letters of credit — — Total $ 68,812 $ 82,954 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. The Company enters into credit arrangements that generally provide for the termination of advances in the event of a covenant violation or other event of default. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the party. The commitments are collateralized by the same types of assets used as loan collateral. The Company has exposure to credit losses from unfunded commitments and letters of credit. As funds have not been disbursed on these commitments, they are not reported as loans outstanding. Credit losses related to these commitments are not included in the allowance for credit losses reported in Note 4, “Loans Held For Investment” of these Consolidated Financial Statements and are accounted for as a separate loss contingency as a liability. This loss contingency for unfunded loan commitments and letters of credit was $95,000 and $125,000 as of December 31, 2017 and 2016, respectively. Changes to this liability are adjusted through other non-interest expense. Concentrations of Lending Activities The Company’s lending activities are primarily driven by the customers served in the market areas where the Company has branch offices in the Central Coast of California. The Company monitors concentrations within selected categories such as geography and product. The Company makes manufactured housing, commercial, SBA, construction, commercial real estate and consumer loans to customers through branch offices located in the Company’s primary markets. The Company’s business is concentrated in these areas and the loan portfolio includes significant credit exposure to the manufactured housing and commercial real estate markets of these areas. As of December 31, 2017 and 2016, manufactured housing loans comprised 30.4% and 30.8%, respectively of total loans. As of December 31, 2017 and 2016, commercial real estate loans accounted for approximately 48.3% and 43.1% of total loans, respectively. Approximately 33.9% and 32.3% of these commercial real estate loans were owner occupied at December 31, 2017 and 2016, respectively. Substantially all of these loans are secured by first liens with an average loan to value ratios of 55.0% and 54.6% at December 31, 2017 and 2016, respectively. The Company was within established policy limits at December 31, 2017 and 2016. Loan Sales and Servicing The Company retains a certain level of risk relating to the servicing activities and retained interest in sold loans. In addition, during the period of time that the loans are held for sale, the Company is subject to various business risks associated with the lending business, including borrower default, foreclosure and the risk that a rapid increase in interest rates would result in a decline of the value of loans held for sale to potential purchasers. In connection with certain loan sales, the Company enters agreements which generally require the company to repurchase or substitute loans in the event of a breach of a representation or warranty made by the Company to the loan purchaser, any misrepresentation during the loan origination process or, in some cases, upon any fraud or early default on such loans. The Company has sold loans that are guaranteed or insured by government agencies for which the Company retained all servicing rights and responsibilities. The Company is required to perform certain monitoring functions in connection with these loans to preserve the guarantee by the government agency and prevent loss to the Company in the event of nonperformance by the borrower. Management believes that the Company is in compliance with these requirements. The outstanding balance of the loans serviced for others was approximately $12.8 million and $15.4 million at December 31, 2017 and 2016, respectively. Salary Continuation The Company has agreements with certain key officers, which provide for a monthly cash payment to the officers or beneficiaries in the event of death, disability or retirement, beginning in the month after the retirement date or death and extending for a period of fifteen years subject to vesting. The Company purchased life insurance policies of $2.9 million as an investment. The income from the policy investments will help fund this liability. Additionally, the Company has an agreement with a former officer which provides for $50,000 per year in monthly cash payments. The remaining contractual obligation at December 31, 2017 is one year. At December 31, 2017 and 2016, the Company had accrued salary continuation liability for these agreements of $0.5 million and $0.4 million, respectively. The cash surrender value of the life insurance policies was $4.5 million at December 31, 2017, and is included in other assets. Other The Company is involved in various other litigation matters of a routine nature that are being handled and defended in the ordinary course of the Company’s business. In the opinion of Management, based in part on consultation with legal counsel, the resolution of these litigation matters will not have a material impact on the Company’s financial position or results of operations.

STOCKHOLDERS' EQUITY

STOCKHOLDERS' EQUITY	12 Months Ended
	Dec. 31, 2017
STOCKHOLDERS' EQUITY [Abstract]
STOCKHOLDERS' EQUITY	11. STOCKHOLDERS’ EQUITY Preferred Stock The Company’s Series A Preferred Stock paid cumulative dividends at a rate of 5% per year until February 15, 2014 then increased to a rate of 9% per year. The Series A Preferred Stock has no maturity date and ranks senior to the common stock with respect to the payment of dividends and distributions and amounts payable upon liquidation, dissolution and winding up of the Company. During 2015, the Company redeemed the remaining 7,014 shares of Series A Preferred Stock for $6.9 million and recognized a discount on the redemption of $0.1 million. Common Stock Warrant The Warrant issued as part of the TARP provides for the purchase of up to 521,158 shares of the common stock, at an exercise price of $4.49 per share (“Warrant Shares”). The Warrant is immediately exercisable and has a 10-year term. The exercise price and the ultimate number of shares of common stock that may be issued under the Warrant are subject to certain anti-dilution adjustments, such as upon stock splits or distributions of securities or other assets to holders of the common stock, and upon certain issuances of the common stock at or below a specified price relative to the then current market price of the common stock. In the second quarter of 2013, the Treasury sold its warrant position to 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. Common Stock During the years ended December 31, 2017 and 2016, the Company recorded $1.3 million and $1.1 million, respectively of dividends on 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 year ended December 31, 2017. Stock Option Plans The Company has two stock option plans available for option grants. Stock options granted in 2017 generally have a vesting period of 5 years and a contractual life of 10 years. The Company recognizes compensation cost for options ratably over the requisite service period for all awards. As of December 31, 2017, 258,000 options were available for future grant. The fair value of each option award is estimated on the date of grant using the Black-Scholes option valuation model that uses the assumptions noted in the following table. This model requires the input of highly subjective assumptions, changes to which can materially affect the fair value estimate. The expected volatility is based on the historical volatility of the stock of the Company over the expected life of the options. The risk-free rate for the periods within the contractual life of the option is based on the U.S. Treasury yield curve in effect at the time of the grant. The dividend rate assumption was the dividend yield at grant date. A summary of the assumptions used in calculating the fair value of option awards during the years ended December 31, 2017, 2016 and 2015 are as follows: December 31, 2017 2016 2015 Expected life in years 6.4 6.5 6.5 Risk-free interest rate 2.04 % 1.62 % 1.77 % Expected volatility 44.1 % 49.5 % 64.9 % Annual dividend rate 1.49 % 1.73 % 1.41 % A summary of option activity under the plan is presented below: Year ended December 31, 2017 Option Shares Weighted Average Exercise Price Weighted Average Remaining Term Aggregate Intrinsic Value (in thousands, except exercise price and contractual terms) Outstanding options, beginning of period 705 $ 6.41 Granted 159 10.15 Exercised (97 ) 5.05 Forefeited or expired (87 ) 8.57 Outstanding options, end of period 680 $ 7.21 7.5 $ 2,342 Options exerciseable, end of period 319 $ 6.35 6.6 $ 1,371 Options expected to vest, end of period 576 $ 7.03 7.3 $ 719 Year Ended December 31, 2016 Option Shares Weighted Average Exercise Price Weighted Average Remaining Term Aggregate Intrinsic Value (in thousands, except exercise price and contractual terms) Outstanding options, beginning of period 665 $ 6.03 Granted 192 7.12 Exercised (74 ) 2.99 Forefeited or expired (78 ) 8.12 Outstanding options, end of period 705 $ 6.41 7.3 $ 2,057 Options exerciseable, end of period 301 $ 5.86 5.7 $ 1,082 Options expected to vest, end of period 282 $ 6.83 7.1 $ 696 Year Ended December 31, 2015 Option Shares Weighted Average Exercise Price Weighted Average Remaining Term Aggregate Intrinsic Value (in thousands, except exercise price and contractual terms) Outstanding options, beginning of period 457 $ 5.61 Granted 243 6.70 Exercised (7 ) 2.08 Forefeited or expired (28 ) 5.82 Outstanding options, end of period 665 $ 6.03 7.4 $ 914 Options exerciseable, end of period 322 $ 5.75 6.0 $ 666 Options expected to vest, end of period 233 $ 6.08 7.1 $ 219 As of December 31, 2017, 2016 and 2015, there was $0.7 million, $0.7 million and $0.7 million, respectively, of total unrecognized compensation cost related to unvested share-based compensation arrangements granted under the Company’s plan. That cost is expected to be recognized over a weighted average period of 3.3 years, 3.5 years, and 3.8 years, respectively. The total intrinsic value of options exercised during the years ended December 31, 2017, 2016 and 2015, was $0.5 million, $0.3 million, and $34,000, respectively. The following table summarizes the change in unvested stock option shares during the year ended December 31, 2017: Number of Option Shares Weighted Average Grant-Date Fair Value (in thousands, except per share data) Unvested options, beginning of period 404 $ 3.41 Granted 159 4.00 Vested (155 ) 3.51 Forefeited (47 ) 3.53 Unvested options, end of period 361 $ 3.61

EARNINGS PER SHARE

EARNINGS PER SHARE	12 Months Ended
	Dec. 31, 2017
EARNINGS PER SHARE [Abstract]
EARNINGS PER SHARE	12. EARNINGS PER SHARE The following table presents a reconciliation of basic earnings per share and diluted earnings per share: Year Ended December 31, 2017 2016 2015 (in thousands, except per share amounts) Net income $ 4,915 $ 5,229 $ 2,870 Less: dividends and accretion on preferred stock - - 445 discount on partial redemption - - (129 ) Net income available to common stockholders $ 4,915 $ 5,229 $ 2,554 Add: debenture interest expense and costs, net of income taxes - - - Net income for diluted calculation of earnings per common share $ 4,915 $ 5,229 $ 2,554 Weighted average number of common shares outstanding - basic 8,146 8,114 8,203 Weighted average number of common shares outstanding - diluted 8,589 8,444 8,491 Earnings per share: Basic $ 0.60 $ 0.64 $ 0.31 Diluted $ 0.57 $ 0.62 $ 0.30

CAPITAL REQUIREMENTS

CAPITAL REQUIREMENTS	12 Months Ended
	Dec. 31, 2017
CAPITAL REQUIREMENTS [Abstract]
CAPITAL REQUIREMENTS	13. CAPITAL REQUIREMENTS 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 December 31, 2017 and 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/Tier1 Capital (To Average Assets) December 31, 2017 CWB's actual regulatory ratios 11.31 % 10.10 % 10.10 % 8.83 % 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/Tier1 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

EMPLOYEE BENEFIT PLANS

EMPLOYEE BENEFIT PLANS	12 Months Ended
	Dec. 31, 2017
EMPLOYEE BENEFIT PLANS [Abstract]
EMPLOYEE BENEFIT PLANS	14. EMPLOYEE BENEFIT PLANS 401(k) Plan: The Company has a qualified 401(k) employee benefit plan for all eligible employees. Participants are able to defer up to a maximum of $18,000 (for those under 50 years of age in 2017) of their annual compensation. The Company may elect to match a discretionary amount each year, which was 3% of the participant’s eligible compensation. The Company’s total contribution was $0.3 million, $0.2 million, and $0.2 million for the years ended December 31, 2017, 2016 and 2015, respectively. Deferred Compensation Plans A deferred compensation plan covers the executive officers. Under the plan, the Company pays each participant a percentage of their base salary plus interest. Vesting occurs at age 65. A liability is accrued for the obligation under these plans. The expense incurred for the deferred compensation for each of the last three years was $0.1 million resulting in a deferred compensation liability of $0.9 million and $0.6 million as of the year-end 2017 and 2016. The Company also provides an unfunded nonqualified deferred compensation arrangement to provide supplemental retirement benefits for the Participants which are a select group of management or highly compensated employees of the Company. The Participants may defer up to 30% of their base salary and bonus each plan year. The 36 month certificate of deposit rate is paid on the vested balance.

FAIR VALUE MEASUREMENT

FAIR VALUE MEASUREMENT	12 Months Ended
	Dec. 31, 2017
FAIR VALUE MEASUREMENT [Abstract]
FAIR VALUE MEASUREMENT	15. FAIR VALUE MEASUREMENT The fair value of an asset or liability is the price that would be received to sell the asset or paid to transfer the liability in an orderly transaction occurring in the principal market for such asset or liability. ASC 820 establishes a fair value hierarchy that prioritizes the inputs and valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (“Level 1”) and the lowest priority to unobservable inputs (“Level 3”). The three levels of the fair value hierarchy under ASC 820 and the methods and assumptions used by the Company in estimating the fair value of its financial instruments are described in “Note 1. Summary of Significant Accounting Policies – Fair Value of Financial Instruments” of these Notes to the Consolidated Financial Statements. 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: December 31, 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 $ 156 $ 28,627 $ — $ 28,783 Interest only strips — — 87 87 Servicing assets — — 97 97 $ 156 $ 28,627 $ 184 $ 28,967 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 strips (“I/O strips”), which represent the present value of excess net cash flows generated by the difference between (a) interest at the stated rate paid by borrowers and (b) the sum of (i) pass-through interest paid to third-party investors and (ii) contractual servicing fees. I/O strips are classified as level 3 in the fair value hierarchy. The fair value is determined on a quarterly basis through a discounted cash flow analysis prepared by an independent third party using industry prepayment speeds. I/O strip valuation adjustments are recorded as additions or offsets to loan servicing income. Historically, the Company has elected to use the amortizing method for the treatment of servicing assets and has measured for impairment on a quarterly basis through a discounted cash flow analysis prepared by an independent third party using industry prepayment speeds. In connection with the sale of certain SBA and USDA loans the Company recorded servicing assets and elected to measure those assets at fair value in accordance with ASC 825-10. Significant assumptions in the valuation of servicing assets include estimated loan repayment rates, the discount rate, and servicing costs, among others. Servicing assets are classified as Level 3 measurements due to the use of significant unobservable inputs, as well as significant management judgment and estimation. The Company also has assets that under certain conditions are subject to measurement at fair value on a non-recurring basis. These assets include loans held for sale, foreclosed real estate and repossessed assets and loans that are considered impaired per generally accepted accounting principles. The following summarizes the fair value measurements of assets measured on a non-recurring basis: Fair Value Measurements at the End of the Reporting Period Using Total Quoted Prices in Active Markets for Identical Assets (Level 1) Active Markets for Similar Assets (Level 2) Unobservable Inputs (Level 3) (in thousands) As of December 31, 2017: Impaired loans $ 6,323 $ — $ 6,323 $ — Loans held for sale 56,222 — 56,222 — Foreclosed real estate and repossessed assets 372 — 372 — $ 62,917 $ — $ 62,917 $ — As of December 31, 2016: Impaired loans $ 2,008 $ — $ 2,008 $ — Loans held for sale 64,954 — 64,954 — Foreclosed real estate and repossessed assets 137 — 137 — $ 67,099 $ — $ 67,099 $ — The Company records certain loans at fair value on a non-recurring basis. When a loan is considered impaired an allowance for a loan loss is established. The fair value measurement and disclosure requirement applies to loans measured for impairment using the practical expedients method permitted by accounting guidance for impaired loans. Impaired loans are measured at an observable market price, if available or at the fair value of the loan’s collateral, if the loan is collateral dependent. The fair value of the loan’s collateral is determined by appraisals or independent valuation. When the fair value of the loan’s collateral is based on an observable market price or current appraised value, given the current real estate markets, the appraisals may contain a wide range of values and accordingly, the Company classifies the fair value of the impaired loans as a non-recurring valuation within Level 2 of the valuation hierarchy. For loans in which impairment is determined based on the net present value of cash flows, the Company classifies these as a non-recurring valuation within Level 3 of the valuation hierarchy. Loans held for sale are carried at the lower of cost or fair value. The fair value of loans held for sale is based on what secondary markets are currently offering for portfolios with similar characteristics or based on the agreed-upon sale price. As such, the Company classifies the fair value of loans held for sale as a non-recurring valuation within Level 2 of the fair value hierarchy. At December 31, 2017 and 2016, the Company had loans held for sale with an aggregate carrying value of $55.1 million and $61.4 million respectively. Foreclosed real estate and repossessed assets are carried at the lower of book value or fair value less estimated costs to sell. Fair value is based upon independent market prices obtained from certified appraisers or the current listing price, if lower. When the fair value of the collateral is based on a current appraised value, the Company reports the fair value of the foreclosed collateral as non-recurring Level 2. When a current appraised value is not available or if management determines the fair value of the collateral is further impaired, the Company reports the foreclosed collateral as non-recurring Level 3. FAIR VALUES OF FINANCIAL INSTRUMENTS The estimated fair values of financial instruments have been determined by the Company using available market information and appropriate valuation methodologies. However, considerable judgment is required to interpret market data to develop estimates of fair value. Accordingly, the estimates presented herein are not necessarily indicative of the amounts the Company could realize in a current market exchange. The use of different market assumptions and/or estimation methodologies may have a material effect on the estimated fair value amounts. The estimated fair value of the Company’s financial instruments are as follows: December 31, 2017 Carrying Fair Value Amount Level 1 Level 2 Level 3 Total Financial assets: (in thousands) Cash and cash equivalents $ 45,869 $ 45,869 $ — $ — $ 45,869 FRB and FHLB stock 3,720 — 3,720 — 3,720 Investment securities 36,348 156 36,298 — 36,454 Loans, net 726,189 — 705,723 13,779 719,502 Financial liabilities: Deposits 699,684 — 699,211 — 699,211 Other borrowings 56,843 — 56,842 — 56,842 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 Interest rate risk The Company assumes interest rate risk (the risk to the Company’s earnings and capital from changes in interest rate levels) as a result of its normal operations. As a result, the fair values of the Company’s financial instruments as well as its future net interest income will change when interest rate levels change and that change may be either favorable or unfavorable to the Company. Interest rate risk exposure is measured using interest rate sensitivity analysis to determine the change in the net portfolio value and net interest income resulting from hypothetical changes in interest rates. If potential changes to net portfolio value and net interest income resulting from hypothetical interest rate changes are not within the limits established by the Board of Directors, the Board of Directors may direct management to adjust the asset and liability mix to bring interest rate risk within board-approved limits. As of December 31, 2017, the Company’s interest rate risk profile was within Board-approved limits. The Company’s subsidiary bank has an Asset and Liability Management Committee charged with managing interest rate risk within Board approved limits. Such limits are structured to prohibit an interest rate risk profile that is significantly asset or liability sensitive. Fair value of commitments Loan commitments on which the committed interest rates were less than the current market rate are insignificant at December 31, 2017 and 2016. The estimated fair value of standby letters of credit outstanding at December 31, 2016 was also insignificant.

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME	12 Months Ended
	Dec. 31, 2017
ACCUMULATED OTHER COMPREHENSIVE INCOME [Abstract]
ACCUMULATED OTHER COMPREHENSIVE INCOME	16. ACCUMULATED OTHER COMPREHENSIVE INCOME The following table summarizes the changes in other comprehensive income by component, net of tax for the period indicated: Year Ended December 31, 2017 2016 2015 Unrealized holding gains (losses ) on AFS (in thousands) Beginning balance $ (29 ) $ (68 ) $ 31 Other comprehensive income (loss) before reclassifications 54 39 (99 ) Amounts reclassified from accumulated other comprehensive income — — — Net current-period other comprehensive income 54 39 (99 ) Ending Balance $ 25 $ (29 ) $ (68 ) There were no reclassifications out of accumulated other comprehensive income for the years ended December 31, 2017, 2016 and 2015.

PARENT COMPANY FINANCIAL INFORM

PARENT COMPANY FINANCIAL INFORMATION	12 Months Ended
	Dec. 31, 2017
PARENT COMPANY FINANCIAL INFORMATION [Abstract]
PARENT COMPANY FINANCIAL INFORMATION	17. PARENT COMPANY FINANCIAL INFORMATION The condensed financial statements of the holding company are presented in the following tables: COMMUNITY WEST BANCSHARES Condensed Balance Sheets December 31, 2017 2016 (in thousands) Assets: Cash and cash equivalents (including interest-bearing deposits in other financial institutions) $ 973 $ 575 Investment in subsidiary 70,825 68,585 Total loans 4,915 — Other assets 190 319 Total assets $ 76,903 $ 69,479 Liabilities and Stockholders' Equity: Other borrowings $ 6,843 $ 4,000 Other liabilities 15 114 Total liabilities 6,858 4,114 Common stock 42,604 41,575 Retained earnings 27,441 23,790 Total stockholders' equity 70,045 65,365 Total liabilities and stockholders' equity $ 76,903 $ 69,479 COMMUNITY WEST BANCSHARES Condensed Income Statements December 31, 2017 2016 2015 (in thousands) Interest income $ 60 $ 5 $ 3 Interest expense 196 247 44 Net interest expense (136 ) (242 ) (41 ) Income from consolidated subsidiary 5,441 5,671 3,335 Other income — — — Total income 5,305 5,429 3,294 Total non-interest expenses 669 495 571 Income before income tax benefit 4,636 4,934 2,723 Income tax benefit (279 ) (295 ) (147 ) Net income 4,915 5,229 2,870 Preferred stock dividends and accretion on preferred stock — — 445 Discount on partial redemption of preferred stock — — (129 ) Net income available to common stockholders' $ 4,915 $ 5,229 $ 2,554 COMMUNITY WEST BANCSHARES Condensed Statements of Cash Flows December 31, 2017 2016 2015 (in thousands) Cash Flows from Operating Activities: Net income $ 4,915 $ 5,229 $ 2,870 Adjustments to reconcile net income to cash provided by operating activities: Equity in undistributed income from subsidiary (5,441 ) (5,671 ) (3,335 ) Stock-based compensation 537 338 412 Changes in: Other assets 129 (138 ) 41 Other liabilities (99 ) 70 45 Net cash provided by (used in) operating activities 41 (172 ) 33 Cash Flows from Investing Activities: Loan originations and principal collections, net (4,915 ) — — Net dividends from and investment in subsidiary 3,201 1,000 5,131 Net cash provided by investing activities (1,714 ) 1,000 5,131 Cash Flows from Financing Activities: Net increase (decrease) from other borrowings 2,843 (1,500 ) 5,500 Preferred stock dividends paid — — (524 ) Redemption of preferred stock — — (6,885 ) Common stock dividends paid (1,264 ) (1,096 ) (902 ) Common stock repurchase — (1,338 ) (28 ) Proceeds from issuance of common stock 492 220 14 Net cash used in financing activities 2,071 (3,714 ) (2,825 ) Net increase (decrease) in cash and cash equivalents 398 (2,886 ) 2,339 Cash and cash equivalents at beginning of year 575 3,461 1,122 Cash and cash equivalents at end of year $ 973 $ 575 $ 3,461

QUARTERLY FINANCIAL DATA (UNAUD

QUARTERLY FINANCIAL DATA (UNAUDITED)	12 Months Ended
	Dec. 31, 2017
QUARTERLY FINANCIAL DATA (UNAUDITED) [Abstract]
QUARTERLY FINANCIAL DATA (UNAUDITED)	18. QUARTERLY FINANCIAL DATA (UNAUDITED) December 31, 2017 First Quarter Second Quarter Third Quarter Fourth Quarter Total (in thousands, except per share amounts) Interest income $ 8,703 $ 9,066 $ 9,695 $ 9,927 $ 37,391 Interest expense 929 1,030 1,319 1,451 4,729 Net interest income 7,774 8,036 8,376 8,476 32,662 Provision (credit) for loan losses 144 120 159 (12 ) 411 Net interest income after provision for loan losses 7,630 7,916 8,217 8,488 32,251 Non-interest income 641 697 716 896 2,950 Non-interest expenses 5,923 6,007 6,387 6,421 24,738 Income before income taxes 2,348 2,606 2,546 2,963 10,463 Provision for income taxes 992 1,050 992 2,514 5,548 Net income $ 1,356 $ 1,556 $ 1,554 $ 449 $ 4,915 Earnings per share: Income per common share - basic $ 0.17 $ 0.19 $ 0.19 $ 0.05 $ 0.60 Income per common share - diluted $ 0.16 $ 0.18 $ 0.18 $ 0.05 $ 0.57 December 31, 2016 First Quarter Second Quarter Third Quarter Fourth Quarter Total (in thousands, except per share amounts) Interest income $ 7,444 $ 7,674 $ 8,516 $ 8,582 $ 32,216 Interest expense 723 777 807 820 3,127 Net interest income 6,721 6,897 7,709 7,762 29,089 (Credit) provision for loan losses (247 ) 61 22 116 (48 ) Net interest income after provision for loan losses 6,968 6,836 7,687 7,646 29,137 Non-interest income 579 577 559 538 2,253 Non-interest expenses 5,336 5,506 5,836 5,870 22,548 Income before income taxes 2,211 1,907 2,410 2,314 8,842 Provision for income taxes 928 782 929 974 3,613 Net income $ 1,283 $ 1,125 $ 1,481 $ 1,340 $ 5,229 Earnings per share: Income per common share - basic $ 0.16 $ 0.14 $ 0.18 $ 0.16 $ 0.64 Income per common share - diluted $ 0.15 $ 0.13 $ 0.18 $ 0.16 $ 0.62

SUMMARY OF SIGNIFICANT ACCOUN27

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 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”). These entities are collectively referred to herein as the “Company”.
Basis of Presentation	Basis of Presentation The accounting and reporting policies of the Company are in accordance with accounting principles generally accepted in the United States (“GAAP”) and conform to practices within the financial services industry. The accounts of the Company and its consolidated subsidiary are included in these Consolidated Financial Statements. All significant intercompany balances and transactions have been eliminated.
Use of Estimates	Use of Estimates The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant changes in the near term relate to the determination of the allowance for loan losses and fair value of investment securities available for sale. Although Management believes these estimates to be reasonably accurate, actual amounts may differ. In the opinion of Management, all adjustments considered necessary have been reflected in the financial statements during their preparation.
Reclassifications	Reclassifications Certain amounts in the consolidated financial statements as of and for the years ended December 31, 2016 and 2015 have been reclassified to conform to the current presentation. The reclassifications have no effect on net income or stockholders’ equity as previously reported.
Business Segments	Business Segments Reportable business segments are determined using the “management approach” and are intended to present reportable segments consistent with how the chief operating decision maker organizes segments within the company for making operating decisions and assessing performance. As of December 31, 2017, 2016 and 2015, the Company had only one reportable business segment.
Cash and Cash Equivalents	Cash and Cash Equivalents For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks (including cash items in process of clearing), and federal funds sold. Cash flows from loans originated by the Company and deposits are reported net. The Company maintains amounts due from banks, which at times may exceed federally insured limits. The Company has not experienced any losses in such accounts.
Cash Reserve Requirement	Cash Reserve Requirement Depository institutions are required by law to maintain reserves against their transaction deposits. The reserves must be held in cash or with the Federal Reserve Bank (“FRB”). The amount of the reserve varies by bank as the bank is permitted to meet this requirement by maintaining the specified amount as an average balance over a two-week period. The total reserve balance requirement was approximately $3.6 million and $1.6 million as of December 31, 2017 and 2016.
Investment Securities	Investment Securities Investment securities may be classified as held-to-maturity (“HTM”), available-for-sale (“AFS”) or trading. The appropriate classification is initially decided at the time of purchase. Securities classified as held-to-maturity are those debt securities the Company has both the intent and ability to hold to maturity regardless of changes in market conditions, liquidity needs or general economic conditions. These securities are carried at amortized cost. The sale of a security within three months of its maturity date or after the majority of the principal outstanding has been collected is considered a maturity for purposes of classification and disclosure. Securities classified as AFS or trading are reported as an asset on the Consolidated Balance Sheets at their estimated fair value. As the fair value of AFS securities changes, the changes are reported net of income tax as an element of other comprehensive income (“OCI”), except for impaired securities. When AFS securities are sold, the unrealized gain or loss is reclassified from OCI to non-interest income. The changes in the fair values of trading securities are reported in non-interest income. Securities classified as AFS are debt securities the Company intends to hold for an indefinite period of time, but not necessarily to maturity. Any decision to sell a security classified as AFS would be based on various factors, including significant movements in interest rates, changes in the maturity mix of the Company’s assets and liabilities, liquidity needs, decline in credit quality, and regulatory capital considerations. The Company does not currently have any investment securities classified as trading. Interest income is recognized based on the coupon rate and increased by accretion of discounts earned or decreased by the amortization of premiums paid over the contractual life of the security using the interest method. For mortgage-backed securities, estimates of prepayments are considered in the constant yield calculations. In estimating whether there are any other than temporary impairment losses, management considers 1) the length of time and the extent to which the fair value has been less than amortized cost, 2) the financial condition and near term prospects of the issuer, 3) the impact of changes in market interest rates, and 4) the intent and ability of the Company to retain its investment for a period of time sufficient to allow for any anticipated recovery in fair value and it is not more likely than not the Company would be required to sell the security. Declines in the fair value of individual debt securities available for sale that are deemed to be other than temporary are reflected in earnings when identified. The fair value of the debt security then becomes the new cost basis. For individual debt securities where the Company does not intend to sell the security and it is not more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis, the other than temporary decline in fair value of the debt security related to 1) credit loss is recognized in earnings, and 2) market or other factors is recognized in other comprehensive income or loss. Credit loss is recorded if the present value of cash flows is less than amortized cost. For individual debt securities where the Company intends to sell the security or more likely than not will not recover all of its amortized cost, the other than temporary impairment is recognized in earnings equal to the entire difference between the securities cost basis and its fair value at the balance sheet date. For individual debt securities for which a credit loss has been recognized in earnings, interest accruals and amortization and accretion of premiums and discounts are suspended when the credit loss is recognized. Interest received after accruals have been suspended is recognized on a cash basis.
Federal Home Loan Bank ("FHLB") and Federal Reserve Bank ("FRB") Stock	Federal Home Loan Bank (“FHLB”) and Federal Reserve Bank (“FRB”) Stock The Company’s subsidiary bank is a member of the Federal Home Loan Bank (“FHLB”) system and maintains an investment in capital stock of the FHLB. The bank also maintains an investment in FRB stock. These investments are considered equity securities with no actively traded market. These investments are carried at cost, which is equal to the value at which they may be redeemed. The dividend income received from the stock is reported in interest income. We conduct a periodic review and evaluation of our FHLB stock to determine if any impairment exists. No impairment existed in the years ended December 31, 2017 or 2016.
Servicing Assets	Servicing Assets The guaranteed portion of certain Small Business Administration (“SBA”) loans can be sold into the secondary market. Servicing assets are recognized as separate assets when loans are sold with servicing retained. Servicing assets are amortized in proportion to, and over the period of, estimated future net servicing income. The Company uses industry prepayment statistics and its own prepayment experience in estimating the expected life of the loans. Management evaluates its servicing assets for impairment quarterly. Servicing assets are evaluated for impairment based upon the fair value of the rights as compared to amortized cost. Fair value is determined using discounted future cash flows calculated on a loan-by-loan basis and aggregated by predominate risk characteristics. The initial servicing asset and resulting gain on sale are calculated based on the difference between the best actual par and premium bids on an individual loan basis.
Loans Held for Sale	Loans Held For Sale Loans which are originated and intended for sale in the secondary market are carried at the lower of cost or estimated fair value determined on an aggregate basis. Valuation adjustments, if any are recognized through a valuation allowance by charges to lower of cost or fair value provision. Loans held for sale are mostly comprised of SBA and commercial agriculture. In 2015, the Company exited from originating single family residential loans for sale. The Company did not incur any lower of cost or fair value provision in the years ended December 31, 2017, 2016 and 2015.
Loans Held for Investment and Interest and Fees From Loans	Loans Held for Investment and Interest and Fees from Loans Loans are recognized at the principal amount outstanding, net of unearned income, loan participations and amounts charged off. Unearned income includes deferred loan origination fees reduced by loan origination costs. Unearned income on loans is amortized to interest income over the life of the related loan using the level yield method. Interest income on loans is accrued daily using the effective interest method and recognized over the terms of the loans. Loan fees collected for the origination of loans less direct loan origination costs (net deferred loan fees) are amortized over the contractual life of the loan through interest income. If the loan has scheduled payments, the amortization of the net deferred loan fee is calculated using the interest method over the contractual life of the loan. If the loan does not have scheduled payments, such as a line of credit, the net deferred loan fee is recognized as interest income on a straight-line basis over the contractual life of the loan commitment. Commitment fees based on a percentage of a customer’s unused line of credit and fees related to standby letters of credit are recognized over the commitment period. When loans are repaid, any remaining unamortized balances of unearned fees, deferred fees and costs and premiums and discounts paid on purchased loans are accounted for though interest income. Nonaccrual loans: For all loan types, when a 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 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 and utilization rates to its off-balance sheet obligations in determining an estimate of losses inherent in these contractual obligations. The estimate for loan losses on off-balance sheet instruments is included within other liabilities and the charge to income that establishes this liability is included in non-interest expense.
Premises and Equipment	Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation and amortization. Depreciation is computed using the straight-line method over the estimated useful lives of the assets. Leasehold improvements are amortized over the terms of the leases or the estimated useful lives of the improvements, whichever is shorter. Generally, the estimated useful lives of other items of premises and equipment are as follows: Years Building and improvements 31.5 Furniture and equipment 5 – 10 Electronic equipment and software 3 – 5
Foreclosed Real Estate and Repossessed Assets	Foreclosed Real Estate and Repossessed Assets Foreclosed real estate and other repossessed assets are recorded at fair value at the time of foreclosure less estimated costs to sell. Any excess of loan balance over the fair value less estimated costs to sell of the other assets is charged-off against the allowance for loan losses. Any excess of the fair value less estimated costs to sell over the loan balance is recorded as a loan loss recovery to the extent of the loan loss previously charged-off against the allowance for loan losses; and, if greater, recorded as a gain on foreclosed assets. Subsequent to the legal ownership date, 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
Bank Owned Life Insurance	Bank Owned Life Insurance Bank owned life insurance is stated at its cash surrender value with changes recorded in other non-interest income in the consolidated income statements. The cash surrender value of the underlying policies was $4.5 million and $4.3 million as of December 31, 2017 and 2016, respectively. There are no loans offset against cash surrender values, and there are no restrictions as to the use of proceeds.
Fair Value of Financial Instruments	Fair Value of Financial Instruments The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities. FASB ASC 820, Fair Value Measurements and Disclosures · 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 December 31, 2017 or 2016. The estimated fair value amounts for December 31, 2017 and 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. The information presented in Note 15, “Fair Value Measurement,” should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only required for a limited portion of the Company’s assets and liabilities. Due to the wide range of valuation techniques and the degree of subjectivity used in making the estimate, comparisons between the Company’s disclosures and those of other companies or banks may not be meaningful. The following methods and assumptions were used by the Company in estimating the fair value of its financial instruments: Cash and cash equivalents The carrying amounts reported in the consolidated balance sheets for cash and due from banks approximate their fair value. Money market investments The carrying amounts reported in the consolidated balance sheets for money market investments approximate their fair value. Investment securities The fair value of Farmer Mac class A stock is based on quoted market prices and are categorized as Level 1 of the fair value hierarchy. The fair value of other investment securities were determined based on matrix pricing. Matrix pricing is a mathematical technique that utilizes observable market inputs including, for example, yield curves, credit ratings and prepayment speeds. Fair values determined using matrix pricing are generally categorized as Level 2 in the fair value hierarchy. FRB and FHLB stock CWB is a member of the FHLB system and maintains an investment in capital stock of the FHLB. CWB also maintain an investment in FRB stock. These investments are carried at cost since no ready market exists for them, and they have no quoted market value. The Company conducts a periodic review and evaluation of our FHLB stock to determine if any impairment exists. The fair values have been categorized as Level 2 in the fair value hierarchy. Loans Fair value for loans is estimated based on discounted cash flows using interest rates currently being offered for loans with similar terms to borrowers with similar credit quality with adjustments that the Company believes a market participant would consider in determining fair value based on a third party independent valuation. As a result, the fair value for loans 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. Deposit liabilities 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 other borrowings have been categorized as Level 3 in the fair value hierarchy. 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.
Earnings Per Share	Earnings Per Share Basic earnings per common share is computed using the weighted average number of common shares outstanding for the period divided into the net income (loss) available to common shareholders. Diluted earnings per share include the effect of all dilutive potential common shares for the period. Potentially dilutive common shares include stock options and warrants.
Recent Accounting Pronouncements	Recent Accounting Pronouncements In 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 Company adopted this guidance as of January 1, 2018 and believes the adoption will not 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. In February 2018, the FASB issued guidance codified within ASU-2018-02, "Income Statement – Reporting Comprehensive Income (Topic 220), Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income," to address the income tax accounting treatment of the standard tax effects within other comprehensive income due to the prohibition of backward tracing due to an income tax rate change that was initially recorded in other comprehensive income. This issue came about from the enactment of the Tax Cuts and Jobs Act on December 22, 2017 that changed the Company's income tax rate from 34% to 21%. The ASU changed current accounting whereby an entity may elect to reclassify the standard tax effect from accumulated other comprehensive income to retained earnings. The ASU is effective for periods beginning after December 15, 2018 although early adoption is permitted. The Company determined it will early adopt ASU-2018-02 in the first quarter of 2018 and will reclassify its standard tax credit of $53,000 within accumulated other comprehensive income to retained earnings at January 1, 2018.

SUMMARY OF SIGNIFICANT ACCOUN28

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	12 Months Ended
	Dec. 31, 2017
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Estimated Useful Lives of Other Items of Premises and Equipment	Generally, the estimated useful lives of other items of premises and equipment are as follows: Years Building and improvements 31.5 Furniture and equipment 5 – 10 Electronic equipment and software 3 – 5

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	12 Months Ended
	Dec. 31, 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: December 31, 2017 Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value Securities available-for-sale (in thousands) U.S. government agency notes $ 14,035 $ 35 $ (92 ) $ 13,978 U.S. government agency collateralized mortgage obligations ("CMO") 14,641 66 (58 ) 14,649 Equity securities: Farmer Mac class A stock 66 90 — 156 Total $ 28,742 $ 191 $ (150 ) $ 28,783 Securities held-to-maturity U.S. government agency mortgage backed securities ("MBS") $ 7,565 $ 216 $ (110 ) $ 7,671 Total $ 7,565 $ 216 $ (110 ) $ 7,671 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 December 31, 2017 and 2016 were as follows: December 31, 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 $ 1,967 2.6 % $ 1,833 1.6 % $ 10,178 2.0 % $ — — $ 13,978 2.0 % U.S. government agency CMO — — 3,362 1.9 % 8,361 1.9 % 2,926 2.3 % 14,649 1.9 % Farmer Mac class A stock — — — — — — — — 156 — Total $ 1,967 2.6 % $ 5,195 1.8 % $ 18,539 1.9 % $ 2,926 2.3 % $ 28,783 2.0 % Securities held-to-maturity U.S. government agency MBS $ — — $ 2,802 3.6 % $ 4,763 3.1 % $ — — $ 7,565 3.3 % Total $ — — $ 2,802 3.6 % $ 4,763 3.1 % $ — — $ 7,565 3.3 % 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 1.8 % 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: December 31, 2017 2016 Amortized Cost Estimated Fair Value Amortized Cost Estimated Fair Value Securities available for sale (in thousands) Due in one year or less $ 1,997 $ 1,967 $ 1,995 $ 1,973 After one year through five years 5,220 5,195 4,027 4,026 After five years through ten years 18,506 18,539 13,508 13,463 After ten years 2,953 2,926 3,135 3,104 Farmer Mac class A stock 66 156 66 115 $ 28,742 $ 28,783 $ 22,731 $ 22,681 Securities held to maturity Due in one year or less $ — $ — $ — $ — After one year through five years 2,802 2,938 797 864 After five years through ten years 4,763 4,733 5,531 5,762 After ten years — — 2,674 2,523 $ 7,565 $ 7,671 $ 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: December 31, 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 $ 70 $ 6,324 $ 22 $ 3,106 $ 92 $ 9,430 U.S. government agency CMO 8 985 50 3,430 58 4,415 Equity securities: Farmer Mac class A stock — — — — — $ 78 $ 7,309 $ 72 $ 6,536 $ 150 $ 13,845 Securities held-to-maturity U.S. Government-agency MBS $ — $ — $ 110 $ 2,496 $ 110 $ 2,496 Total $ — $ — $ 110 $ 2,496 $ 110 $ 2,496 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)	12 Months Ended
	Dec. 31, 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: December 31, 2017 2016 (in thousands) Manufactured housing $ 223,115 $ 194,222 Commercial real estate 354,617 272,142 Commercial 75,282 70,369 SBA 7,424 10,164 HELOC 9,422 10,292 Single family real estate 10,346 12,750 Consumer 83 87 680,289 570,026 Allowance for loan losses (8,420 ) (7,464 ) Deferred fees, net (652 ) (453 ) Discount on SBA loans (122 ) (170 ) Total loans held for investment, net $ 671,095 $ 561,939
Contractual Aging of Recorded Investment in Past Due Held for Investment Loans by Class of Loans	The following tables present the contractual aging of the recorded investment in past due held for investment loans by class of loans: December 31, 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 $ 222,342 $ 355 $ — $ — $ 355 $ 418 $ 223,115 $ — Commercial real estate: Commercial real estate 271,134 — — — — 122 271,256 — SBA 504 1st trust deed 26,463 — — — — 184 26,647 — Land 5,092 — — — — — 5,092 — Construction 51,622 — — — — — 51,622 — Commercial 70,481 15 — — 15 4,786 75,282 — SBA 6,461 19 — — 19 944 7,424 — HELOC 9,208 — — — — 214 9,422 — Single family real estate 10,170 — — — — 176 10,346 — Consumer 83 — — — — — 83 — Total $ 673,056 $ 389 $ — $ — $ 389 $ 6,844 $ 680,289 $ — 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 $ 192,878 $ 544 $ — $ — $ 544 $ 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 70,332 6 — — 6 31 70,369 — SBA 9,296 — — — — 868 10,164 — HELOC 9,919 — — — — 373 10,292 — Single family real estate 12,558 — — — — 192 12,750 — Consumer 87 — — — — — 87 — Total $ 566,359 $ 550 $ — $ — $ 550 $ 3,117 $ 570,026 $ —
Analysis of Allowance for Loan Losses for Loans Held for Investment	The following table summarizes the changes in the allowance for loan losses: December 31, 2017 2016 2015 (in thousands) Beginning balance $ 7,464 $ 6,916 $ 7,877 Charge-offs (203 ) (245 ) (326 ) Recoveries 748 841 1,639 Net recoveries 545 596 1,313 Provision (credit) 411 (48 ) (2,274 ) Ending balance $ 8,420 $ 7,464 $ 6,916 As of December 31, 2017 and 2016, the Company had reserves for credit losses on undisbursed loans of $95,000 and $125,000 which were included in Other liabilities. The following tables summarize the changes in the allowance for loan losses by portfolio type: For the Year Ended December 31, Manufactured 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 142 249 161 177 18 1 — 748 Net (charge-offs) recoveries 23 249 161 147 18 (53 ) — 545 Provision (credit) (44 ) 888 (269 ) (180 ) (26 ) 42 — 411 Ending balance $ 2,180 $ 4,844 $ 1,133 $ 73 $ 92 $ 98 $ — $ 8,420 2016 Beginning balance $ 3,525 $ 1,853 $ 939 $ 451 $ 43 $ 103 $ 2 $ 6,916 Charge-offs (123 ) — — (121 ) — — (1 ) (245 ) Recoveries 128 132 136 266 86 93 — 841 Net (charge-offs) recoveries 5 132 136 145 86 93 (1 ) 596 Provision (credit) (1,329 ) 1,722 166 (490 ) (29 ) (87 ) (1 ) (48 ) Ending balance $ 2,201 $ 3,707 $ 1,241 $ 106 $ 100 $ 109 $ — $ 7,464 2015 Beginning balance $ 4,032 $ 1,459 $ 986 $ 1,066 $ 140 $ 192 $ 2 $ 7,877 Charge-offs (297 ) — — — — (29 ) — (326 ) Recoveries 205 545 422 454 10 3 — 1,639 Net (charge-offs) recoveries (92 ) 545 422 454 10 (26 ) — 1,313 Provision (credit) (415 ) (151 ) (469 ) (1,069 ) (107 ) (63 ) — (2,274 ) Ending balance $ 3,525 $ 1,853 $ 939 $ 451 $ 43 $ 103 $ 2 $ 6,916
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 December 31, 2017: (in thousands) Recorded Investment: Impaired loans with an allowance recorded $ 5,830 $ 557 $ 3,551 $ 281 $ — $ 2,133 $ — $ 12,352 Impaired loans with no allowance recorded 2,163 — 5,023 699 214 176 — 8,275 Total loans individually evaluated for impairment 7,993 557 8,574 980 214 2,309 — 20,627 Loans collectively evaluated for impairment 215,122 354,060 66,708 6,444 9,208 8,037 83 659,662 Total loans held for investment $ 223,115 $ 354,617 $ 75,282 $ 7,424 $ 9,422 $ 10,346 $ 83 $ 680,289 Unpaid Principal Balance Impaired loans with an allowance recorded $ 5,836 $ 661 $ 3,551 $ 281 $ — $ 2,133 $ — $ 12,462 Impaired loans with no allowance recorded 3,328 — 5,042 1,026 249 220 — 9,865 Total loans individually evaluated for impairment 9,164 661 8,593 1,307 249 2,353 — 22,327 Loans collectively evaluated for impairment 215,122 354,060 66,708 6,444 9,208 8,037 83 659,662 Total loans held for investment $ 224,286 $ 354,721 $ 75,301 $ 7,751 $ 9,457 $ 10,390 $ 83 $ 681,989 Related Allowance for Credit Losses Impaired loans with an allowance recorded $ 427 $ 11 $ 50 $ 1 $ — $ 35 $ — $ 524 Impaired loans with no allowance recorded — — — — — — — — Total loans individually evaluated for impairment 427 11 50 1 — 35 — 524 Loans collectively evaluated for impairment 1,753 4,833 1,083 72 92 63 — 7,896 Total loans held for investment $ 2,180 $ 4,844 $ 1,133 $ 73 $ 92 $ 98 $ — $ 8,420 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: December 31, 2017 2016 (in thousands) Impaired loans with a specific valuation allowance under ASC 310 $ 12,352 $ 13,080 Impaired loans without a specific valuation allowance under ASC 310 8,275 4,463 Total impaired loans $ 20,627 $ 17,543 Valuation allowance related to impaired loans $ 524 $ 759
Impaired Loans by Class	The following table presents impaired loans by class: December 31, 2017 2016 (in thousands) Manufactured housing $ 7,993 $ 8,911 Commercial real estate : Commercial real estate 122 142 SBA 504 1st trust deed 435 970 Land — — Construction — — Commercial 8,574 3,780 SBA 980 1,137 HELOC 214 373 Single family real estate 2,309 2,230 Consumer — — Total $ 20,627 $ 17,543
Summary of Average Investment in Impaired Loans by Class and Related Interest Income Recognized	The following table summarizes the average investment in impaired loans by class and the related interest income recognized: 2017 2016 2015 Average Investment in Impaired Loans Interest Income Average Investment in Impaired Loans Interest Income Average Investment in Impaired Loans Interest Income Manufactured housing $ 7,616 $ 659 $ 8,495 $ 678 $ 7,607 $ 692 Commercial real estate: Commercial real estate 121 1 572 3 1,420 — SBA 504 1st 502 19 1,445 38 1,485 80 Land — — — — — — Construction — — — — — — Commercial 5,176 339 3,276 215 2,925 — SBA 797 21 931 98 1,089 69 HELOC 259 — 400 8 172 11 Single family real estate 2,013 103 2,166 108 1,604 81 Consumer — — — — — — Total $ 16,484 $ 1,142 $ 17,285 $ 1,148 $ 16,302 $ 933
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: December 31, 2017 2016 2015 (in thousands) Nonaccrual loans $ 6,844 $ 3,117 $ 6,956 SBA guaranteed portion of loans included above $ 2,372 $ 742 $ 1,943 Troubled debt restructured loans, gross $ 16,603 $ 14,437 $ 13,741 Loans 30 through 89 days past due with interest accruing $ — $ — $ — Interest income recognized on impaired loans $ 1,142 $ 1,148 $ 933 Foregone interest on nonaccrual and troubled debt restructured loans $ 379 $ 412 $ 761 Allowance for loan losses to gross loans held for investment 1.24 % 1.31 % 1.44 %
Composition of Net Nonaccrual Loans	The following table presents the composition of nonaccrual loans by class of loans: December 31, 2017 2016 (in thousands) Manufactured housing $ 418 $ 800 Commercial real estate: Commercial real estate 122 141 SBA 504 1st trust deed 184 712 Land — — Construction — — Commercial 4,786 31 SBA 944 868 HELOC 214 373 Single family real estate 176 192 Consumer — — Total $ 6,844 $ 3,117
Schedule of Gross Loans by Risk Rating	The following tables present gross loans by risk rating: December 31, 2017 Pass Special Mention Substandard Doubtful Total (in thousands) Manufactured housing $ 222,429 $ — $ 686 $ — $ 223,115 Commercial real estate: Commercial real estate 271,134 — 122 — 271,256 SBA 504 1st trust deed 25,973 — 674 — 26,647 Land 5,092 — — — 5,092 Construction 49,832 1,790 — — 51,622 Commercial 64,543 817 8,083 — 73,443 SBA 4,221 102 1,752 6,075 HELOC 9,208 — 214 — 9,422 Single family real estate 10,165 — 181 — 10,346 Consumer 83 — — — 83 Total, net $ 662,680 $ 2,709 $ 11,712 $ — $ 677,101 Government guarantee — — 3,188 — 3,188 Total $ 662,680 $ 2,709 $ 14,900 $ — $ 680,289 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 class for the periods presented: For the Year Ended December 31, 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 11 $ 894 $ 894 $ 894 $ 894 $ 48 Commercial 3 3,052 3,052 — 3,052 41 SBA 2 298 298 — 298 1 Total 16 $ 4,244 $ 4,244 $ 894 $ 4,244 $ 90 For the Year Ended December 31, 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 25 $ 1,903 $ 1,903 $ 1,903 $ 1,903 $ 112 Commercial real estate 5 1,075 1,075 — 1,075 13 SBA 1 92 92 — 92 — HELOC 1 257 257 — 257 — Single family real estate 1 105 105 105 105 7 Total 33 $ 3,432 $ 3,432 $ 2,008 $ 3,432 $ 132 For the Year Ended December 31, 2015 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 27 $ 2,400 $ 2,390 $ 2,087 $ 2,243 $ 109 Commercial real estate 1 161 161 161 161 2 SBA 1 297 297 — 297 5 HELOC 1 54 54 54 54 — Single family real estate 1 1,917 1,917 1,917 1,917 35 Total 31 $ 4,829 $ 4,819 $ 4,219 $ 4,672 $ 151
Aggregate Activity with Related Parties	The following table summarizes the aggregate activity in such loans: Year Ended December 31, 2017 2016 (in thousands) Balance, beginning $ 943 $ 4,294 New loans 2,741 125 Repayments and other (179 ) (3,476 ) Balance, ending $ 3,505 $ 943

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2017
PREMISES AND EQUIPMENT [Abstract]
Premises and Equipment	Year Ended December 31, 2017 2016 (in thousands) Bank premises and land $ 1,355 $ 1,355 Furniture, fixtures and equipment 10,241 9,387 Leasehold improvements 4,025 3,036 Construction in progress 944 454 16,565 14,232 Accumulated depreciation (10,984 ) (10,301 ) Premises and equipment, net $ 5,581 $ 3,931
Schedule of Future Minimum Rental Payments under Non-Cancelable Leases	The Company leases certain premises under non-cancelable operating leases expiring through 2027. The following is a schedule of future minimum rental payments under these leases at December 31, 2017: (in thousands) 2018 $ 1,258 2019 1,209 2020 1,157 2021 1,085 2022 963 Thereafter 3,173 $ 8,845

OTHER ASSETS ACQUIRED THROUGH32

OTHER ASSETS ACQUIRED THROUGH FORECLOSURE (Tables)	12 Months Ended
	Dec. 31, 2017
OTHER ASSETS ACQUIRED THROUGH FORECLOSURE [Abstract]
Other Assets Acquired through Foreclosure	The following table summarizes the changes in other assets acquired through foreclosure: December 31, 2017 2016 2015 (in thousands) Balance, beginning of period $ 137 $ 198 $ 137 Additions 501 350 609 Proceeds from dispositions (416 ) (395 ) (538 ) Gains (losses) on sales, net 150 (16 ) (10 ) Balance, end of period $ 372 $ 137 $ 198

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2017
INCOME TAXES [Abstract]
Provision for Income Taxes	The provision for income taxes consisted of the following: December 31, 2017 2016 2015 Current: (in thousands) Federal $ 3,722 $ 3,000 $ 1,569 State 1,298 1,022 590 5,020 4,022 2,159 Deferred: Federal 701 (338 ) 4 State (173 ) (71 ) (25 ) 528 (409 ) (21 ) Total provision for income taxes $ 5,548 $ 3,613 $ 2,138
Reconciliation between Statutory Income Tax Rate and Effective Tax Rate	The reconciliation between the statutory income tax rate and the Company’s effective tax rate follows: December 31, 2017 2016 2015 Federal income tax at statutory rate 34.0 % 34.0 % 34.0 % State franchise tax, net of federal benefit 7.2 % 7.2 % 7.2 % Other (0.4 )% (0.3 )% 1.5 % Tax law change 12.2 % 0.0 % 0.0 % Total provision for income taxes 53.0 % 40.9 % 42.7 %
Cumulative Tax Effects of Primary Temporary Differences	The cumulative tax effects of the primary temporary differences are as shown in the following table: December 31, 2017 2016 Deferred Tax Assets: (in thousands) Allowance for loan losses $ 2,514 $ 3,006 Unrealized loss on AFS securities — 20 Other 1,562 1,734 Total gross deferred tax assets 4,076 4,760 Deferred tax asset valuation allowance — — Total deferred tax assets 4,076 4,760 Deferred Tax Liabilities: Deferred state taxes (233 ) (319 ) Depreciation (142 ) (197 ) Unrealized gain on AFS securities (11 ) — Other (521 ) (511 ) Total deferred tax liabilities (907 ) (1,027 ) Net deferred tax asset $ 3,169 $ 3,733

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2017
DEPOSITS [Abstract]
Summary of Deposits	The table below summarizes deposits by type: December 31, 2017 2016 (in thousands) Non-interest bearing demand deposits $ 108,500 $ 100,372 Interest-bearing deposits: NOW accounts 24,863 18,111 Money market deposit account 231,854 234,912 Savings accounts 14,085 14,007 Time deposits of $250,000 or more 81,985 77,509 Other time deposits 238,397 167,325 Total deposits $ 699,684 $ 612,236
Summary of Contractual Maturities for All Time Deposits	The summary of the contractual maturities for all time deposits is as follows: (in thousands) 2018 $ 251,934 2019 52,313 2020 12,614 2021 3,031 2022 490 Thereafter — $ 320,382

OTHER BORROWINGS (Tables)

OTHER BORROWINGS (Tables)	12 Months Ended
	Dec. 31, 2017
OTHER BORROWINGS [Abstract]
Summary of FHLB Advances by Maturity Date	The following table summarizes the Company’s FHLB advances by maturity date: December 31, 2017 2016 Contractual Maturity Date Amount Rate Amount Rate (dollars in thousands) January 3, 3017 $ — — $ 5,000 0.52 % January 9, 2017 — — 5,000 0.47 % January 23, 2017 — — 5,000 0.59 % March 20, 2017 — — 5,000 0.67 % April 17, 2017 — — 5,000 0.70 % January 2, 2018 25,000 1.40 % — — January 16, 2018 10,000 1.42 % — — January 29, 2018 5,000 1.45 % — — February 20, 2018 5,000 1.49 % — — March 1, 2018 5,000 1.47 % — — Total FHLB advances $ 50,000 $ 25,000 Weighted average rate 1.43 % 0.59 %

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	12 Months Ended
	Dec. 31, 2017
COMMITMENTS AND CONTINGENCIES [Abstract]
Summary of Contractual Amounts for Unfunded Commitments and Letters of Credit	A summary of the contractual amounts for unfunded commitments and letters of credit are as follows: Year Ended December 31, 2017 2016 (in thousands) Commitments to extend credit $ 68,812 $ 82,954 Standby letters of credit — — Total $ 68,812 $ 82,954

STOCKHOLDERS' EQUITY (Tables)

STOCKHOLDERS' EQUITY (Tables)	12 Months Ended
	Dec. 31, 2017
STOCKHOLDERS' EQUITY [Abstract]
Summary of Assumptions Used in Calculating Fair Value of Option Awards	A summary of the assumptions used in calculating the fair value of option awards during the years ended December 31, 2017, 2016 and 2015 are as follows: December 31, 2017 2016 2015 Expected life in years 6.4 6.5 6.5 Risk-free interest rate 2.04 % 1.62 % 1.77 % Expected volatility 44.1 % 49.5 % 64.9 % Annual dividend rate 1.49 % 1.73 % 1.41 %
Summary of Option Activity	A summary of option activity under the plan is presented below: Year ended December 31, 2017 Option Shares Weighted Average Exercise Price Weighted Average Remaining Term Aggregate Intrinsic Value (in thousands, except exercise price and contractual terms) Outstanding options, beginning of period 705 $ 6.41 Granted 159 10.15 Exercised (97 ) 5.05 Forefeited or expired (87 ) 8.57 Outstanding options, end of period 680 $ 7.21 7.5 $ 2,342 Options exerciseable, end of period 319 $ 6.35 6.6 $ 1,371 Options expected to vest, end of period 576 $ 7.03 7.3 $ 719 Year Ended December 31, 2016 Option Shares Weighted Average Exercise Price Weighted Average Remaining Term Aggregate Intrinsic Value (in thousands, except exercise price and contractual terms) Outstanding options, beginning of period 665 $ 6.03 Granted 192 7.12 Exercised (74 ) 2.99 Forefeited or expired (78 ) 8.12 Outstanding options, end of period 705 $ 6.41 7.3 $ 2,057 Options exerciseable, end of period 301 $ 5.86 5.7 $ 1,082 Options expected to vest, end of period 282 $ 6.83 7.1 $ 696 Year Ended December 31, 2015 Option Shares Weighted Average Exercise Price Weighted Average Remaining Term Aggregate Intrinsic Value (in thousands, except exercise price and contractual terms) Outstanding options, beginning of period 457 $ 5.61 Granted 243 6.70 Exercised (7 ) 2.08 Forefeited or expired (28 ) 5.82 Outstanding options, end of period 665 $ 6.03 7.4 $ 914 Options exerciseable, end of period 322 $ 5.75 6.0 $ 666 Options expected to vest, end of period 233 $ 6.08 7.1 $ 219
Summary of Change in Unvested Stock Option Share	The following table summarizes the change in unvested stock option shares during the year ended December 31, 2017: Number of Option Shares Weighted Average Grant-Date Fair Value (in thousands, except per share data) Unvested options, beginning of period 404 $ 3.41 Granted 159 4.00 Vested (155 ) 3.51 Forefeited (47 ) 3.53 Unvested options, end of period 361 $ 3.61

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	12 Months Ended
	Dec. 31, 2017
EARNINGS PER SHARE [Abstract]
Reconciliation of Basic and Diluted Earnings per Share	The following table presents a reconciliation of basic earnings per share and diluted earnings per share: Year Ended December 31, 2017 2016 2015 (in thousands, except per share amounts) Net income $ 4,915 $ 5,229 $ 2,870 Less: dividends and accretion on preferred stock - - 445 discount on partial redemption - - (129 ) Net income available to common stockholders $ 4,915 $ 5,229 $ 2,554 Add: debenture interest expense and costs, net of income taxes - - - Net income for diluted calculation of earnings per common share $ 4,915 $ 5,229 $ 2,554 Weighted average number of common shares outstanding - basic 8,146 8,114 8,203 Weighted average number of common shares outstanding - diluted 8,589 8,444 8,491 Earnings per share: Basic $ 0.60 $ 0.64 $ 0.31 Diluted $ 0.57 $ 0.62 $ 0.30

CAPITAL REQUIREMENTS (Tables)

CAPITAL REQUIREMENTS (Tables)	12 Months Ended
	Dec. 31, 2017
CAPITAL REQUIREMENTS [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 December 31, 2017 and 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/Tier1 Capital (To Average Assets) December 31, 2017 CWB's actual regulatory ratios 11.31 % 10.10 % 10.10 % 8.83 % 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/Tier1 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

FAIR VALUE MEASUREMENT (Tables)

FAIR VALUE MEASUREMENT (Tables)	12 Months Ended
	Dec. 31, 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: December 31, 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 $ 156 $ 28,627 $ — $ 28,783 Interest only strips — — 87 87 Servicing assets — — 97 97 $ 156 $ 28,627 $ 184 $ 28,967 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) As of December 31, 2017: Impaired loans $ 6,323 $ — $ 6,323 $ — Loans held for sale 56,222 — 56,222 — Foreclosed real estate and repossessed assets 372 — 372 — $ 62,917 $ — $ 62,917 $ — As of December 31, 2016: Impaired loans $ 2,008 $ — $ 2,008 $ — Loans held for sale 64,954 — 64,954 — Foreclosed real estate and repossessed assets 137 — 137 — $ 67,099 $ — $ 67,099 $ —
Estimated Fair Values and Carrying Values of Financial Instruments	The estimated fair value of the Company’s financial instruments are as follows: December 31, 2017 Carrying Fair Value Amount Level 1 Level 2 Level 3 Total Financial assets: (in thousands) Cash and cash equivalents $ 45,869 $ 45,869 $ — $ — $ 45,869 FRB and FHLB stock 3,720 — 3,720 — 3,720 Investment securities 36,348 156 36,298 — 36,454 Loans, net 726,189 — 705,723 13,779 719,502 Financial liabilities: Deposits 699,684 — 699,211 — 699,211 Other borrowings 56,843 — 56,842 — 56,842 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

ACCUMULATED OTHER COMPREHENSI41

ACCUMULATED OTHER COMPREHENSIVE INCOME (Tables)	12 Months Ended
	Dec. 31, 2017
ACCUMULATED OTHER COMPREHENSIVE INCOME [Abstract]
Changes in Other Comprehensive Income (Loss) by Component, Net of Tax	The following table summarizes the changes in other comprehensive income by component, net of tax for the period indicated: Year Ended December 31, 2017 2016 2015 Unrealized holding gains (losses ) on AFS (in thousands) Beginning balance $ (29 ) $ (68 ) $ 31 Other comprehensive income (loss) before reclassifications 54 39 (99 ) Amounts reclassified from accumulated other comprehensive income — — — Net current-period other comprehensive income 54 39 (99 ) Ending Balance $ 25 $ (29 ) $ (68 )

PARENT COMPANY FINANCIAL INFO42

PARENT COMPANY FINANCIAL INFORMATION (Tables)	12 Months Ended
	Dec. 31, 2017
PARENT COMPANY FINANCIAL INFORMATION [Abstract]
Condensed Balance Sheets	COMMUNITY WEST BANCSHARES Condensed Balance Sheets December 31, 2017 2016 (in thousands) Assets: Cash and cash equivalents (including interest-bearing deposits in other financial institutions) $ 973 $ 575 Investment in subsidiary 70,825 68,585 Total loans 4,915 — Other assets 190 319 Total assets $ 76,903 $ 69,479 Liabilities and Stockholders' Equity: Other borrowings $ 6,843 $ 4,000 Other liabilities 15 114 Total liabilities 6,858 4,114 Common stock 42,604 41,575 Retained earnings 27,441 23,790 Total stockholders' equity 70,045 65,365 Total liabilities and stockholders' equity $ 76,903 $ 69,479
Condensed Income Statements	COMMUNITY WEST BANCSHARES Condensed Income Statements December 31, 2017 2016 2015 (in thousands) Interest income $ 60 $ 5 $ 3 Interest expense 196 247 44 Net interest expense (136 ) (242 ) (41 ) Income from consolidated subsidiary 5,441 5,671 3,335 Other income — — — Total income 5,305 5,429 3,294 Total non-interest expenses 669 495 571 Income before income tax benefit 4,636 4,934 2,723 Income tax benefit (279 ) (295 ) (147 ) Net income 4,915 5,229 2,870 Preferred stock dividends and accretion on preferred stock — — 445 Discount on partial redemption of preferred stock — — (129 ) Net income available to common stockholders' $ 4,915 $ 5,229 $ 2,554
Condensed Statements of Cash Flows	COMMUNITY WEST BANCSHARES Condensed Statements of Cash Flows December 31, 2017 2016 2015 (in thousands) Cash Flows from Operating Activities: Net income $ 4,915 $ 5,229 $ 2,870 Adjustments to reconcile net income to cash provided by operating activities: Equity in undistributed income from subsidiary (5,441 ) (5,671 ) (3,335 ) Stock-based compensation 537 338 412 Changes in: Other assets 129 (138 ) 41 Other liabilities (99 ) 70 45 Net cash provided by (used in) operating activities 41 (172 ) 33 Cash Flows from Investing Activities: Loan originations and principal collections, net (4,915 ) — — Net dividends from and investment in subsidiary 3,201 1,000 5,131 Net cash provided by investing activities (1,714 ) 1,000 5,131 Cash Flows from Financing Activities: Net increase (decrease) from other borrowings 2,843 (1,500 ) 5,500 Preferred stock dividends paid — — (524 ) Redemption of preferred stock — — (6,885 ) Common stock dividends paid (1,264 ) (1,096 ) (902 ) Common stock repurchase — (1,338 ) (28 ) Proceeds from issuance of common stock 492 220 14 Net cash used in financing activities 2,071 (3,714 ) (2,825 ) Net increase (decrease) in cash and cash equivalents 398 (2,886 ) 2,339 Cash and cash equivalents at beginning of year 575 3,461 1,122 Cash and cash equivalents at end of year $ 973 $ 575 $ 3,461

QUARTERLY FINANCIAL DATA (UNA43

QUARTERLY FINANCIAL DATA (UNAUDITED) (Tables)	12 Months Ended
	Dec. 31, 2017
QUARTERLY FINANCIAL DATA (UNAUDITED) [Abstract]
Quarterly Statement of Operations	December 31, 2017 First Quarter Second Quarter Third Quarter Fourth Quarter Total (in thousands, except per share amounts) Interest income $ 8,703 $ 9,066 $ 9,695 $ 9,927 $ 37,391 Interest expense 929 1,030 1,319 1,451 4,729 Net interest income 7,774 8,036 8,376 8,476 32,662 Provision (credit) for loan losses 144 120 159 (12 ) 411 Net interest income after provision for loan losses 7,630 7,916 8,217 8,488 32,251 Non-interest income 641 697 716 896 2,950 Non-interest expenses 5,923 6,007 6,387 6,421 24,738 Income before income taxes 2,348 2,606 2,546 2,963 10,463 Provision for income taxes 992 1,050 992 2,514 5,548 Net income $ 1,356 $ 1,556 $ 1,554 $ 449 $ 4,915 Earnings per share: Income per common share - basic $ 0.17 $ 0.19 $ 0.19 $ 0.05 $ 0.60 Income per common share - diluted $ 0.16 $ 0.18 $ 0.18 $ 0.05 $ 0.57 December 31, 2016 First Quarter Second Quarter Third Quarter Fourth Quarter Total (in thousands, except per share amounts) Interest income $ 7,444 $ 7,674 $ 8,516 $ 8,582 $ 32,216 Interest expense 723 777 807 820 3,127 Net interest income 6,721 6,897 7,709 7,762 29,089 (Credit) provision for loan losses (247 ) 61 22 116 (48 ) Net interest income after provision for loan losses 6,968 6,836 7,687 7,646 29,137 Non-interest income 579 577 559 538 2,253 Non-interest expenses 5,336 5,506 5,836 5,870 22,548 Income before income taxes 2,211 1,907 2,410 2,314 8,842 Provision for income taxes 928 782 929 974 3,613 Net income $ 1,283 $ 1,125 $ 1,481 $ 1,340 $ 5,229 Earnings per share: Income per common share - basic $ 0.16 $ 0.14 $ 0.18 $ 0.16 $ 0.64 Income per common share - diluted $ 0.15 $ 0.13 $ 0.18 $ 0.16 $ 0.62

SUMMARY OF SIGNIFICANT ACCOUN44

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2018USD ($)	Dec. 31, 2018	Dec. 31, 2017USD ($)SegmentQuarterPayment	Dec. 31, 2016USD ($)Segment	Dec. 31, 2015Segment
Business Segments [Abstract]
Number of reportable segments | Segment			1	1	1
Cash Reserve Requirement [Abstract]
Total reserve balance			$ 3,600	$ 1,600
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
Federal Home Loan Bank ("FHLB") and Federal Reserve Bank ("FRB") Stock [Abstract]
Impairment charge on equity securities with no actively traded market			$ 0	0
Bank Owned Life Insurance [Abstract]
Cash surrender value of life insurance			$ 4,500	$ 4,300
Income Tax Disclosure [Line Items]
Corporate income tax rate			34.00%	34.00%	34.00%
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
Plan [Member]
Income Tax Disclosure [Line Items]
Corporate income tax rate		21.00%
Plan [Member] | ASU 2018-02 [Member]
Income Tax Disclosure [Line Items]
Reclassification of standard tax credit within accumulated other comprehensive income to retained earnings	$ 53
Building and Improvements [Member]
Property, Plant and Equipment [Line Items]
Estimated useful life of assets			31 years 6 months
Furniture and Equipment [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful life of assets			5 years
Furniture and Equipment [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful life of assets			10 years
Electronic Equipment and Software [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful life of assets			3 years
Electronic Equipment and Software [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful life of assets			5 years
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
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
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
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
HELOC [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]
Allowance for Loan Losses and Provision for Loan Losses [Abstract]
Period past due after which loans are evaluated for impairment			90 days

INVESTMENT SECURITIES, Amortize

INVESTMENT SECURITIES, Amortized Cost and Estimated Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]
Amortized cost	$ 28,742	$ 22,731
Gross unrealized gains	191	97
Gross unrealized (losses)	(150)	(147)
Fair value	28,783	22,681
Available-for-sale Debt Securities, Amortized Cost Basis [Abstract]
Fair value	28,783	22,681
Available-for-sale Equity Securities, Amortized Cost Basis [Abstract]
Amortized cost	66	66
Fair value	156	115
Securities held-to-maturity [Abstract]
Amortized cost	7,565	9,002
Gross unrealized gains	216	298
Gross unrealized (losses)	(110)	(151)
Fair value	7,671	9,149
Available-for-sale and held to maturity securities disclosure [Abstract]
Securities pledged as collateral	36,200	31,700
U.S. Government Agency [Member] | Notes [Member]
Available-for-sale Debt Securities, Amortized Cost Basis [Abstract]
Amortized cost	14,035	5,634
Gross unrealized gains	35	0
Gross unrealized (losses)	(92)	(62)
Fair value	13,978	5,572
U.S. Government Agency [Member] | Collateralized Mortgage Obligations ("CMO") [Member]
Available-for-sale Debt Securities, Amortized Cost Basis [Abstract]
Amortized cost	14,641	17,031
Gross unrealized gains	66	48
Gross unrealized (losses)	(58)	(85)
Fair value	14,649	16,994
Equity Securities: Farmer Mac Class A Stock [Member]
Available-for-sale Debt Securities, Amortized Cost Basis [Abstract]
Fair value	156	115
Available-for-sale Equity Securities, Amortized Cost Basis [Abstract]
Amortized cost	66	66
Gross unrealized gains	90	49
Gross unrealized (losses)	0	0
Fair value	156	115
U.S. Government Agency [Member] | Mortgage Backed Securities ("MBS") [Member]
Securities held-to-maturity [Abstract]
Amortized cost	7,565	9,002
Gross unrealized gains	216	298
Gross unrealized (losses)	(110)	(151)
Fair value	$ 7,671	$ 9,149

INVESTMENT SECURITIES, Maturity

INVESTMENT SECURITIES, Maturity Periods and Weighted Average Yields (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Maturity periods and weighted average yields of investment securities available-for-sale [Abstract]
Less than one year, amount	$ 1,967	$ 1,973
Less than one year, yield	2.60%	2.60%
One to five years, amount	$ 5,195	$ 4,026
One to five years, yield	1.80%	1.40%
Five to ten years, amount	$ 18,539	$ 13,463
Five to ten years, yield	1.90%	1.10%
Over ten years, amount	$ 2,926	$ 3,104
Over ten years, yield	2.30%	1.50%
Debt securities, total amount	$ 28,783	$ 22,681
Total yield	2.00%	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	$ 2,802	$ 797
One to five years, yield	3.60%	5.00%
Five to ten years, amount	$ 4,763	$ 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	$ 7,565	$ 9,002
Total yield	3.30%	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	$ 1,967	$ 1,973
Less than one year, yield	2.60%	2.60%
One to five years, amount	$ 1,833	$ 1,963
One to five years, yield	1.60%	0.80%
Five to ten years, amount	$ 10,178	$ 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	$ 13,978	$ 5,572
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	$ 3,362	$ 2,063
One to five years, yield	1.90%	1.80%
Five to ten years, amount	$ 8,361	$ 11,827
Five to ten years, yield	1.90%	1.10%
Over ten years, amount	$ 2,926	$ 3,104
Over ten years, yield	2.30%	1.50%
Debt securities, total amount	$ 14,649	$ 16,994
Total yield	1.90%	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%
Debt securities, total amount	$ 156	$ 115
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	$ 2,802	$ 797
One to five years, yield	3.60%	5.00%
Five to ten years, amount	$ 4,763	$ 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	$ 7,565	$ 9,002
Total yield	3.30%	3.20%

INVESTMENT SECURITIES, Investme

INVESTMENT SECURITIES, Investment Securities by Contractual Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Securities available-for-sale, Amortized Cost [Abstract]
Due in one year or less	$ 1,997	$ 1,995
After one year through five years	5,220	4,027
After five years through ten years	18,506	13,508
After ten years	2,953	3,135
Farmer Mac class A stock	66	66
Amortized cost	28,742	22,731
Securities available for sale, Estimated Fair Value [Abstract]
Due in one year or less	1,967	1,973
After one year through five years	5,195	4,026
After five years through ten years	18,539	13,463
After ten years	2,926	3,104
Farmer Mac class A stock	156	115
Estimated fair value	28,783	22,681
Securities held to maturity, Amortized Cost [Abstract]
Due in one year or less	0	0
After one year through five years	2,802	797
After five years through ten years	4,763	5,531
After ten years	0	2,674
Amortized cost	7,565	9,002
Securities held to maturity, Estimated Fair Value [Abstract]
Due in one year or less	0	0
After one year through five years	2,938	864
After five years through ten years	4,733	5,762
After ten years	0	2,523
Estimated fair value	$ 7,671	$ 9,149

INVESTMENT SECURITIES, Unrealiz

INVESTMENT SECURITIES, Unrealized Loss Positions (Details) $ in Thousands	Dec. 31, 2017USD ($)Security	Dec. 31, 2016USD ($)Security
Securities available-for-sale, continuous unrealized loss position [Abstract]
Less than twelve months, gross unrealized losses	$ 78	$ 64
Less than twelve months, fair value	7,309	11,866
More than twelve months, gross unrealized losses	72	83
More than twelve months, fair value	6,536	3,237
Total, gross unrealized losses	150	147
Total, fair value	13,845	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	110	0
More than twelve months, fair value	2,496	0
Total, gross unrealized losses	110	151
Total, fair value	$ 2,496	$ 3,312
Securities in unrealized loss positions | Security	14	17
U.S. Government Agency [Member] | Notes [Member]
Securities available-for-sale, continuous unrealized loss position [Abstract]
Less than twelve months, gross unrealized losses	$ 70	$ 29
Less than twelve months, fair value	6,324	3,936
More than twelve months, gross unrealized losses	22	33
More than twelve months, fair value	3,106	1,636
Total, gross unrealized losses	92	62
Total, fair value	9,430	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	8	35
Less than twelve months, fair value	985	7,930
More than twelve months, gross unrealized losses	50	50
More than twelve months, fair value	3,430	1,601
Total, gross unrealized losses	58	85
Total, fair value	4,415	9,531
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] | 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	110	0
More than twelve months, fair value	2,496	0
Total, gross unrealized losses	110	151
Total, fair value	$ 2,496	$ 3,312

LOAN HELD FOR SALE (Details)

LOAN HELD FOR SALE (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Servicing Assets at Fair Value [Line Items]
Loans included in loans held for sale	$ 55,094	$ 61,416
SBA [Member]
Servicing Assets at Fair Value [Line Items]
Loans included in loans held for sale	18,900	26,500
Principal balance of loan serviced	10,800	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	$ 2,000	$ 1,200

LOANS HELD FOR INVESTMENT (Deta

LOANS HELD FOR INVESTMENT (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Loans held for investment [Abstract]
Loan held for investment, gross	$ 680,289	$ 570,026
Allowance for loan losses	(8,420)	(7,464)	$ (6,916)	$ (7,877)
Deferred fees, net	(652)	(453)
Discount on SBA loans	(122)	(170)
Total loans held for investment, net	671,095	561,939
Manufactured Housing [Member]
Loans held for investment [Abstract]
Loan held for investment, gross	223,115	194,222
Allowance for loan losses	(2,180)	(2,201)	(3,525)	(4,032)
Commercial Real Estate [Member]
Loans held for investment [Abstract]
Loan held for investment, gross	354,617	272,142
Allowance for loan losses	(4,844)	(3,707)	(1,853)	(1,459)
Commercial [Member]
Loans held for investment [Abstract]
Loan held for investment, gross	75,282	70,369
Allowance for loan losses	(1,133)	(1,241)	(939)	(986)
SBA [Member]
Loans held for investment [Abstract]
Loan held for investment, gross	7,424	10,164
Allowance for loan losses	(73)	(106)	(451)	(1,066)
HELOC [Member]
Loans held for investment [Abstract]
Loan held for investment, gross	9,422	10,292
Allowance for loan losses	(92)	(100)	(43)	(140)
Single Family Real Estate [Member]
Loans held for investment [Abstract]
Loan held for investment, gross	10,346	12,750
Allowance for loan losses	(98)	(109)	(103)	(192)
Consumer [Member]
Loans held for investment [Abstract]
Loan held for investment, gross	83	87
Allowance for loan losses	$ 0	$ 0	$ (2)	$ (2)

LOANS HELD FOR INVESTMENT, Fina

LOANS HELD FOR INVESTMENT, Financing Receivables Past Due (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Aging of loans held for investment [Abstract]
Current	$ 673,056	$ 566,359
Total past due	389	550
Nonaccrual	6,844	3,117	$ 6,956
Total loans held for investment	680,289	570,026
Recorded investment over 90 days and accruing	0	0
30 to 59 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total past due	389	550
60 to 89 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total past due	0	0
Over 90 Days Past Due
Aging of loans held for investment [Abstract]
Total past due	0	0
Manufactured Housing [Member]
Aging of loans held for investment [Abstract]
Current	222,342	192,878
Total past due	355	544
Nonaccrual	418	800
Total loans held for investment	223,115	194,222
Recorded investment over 90 days and accruing	0	0
Manufactured Housing [Member] | 30 to 59 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total past due	355	544
Manufactured Housing [Member] | 60 to 89 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total past due	0	0
Manufactured Housing [Member] | Over 90 Days Past Due
Aging of loans held for investment [Abstract]
Total past due	0	0
Commercial Real Estate [Member]
Aging of loans held for investment [Abstract]
Total loans held for investment	354,617	272,142
Commercial Real Estate [Member] | Commercial Real Estate [Member]
Aging of loans held for investment [Abstract]
Current	271,134	214,248
Total past due	0	0
Nonaccrual	122	141
Total loans held for investment	271,256	214,389
Recorded investment over 90 days and accruing	0	0
Commercial Real Estate [Member] | Commercial Real Estate [Member] | 30 to 59 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total past due	0	0
Commercial Real Estate [Member] | Commercial Real Estate [Member] | 60 to 89 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total past due	0	0
Commercial Real Estate [Member] | Commercial Real Estate [Member] | Over 90 Days Past Due
Aging of loans held for investment [Abstract]
Total past due	0	0
Commercial Real Estate [Member] | SBA 504 1st Trust Deed [Member]
Aging of loans held for investment [Abstract]
Current	26,463	23,167
Total past due	0	0
Nonaccrual	184	712
Total loans held for investment	26,647	23,879
Recorded investment over 90 days and accruing	0	0
Commercial Real Estate [Member] | SBA 504 1st Trust Deed [Member] | 30 to 59 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total past due	0	0
Commercial Real Estate [Member] | SBA 504 1st Trust Deed [Member] | 60 to 89 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total past due	0	0
Commercial Real Estate [Member] | SBA 504 1st Trust Deed [Member] | Over 90 Days Past Due
Aging of loans held for investment [Abstract]
Total past due	0	0
Commercial Real Estate [Member] | Land [Member]
Aging of loans held for investment [Abstract]
Current	5,092	3,167
Total past due	0	0
Nonaccrual	0	0
Total loans held for investment	5,092	3,167
Recorded investment over 90 days and accruing	0	0
Commercial Real Estate [Member] | Land [Member] | 30 to 59 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total past due	0	0
Commercial Real Estate [Member] | Land [Member] | 60 to 89 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total past due	0	0
Commercial Real Estate [Member] | Land [Member] | Over 90 Days Past Due
Aging of loans held for investment [Abstract]
Total past due	0	0
Commercial Real Estate [Member] | Construction [Member]
Aging of loans held for investment [Abstract]
Current	51,622	30,707
Total past due	0	0
Nonaccrual	0	0
Total loans held for investment	51,622	30,707
Recorded investment over 90 days and accruing	0	0
Commercial Real Estate [Member] | Construction [Member] | 30 to 59 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total past due	0	0
Commercial Real Estate [Member] | Construction [Member] | 60 to 89 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total past due	0	0
Commercial Real Estate [Member] | Construction [Member] | Over 90 Days Past Due
Aging of loans held for investment [Abstract]
Total past due	0	0
Commercial [Member]
Aging of loans held for investment [Abstract]
Current	70,481	70,332
Total past due	15	6
Nonaccrual	4,786	31
Total loans held for investment	75,282	70,369
Recorded investment over 90 days and accruing	0	0
Commercial [Member] | 30 to 59 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total past due	15	6
Commercial [Member] | 60 to 89 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total past due	0	0
Commercial [Member] | Over 90 Days Past Due
Aging of loans held for investment [Abstract]
Total past due	0	0
SBA [Member]
Aging of loans held for investment [Abstract]
Current	6,461	9,296
Total past due	19	0
Nonaccrual	944	868
Total loans held for investment	7,424	10,164
Recorded investment over 90 days and accruing	0	0
SBA [Member] | 30 to 59 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total past due	19	0
SBA [Member] | 60 to 89 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total past due	0	0
SBA [Member] | Over 90 Days Past Due
Aging of loans held for investment [Abstract]
Total past due	0	0
HELOC [Member]
Aging of loans held for investment [Abstract]
Current	9,208	9,919
Total past due	0	0
Nonaccrual	214	373
Total loans held for investment	9,422	10,292
Recorded investment over 90 days and accruing	0	0
HELOC [Member] | 30 to 59 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total past due	0	0
HELOC [Member] | 60 to 89 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total past due	0	0
HELOC [Member] | Over 90 Days Past Due
Aging of loans held for investment [Abstract]
Total past due	0	0
Single Family Real Estate [Member]
Aging of loans held for investment [Abstract]
Current	10,170	12,558
Total past due	0	0
Nonaccrual	176	192
Total loans held for investment	10,346	12,750
Recorded investment over 90 days and accruing	0	0
Single Family Real Estate [Member] | 30 to 59 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total past due	0	0
Single Family Real Estate [Member] | 60 to 89 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total past due	0	0
Single Family Real Estate [Member] | Over 90 Days Past Due
Aging of loans held for investment [Abstract]
Total past due	0	0
Consumer [Member]
Aging of loans held for investment [Abstract]
Current	83	87
Total past due	0	0
Nonaccrual	0	0
Total loans held for investment	83	87
Recorded investment over 90 days and accruing	0	0
Consumer [Member] | 30 to 59 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total past due	0	0
Consumer [Member] | 60 to 89 Days Past Due [Member]
Aging of loans held for investment [Abstract]
Total past due	0	0
Consumer [Member] | Over 90 Days Past Due
Aging of loans held for investment [Abstract]
Total past due	$ 0	$ 0

LOANS HELD FOR INVESTMENT, Allo

LOANS HELD FOR INVESTMENT, Allowance for Credit Losses by Portfolio Type (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Summary of allowance for loan losses [Roll Forward]
Beginning balance				$ 7,464				$ 6,916	$ 7,464	$ 6,916	$ 7,877
Charge-offs									(203)	(245)	(326)
Recoveries									748	841	1,639
Net (charge-offs) recoveries									545	596	1,313
Provision (credit)	$ (12)	$ 159	$ 120	144	$ 116	$ 22	$ 61	(247)	411	(48)	(2,274)
Ending balance	8,420				7,464				8,420	7,464	6,916
Reserve for credit losses on undisbursed loans	95				125				95	125
Manufactured Housing [Member]
Summary of allowance for loan losses [Roll Forward]
Beginning balance				2,201				3,525	2,201	3,525	4,032
Charge-offs									(119)	(123)	(297)
Recoveries									142	128	205
Net (charge-offs) recoveries									23	5	(92)
Provision (credit)									(44)	(1,329)	(415)
Ending balance	2,180				2,201				2,180	2,201	3,525
Commercial Real Estate [Member]
Summary of allowance for loan losses [Roll Forward]
Beginning balance				3,707				1,853	3,707	1,853	1,459
Charge-offs									0	0	0
Recoveries									249	132	545
Net (charge-offs) recoveries									249	132	545
Provision (credit)									888	1,722	(151)
Ending balance	4,844				3,707				4,844	3,707	1,853
Commercial [Member]
Summary of allowance for loan losses [Roll Forward]
Beginning balance				1,241				939	1,241	939	986
Charge-offs									0	0	0
Recoveries									161	136	422
Net (charge-offs) recoveries									161	136	422
Provision (credit)									(269)	166	(469)
Ending balance	1,133				1,241				1,133	1,241	939
SBA [Member]
Summary of allowance for loan losses [Roll Forward]
Beginning balance				106				451	106	451	1,066
Charge-offs									(30)	(121)	0
Recoveries									177	266	454
Net (charge-offs) recoveries									147	145	454
Provision (credit)									(180)	(490)	(1,069)
Ending balance	73				106				73	106	451
HELOC [Member]
Summary of allowance for loan losses [Roll Forward]
Beginning balance				100				43	100	43	140
Charge-offs									0	0	0
Recoveries									18	86	10
Net (charge-offs) recoveries									18	86	10
Provision (credit)									(26)	(29)	(107)
Ending balance	92				100				92	100	43
Single Family Real Estate [Member]
Summary of allowance for loan losses [Roll Forward]
Beginning balance				109				103	109	103	192
Charge-offs									(54)	0	(29)
Recoveries									1	93	3
Net (charge-offs) recoveries									(53)	93	(26)
Provision (credit)									42	(87)	(63)
Ending balance	98				109				98	109	103
Consumer [Member]
Summary of allowance for loan losses [Roll Forward]
Beginning balance				$ 0				$ 2	0	2	2
Charge-offs									0	(1)	0
Recoveries									0	0	0
Net (charge-offs) recoveries									0	(1)	0
Provision (credit)									0	(1)	0
Ending balance	$ 0				$ 0				$ 0	$ 0	$ 2

LOANS HELD FOR INVESTMENT, Impa

LOANS HELD FOR INVESTMENT, Impaired Financing Receivables (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Recorded Investment [Abstract]
Impaired loans with an allowance recorded	$ 12,352	$ 13,080
Impaired loans with no allowance recorded	8,275	4,463
Total loans individually evaluated for impairment	20,627	17,543
Loans collectively evaluated for impairment	659,662	552,483
Total loans held for investment	680,289	570,026
Unpaid Principal Balance [Abstract]
Impaired loans with an allowance recorded	12,462	13,301
Impaired loans with no allowance recorded	9,865	6,512
Total loans individually evaluated for impairment	22,327	19,813
Loans collectively evaluated for impairment	659,662	552,483
Total loans held for investment	681,989	572,296
Related Allowance for Credit Losses [Abstract]
Impaired loans with an allowance recorded	524	759
Impaired loans with no allowance recorded	0	0
Total loans individually evaluated for impairment	524	759
Loans collectively evaluated for impairment	7,896	6,705
Total loans held for investment	8,420	7,464
Impaired loans with a specific valuation allowance under ASC 310	12,352	13,080
Impaired loans without a specific valuation allowance under ASC 310	8,275	4,463
Total impaired loans	20,627	17,543
Valuation allowance related to impaired loans	524	759
Loans Guaranteed by Government Agencies [Member]
Related Allowance for Credit Losses [Abstract]
Total impaired loans	2,600	1,000
Manufactured Housing [Member]
Recorded Investment [Abstract]
Impaired loans with an allowance recorded	5,830	6,065
Impaired loans with no allowance recorded	2,163	2,846
Total loans individually evaluated for impairment	7,993	8,911
Loans collectively evaluated for impairment	215,122	185,311
Total loans held for investment	223,115	194,222
Unpaid Principal Balance [Abstract]
Impaired loans with an allowance recorded	5,836	6,133
Impaired loans with no allowance recorded	3,328	4,369
Total loans individually evaluated for impairment	9,164	10,502
Loans collectively evaluated for impairment	215,122	185,311
Total loans held for investment	224,286	195,813
Related Allowance for Credit Losses [Abstract]
Impaired loans with an allowance recorded	427	548
Impaired loans with no allowance recorded	0	0
Total loans individually evaluated for impairment	427	548
Loans collectively evaluated for impairment	1,753	1,653
Total loans held for investment	2,180	2,201
Impaired loans with a specific valuation allowance under ASC 310	5,830	6,065
Impaired loans without a specific valuation allowance under ASC 310	2,163	2,846
Total impaired loans	7,993	8,911
Valuation allowance related to impaired loans	427	548
Commercial Real Estate [Member]
Recorded Investment [Abstract]
Impaired loans with an allowance recorded	557	1,112
Impaired loans with no allowance recorded	0	0
Total loans individually evaluated for impairment	557	1,112
Loans collectively evaluated for impairment	354,060	271,030
Total loans held for investment	354,617	272,142
Unpaid Principal Balance [Abstract]
Impaired loans with an allowance recorded	661	1,253
Impaired loans with no allowance recorded	0	0
Total loans individually evaluated for impairment	661	1,253
Loans collectively evaluated for impairment	354,060	271,030
Total loans held for investment	354,721	272,283
Related Allowance for Credit Losses [Abstract]
Impaired loans with an allowance recorded	11	17
Impaired loans with no allowance recorded	0	0
Total loans individually evaluated for impairment	11	17
Loans collectively evaluated for impairment	4,833	3,690
Total loans held for investment	4,844	3,707
Impaired loans with a specific valuation allowance under ASC 310	557	1,112
Impaired loans without a specific valuation allowance under ASC 310	0	0
Valuation allowance related to impaired loans	11	17
Commercial [Member]
Recorded Investment [Abstract]
Impaired loans with an allowance recorded	3,551	3,749
Impaired loans with no allowance recorded	5,023	31
Total loans individually evaluated for impairment	8,574	3,780
Loans collectively evaluated for impairment	66,708	66,589
Total loans held for investment	75,282	70,369
Unpaid Principal Balance [Abstract]
Impaired loans with an allowance recorded	3,551	3,749
Impaired loans with no allowance recorded	5,042	31
Total loans individually evaluated for impairment	8,593	3,780
Loans collectively evaluated for impairment	66,708	66,589
Total loans held for investment	75,301	70,369
Related Allowance for Credit Losses [Abstract]
Impaired loans with an allowance recorded	50	165
Impaired loans with no allowance recorded	0	0
Total loans individually evaluated for impairment	50	165
Loans collectively evaluated for impairment	1,083	1,076
Total loans held for investment	1,133	1,241
Impaired loans with a specific valuation allowance under ASC 310	3,551	3,749
Impaired loans without a specific valuation allowance under ASC 310	5,023	31
Total impaired loans	8,574	3,780
Valuation allowance related to impaired loans	50	165
SBA [Member]
Recorded Investment [Abstract]
Impaired loans with an allowance recorded	281	70
Impaired loans with no allowance recorded	699	1,067
Total loans individually evaluated for impairment	980	1,137
Loans collectively evaluated for impairment	6,444	9,027
Total loans held for investment	7,424	10,164
Unpaid Principal Balance [Abstract]
Impaired loans with an allowance recorded	281	70
Impaired loans with no allowance recorded	1,026	1,538
Total loans individually evaluated for impairment	1,307	1,608
Loans collectively evaluated for impairment	6,444	9,027
Total loans held for investment	7,751	10,635
Related Allowance for Credit Losses [Abstract]
Impaired loans with an allowance recorded	1	0
Impaired loans with no allowance recorded	0	0
Total loans individually evaluated for impairment	1	0
Loans collectively evaluated for impairment	72	106
Total loans held for investment	73	106
Impaired loans with a specific valuation allowance under ASC 310	281	70
Impaired loans without a specific valuation allowance under ASC 310	699	1,067
Total impaired loans	980	1,137
Valuation allowance related to impaired loans	1	0
HELOC [Member]
Recorded Investment [Abstract]
Impaired loans with an allowance recorded	0	45
Impaired loans with no allowance recorded	214	328
Total loans individually evaluated for impairment	214	373
Loans collectively evaluated for impairment	9,208	9,919
Total loans held for investment	9,422	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	9,208	9,919
Total loans held for investment	9,457	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	92	99
Total loans held for investment	92	100
Impaired loans with a specific valuation allowance under ASC 310	0	45
Impaired loans without a specific valuation allowance under ASC 310	214	328
Total impaired loans	214	373
Valuation allowance related to impaired loans	0	1
Single Family Real Estate [Member]
Recorded Investment [Abstract]
Impaired loans with an allowance recorded	2,133	2,039
Impaired loans with no allowance recorded	176	191
Total loans individually evaluated for impairment	2,309	2,230
Loans collectively evaluated for impairment	8,037	10,520
Total loans held for investment	10,346	12,750
Unpaid Principal Balance [Abstract]
Impaired loans with an allowance recorded	2,133	2,039
Impaired loans with no allowance recorded	220	226
Total loans individually evaluated for impairment	2,353	2,265
Loans collectively evaluated for impairment	8,037	10,520
Total loans held for investment	10,390	12,785
Related Allowance for Credit Losses [Abstract]
Impaired loans with an allowance recorded	35	28
Impaired loans with no allowance recorded	0	0
Total loans individually evaluated for impairment	35	28
Loans collectively evaluated for impairment	63	81
Total loans held for investment	98	109
Impaired loans with a specific valuation allowance under ASC 310	2,133	2,039
Impaired loans without a specific valuation allowance under ASC 310	176	191
Total impaired loans	2,309	2,230
Valuation allowance related to impaired loans	35	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	83	87
Total loans held for investment	83	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	83	87
Total loans held for investment	83	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
Total impaired loans	0	0
Valuation allowance related to impaired loans	$ 0	$ 0

LOANS HELD FOR INVESTMENT, Im54

LOANS HELD FOR INVESTMENT, Impaired Loans by Class of Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Impaired financing receivable recorded investment net [Abstract]
Impaired loans	$ 20,627	$ 17,543
Manufactured Housing [Member]
Impaired financing receivable recorded investment net [Abstract]
Impaired loans	7,993	8,911
Commercial Real Estate [Member] | Commercial Real Estate [Member]
Impaired financing receivable recorded investment net [Abstract]
Impaired loans	122	142
Commercial Real Estate [Member] | SBA 504 1st Trust Deed [Member]
Impaired financing receivable recorded investment net [Abstract]
Impaired loans	435	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	8,574	3,780
SBA [Member]
Impaired financing receivable recorded investment net [Abstract]
Impaired loans	980	1,137
HELOC [Member]
Impaired financing receivable recorded investment net [Abstract]
Impaired loans	214	373
Single Family Real Estate [Member]
Impaired financing receivable recorded investment net [Abstract]
Impaired loans	2,309	2,230
Consumer [Member]
Impaired financing receivable recorded investment net [Abstract]
Impaired loans	$ 0	$ 0

LOANS HELD FOR INVESTMENT, Aver

LOANS HELD FOR INVESTMENT, Average Investment in Impaired Loans by Class (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Average recorded investment and interest income recognized [Abstract]
Average investment in impaired loans	$ 16,484	$ 17,285	$ 16,302
Interest income	1,142	1,148	933
Manufactured Housing [Member]
Average recorded investment and interest income recognized [Abstract]
Average investment in impaired loans	7,616	8,495	7,607
Interest income	659	678	692
Commercial Real Estate [Member] | Commercial Real Estate [Member]
Average recorded investment and interest income recognized [Abstract]
Average investment in impaired loans	121	572	1,420
Interest income	1	3	0
Commercial Real Estate [Member] | SBA 504 1st Trust Deed [Member]
Average recorded investment and interest income recognized [Abstract]
Average investment in impaired loans	502	1,445	1,485
Interest income	19	38	80
Commercial Real Estate [Member] | Land [Member]
Average recorded investment and interest income recognized [Abstract]
Average investment in impaired loans	0	0	0
Interest income	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
Interest income	0	0	0
Commercial [Member]
Average recorded investment and interest income recognized [Abstract]
Average investment in impaired loans	5,176	3,276	2,925
Interest income	339	215	0
SBA [Member]
Average recorded investment and interest income recognized [Abstract]
Average investment in impaired loans	797	931	1,089
Interest income	21	98	69
HELOC [Member]
Average recorded investment and interest income recognized [Abstract]
Average investment in impaired loans	259	400	172
Interest income	0	8	11
Single Family Real Estate [Member]
Average recorded investment and interest income recognized [Abstract]
Average investment in impaired loans	2,013	2,166	1,604
Interest income	103	108	81
Consumer [Member]
Average recorded investment and interest income recognized [Abstract]
Average investment in impaired loans	0	0	0
Interest income	$ 0	$ 0	$ 0

LOANS HELD FOR INVESTMENT, Reco

LOANS HELD FOR INVESTMENT, Recorded Investment in Certain Types of Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	$ 6,844	$ 3,117	$ 6,956
SBA guaranteed portion of loans included above	2,372	742	1,943
Troubled debt restructured loans, gross	16,603	14,437	13,741
Loans 30 through 89 days past due with interest accruing	0	0	0
Interest income recognized on impaired loans	1,142	1,148	933
Foregone interest on nonaccrual and troubled debt restructured loans	$ 379	$ 412	$ 761
Allowance for loan losses to gross loans held for investment	1.24%	1.31%	1.44%
Period past due after which accrual of interest is discontinued	90 days
Loans Guaranteed by Government Agencies [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	$ 2,400	$ 700
SBA [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	944	868
Interest income recognized on impaired loans	$ 21	$ 98	$ 69

LOANS HELD FOR INVESTMENT, Nona

LOANS HELD FOR INVESTMENT, Nonaccrual Loans, Net of SBA Guarantee (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]
Nonaccrual loans	$ 6,844	$ 3,117	$ 6,956
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	$ 2,400	700
Manufactured Housing [Member]
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]
Nonaccrual loans	418	800
Commercial Real Estate [Member] | Commercial Real Estate [Member]
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]
Nonaccrual loans	122	141
Commercial Real Estate [Member] | SBA 504 1st Trust Deed [Member]
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]
Nonaccrual loans	184	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	4,786	31
SBA [Member]
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]
Nonaccrual loans	944	868
HELOC [Member]
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]
Nonaccrual loans	214	373
Single Family Real Estate [Member]
Composition of Nonaccrual Loans, net of SBA guarantee [Abstract]
Nonaccrual loans	176	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	Dec. 31, 2017	Dec. 31, 2016
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	$ 677,101	$ 568,656
Total loans held for investment	680,289	570,026
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	662,680	554,191
Total loans held for investment	662,680	554,191
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	2,709	9,364
Total loans held for investment	2,709	9,364
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment, net	11,712	5,101
Total loans held for investment	14,900	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	3,188	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	3,188	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	223,115	194,222
Manufactured Housing [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	222,429	191,784
Manufactured Housing [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	0
Manufactured Housing [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	686	2,438
Manufactured Housing [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	0
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	354,617	272,142
Commercial Real Estate [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	271,256	214,389
Commercial Real Estate [Member] | Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	271,134	212,259
Commercial Real Estate [Member] | Commercial Real Estate [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	1,988
Commercial Real Estate [Member] | Commercial Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	122	142
Commercial Real Estate [Member] | Commercial Real Estate [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	0
Commercial Real Estate [Member] | SBA 504 1st Trust Deed [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	26,647	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	25,973	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	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	674	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	0	0
Commercial Real Estate [Member] | Land [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	5,092	3,167
Commercial Real Estate [Member] | Land [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	5,092	3,167
Commercial Real Estate [Member] | Land [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	0
Commercial Real Estate [Member] | Land [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	0
Commercial Real Estate [Member] | Land [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	0
Commercial Real Estate [Member] | Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	51,622	30,707
Commercial Real Estate [Member] | Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	49,832	30,707
Commercial Real Estate [Member] | Construction [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	1,790	0
Commercial Real Estate [Member] | Construction [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	0
Commercial Real Estate [Member] | Construction [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	0
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	75,282	70,369
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	73,443	70,369
Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	64,543	63,002
Commercial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	817	7,268
Commercial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	8,083	99
Commercial [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	0
SBA [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	7,424	10,164
SBA [Member] | Non-guaranteed [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	6,075	8,794
SBA [Member] | Non-guaranteed [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	4,221	8,297
SBA [Member] | Non-guaranteed [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	102	108
SBA [Member] | Non-guaranteed [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	1,752	389
SBA [Member] | Non-guaranteed [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	0
HELOC [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	9,422	10,292
HELOC [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	9,208	9,671
HELOC [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	0
HELOC [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	214	621
HELOC [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	0
Single Family Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	10,346	12,750
Single Family Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	10,165	12,553
Single Family Real Estate [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	0
Single Family Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	181	197
Single Family Real Estate [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	0
Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	83	87
Consumer [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	83	87
Consumer [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	0
Consumer [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	0
Consumer [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	$ 0	$ 0

LOANS HELD FOR INVESTMENT, Trou

LOANS HELD FOR INVESTMENT, Troubled Debt Restructuring (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2017USD ($)Loan	Dec. 31, 2016USD ($)Loan	Dec. 31, 2015USD ($)Loan
Financing Receivable, Modifications [Line Items]
Number of loans | Loan	16	33	31
Pre-modification recorded investment	$ 4,244	$ 3,432	$ 4,829
Post modification recorded investment	4,244	3,432	4,819
Balance of loans	16,603	14,437	13,741
Effect on allowance for loan losses	$ 90	$ 132	151
Average rate concessions	0.83%	0.78%
Average extension	127 months	147 months
Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Balance of loans	$ 894	$ 2,008	4,219
Term Extension [Member]
Financing Receivable, Modifications [Line Items]
Balance of loans	$ 4,244	$ 3,432	$ 4,672
Manufactured Housing [Member]
Financing Receivable, Modifications [Line Items]
Number of loans | Loan	11	25	27
Pre-modification recorded investment	$ 894	$ 1,903	$ 2,400
Post modification recorded investment	894	1,903	2,390
Effect on allowance for loan losses	48	112	109
Manufactured Housing [Member] | Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Balance of loans	894	1,903	2,087
Manufactured Housing [Member] | Term Extension [Member]
Financing Receivable, Modifications [Line Items]
Balance of loans	$ 894	$ 1,903	$ 2,243
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of loans | Loan		5	1
Pre-modification recorded investment		$ 1,075	$ 161
Post modification recorded investment		1,075	161
Effect on allowance for loan losses		13	2
Commercial Real Estate [Member] | Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Balance of loans		0	161
Commercial Real Estate [Member] | Term Extension [Member]
Financing Receivable, Modifications [Line Items]
Balance of loans		$ 1,075	$ 161
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Number of loans | Loan	3
Pre-modification recorded investment	$ 3,052
Post modification recorded investment	3,052
Effect on allowance for loan losses	41
Commercial [Member] | Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Balance of loans	0
Commercial [Member] | Term Extension [Member]
Financing Receivable, Modifications [Line Items]
Balance of loans	$ 3,052
SBA [Member]
Financing Receivable, Modifications [Line Items]
Number of loans | Loan	2	1	1
Pre-modification recorded investment	$ 298	$ 92	$ 297
Post modification recorded investment	298	92	297
Effect on allowance for loan losses	1	0	5
SBA [Member] | Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Balance of loans	0	0	0
SBA [Member] | Term Extension [Member]
Financing Receivable, Modifications [Line Items]
Balance of loans	$ 298	$ 92	$ 297
HELOC [Member]
Financing Receivable, Modifications [Line Items]
Number of loans | Loan		1	1
Pre-modification recorded investment		$ 257	$ 54
Post modification recorded investment		257	54
Effect on allowance for loan losses		0	0
HELOC [Member] | Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Balance of loans		0	54
HELOC [Member] | Term Extension [Member]
Financing Receivable, Modifications [Line Items]
Balance of loans		$ 257	$ 54
Single Family Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of loans | Loan		1	1
Pre-modification recorded investment		$ 105	$ 1,917
Post modification recorded investment		105	1,917
Effect on allowance for loan losses		7	35
Single Family Real Estate [Member] | Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Balance of loans		105	1,917
Single Family Real Estate [Member] | Term Extension [Member]
Financing Receivable, Modifications [Line Items]
Balance of loans		$ 105	$ 1,917

LOANS HELD FOR INVESTMENT, Tr60

LOANS HELD FOR INVESTMENT, Troubled Debt Restructured Loans With Payment Defaults (Details)	12 Months Ended
	Dec. 31, 2017Nonpayment
LOANS HELD FOR INVESTMENT [Abstract]
Number of consecutive non-payments for a TDR loan to be deemed default	2

LOANS HELD FOR INVESTMENT, Rela

LOANS HELD FOR INVESTMENT, Related Parties (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Loans and Leases Receivable, Related Parties [Roll Forward]
Balance, beginning	$ 943	$ 4,294
New loans	2,741	125
Repayments and other	(179)	(3,476)
Balance, ending	3,505	943
Loan commitments outstanding with related parties	$ 300	$ 300

PREMISES AND EQUIPMENT (Details

PREMISES AND EQUIPMENT (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Premises and equipment [Abstract]
Premises and equipment, gross	$ 16,565	$ 14,232
Accumulated depreciation	(10,984)	(10,301)
Premises and equipment, net	5,581	3,931
Minimum lease commitments [Abstract]
2,018	1,258
2,019	1,209
2,020	1,157
2,021	1,085
2,022	963
Thereafter	3,173
Total	8,845
Rent expense included in occupancy expense	1,200	1,000	$ 900
Depreciation expense included in occupancy expense	685	678	$ 399
Bank Premises and Land [Member]
Premises and equipment [Abstract]
Premises and equipment, gross	1,355	1,355
Furniture, Fixtures and Equipment [Member]
Premises and equipment [Abstract]
Premises and equipment, gross	10,241	9,387
Leasehold Improvements [Member]
Premises and equipment [Abstract]
Premises and equipment, gross	4,025	3,036
Construction in Progress [Member]
Premises and equipment [Abstract]
Premises and equipment, gross	$ 944	$ 454

OTHER ASSETS ACQUIRED THROUGH63

OTHER ASSETS ACQUIRED THROUGH FORECLOSURE (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
OTHER ASSETS ACQUIRED THROUGH FORECLOSURE [Abstract]
Balance, beginning of period	$ 137	$ 198	$ 137
Additions	501	350	609
Proceeds from dispositions	(416)	(395)	(538)
Gains (loss) on sales, net	150	(16)	(10)
Balance, end of period	$ 372	$ 137	$ 198

INCOME TAXES (Details)

INCOME TAXES (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Current [Abstract]
Federal										$ 3,722	$ 3,000	$ 1,569
State										1,298	1,022	590
Current income tax expense (benefit)										5,020	4,022	2,159
Deferred [Abstract]
Federal										701	(338)	4
State										(173)	(71)	(25)
Deferred income tax expense (benefit)										528	(409)	(21)
Total provision for income taxes	$ 2,514	$ 992	$ 1,050	$ 992	$ 974	$ 929	$ 782	$ 928		$ 5,548	$ 3,613	$ 2,138
Reconciliation between statutory income tax rate and effective tax rate [Abstract]
Federal income tax at statutory rate										34.00%	34.00%	34.00%
State franchise tax, net of federal benefit										7.20%	7.20%	7.20%
Other										(0.40%)	(0.30%)	1.50%
Tax law change										12.20%	0.00%	0.00%
Total provision for income taxes										53.00%	40.90%	42.70%
Deferred Tax Assets [Abstract]
Allowance for loan losses	2,514				3,006					$ 2,514	$ 3,006
Unrealized loss of AFS securities	0				20					0	20
Other	1,562				1,734					1,562	1,734
Total gross deferred tax assets	4,076				4,760					4,076	4,760
Deferred tax asset valuation allowance	0				0					0	0
Total deferred tax assets	4,076				4,760					4,076	4,760
Deferred Tax Liabilities [Abstract]
Deferred state taxes	(233)				(319)					(233)	(319)
Depreciation	(142)				(197)					(142)	(197)
Unrealized gain on AFS securities	(11)				0					(11)	0
Other	(521)				(511)					(521)	(511)
Total deferred tax liabilities	(907)				(1,027)					(907)	(1,027)
Net deferred tax asset	3,169				$ 3,733					3,169	$ 3,733
Income tax expense										1,300
Uncertain tax positions	$ 0									$ 0
Plan [Member]
Reconciliation between statutory income tax rate and effective tax rate [Abstract]
Federal income tax at statutory rate									21.00%

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Summary of deposits by type [Abstract]
Non-interest bearing demand deposits	$ 108,500	$ 100,372
Interest-bearing deposits [Abstract]
NOW accounts	24,863	18,111
Money market deposit account	231,854	234,912
Savings accounts	14,085	14,007
Time deposits of $250,000 or more	81,985	77,509
Other time deposits	238,397	167,325
Total deposits	699,684	612,236
Deposit liabilities that may be immediately withdrawn	379,300
Maturities of time certificates [Abstract]
2,018	251,934
2,019	52,313
2,020	12,614
2,021	3,031
2,022	490
Thereafter	0
Total	320,382
Deposits with CDARS	32,100	46,700
Deposits from related parties	$ 23,600	$ 20,500

OTHER BORROWINGS (Details)

OTHER BORROWINGS (Details) - USD ($)	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Jul. 31, 2017
FHLB advances by maturity date [Abstract]
Amount	$ 50,000,000	$ 25,000,000
Financial Home Loan Bank Advances [Abstract]
Letter of credit with FHLB	125,000,000
Securities pledged to FHLB	36,200,000	31,700,000
Loans pledged to FHLB	235,400,000	161,300,000
Available for additional borrowing	63,900,000	56,800,000
Total FHLB interest expense	$ 300,000	$ 30,000	$ 100,000
Weighted Average [Member]
FHLB advances by maturity date [Abstract]
Rate	1.43%	0.59%
FHLB Advance January 3, 2017 [Member]
FHLB advances by maturity date [Abstract]
Amount	$ 0	$ 5,000,000
Rate	0.00%	0.52%
Maturity date	Jan. 3, 3017
FHLB Advance January 9, 2017 [Member]
FHLB advances by maturity date [Abstract]
Amount	$ 0	$ 5,000,000
Rate	0.00%	0.47%
Maturity date	Jan. 9, 2017
FHLB Advance January 23, 2017 [Member]
FHLB advances by maturity date [Abstract]
Amount	$ 0	$ 5,000,000
Rate	0.00%	0.59%
Maturity date	Jan. 23, 2017
FHLB Advance March 20, 2017 [Member]
FHLB advances by maturity date [Abstract]
Amount	$ 0	$ 5,000,000
Rate	0.00%	0.67%
Maturity date	Mar. 20, 2017
FHLB Advance April 17, 2017 [Member]
FHLB advances by maturity date [Abstract]
Amount	$ 0	$ 5,000,000
Rate	0.00%	0.70%
Maturity date	Apr. 17, 2017
FHLB Advance January 2, 2018 [Member]
FHLB advances by maturity date [Abstract]
Amount	$ 25,000,000	$ 0
Rate	1.40%	0.00%
Maturity date	Jan. 2, 2018
FHLB Advance January 16, 2018 [Member]
FHLB advances by maturity date [Abstract]
Amount	$ 10,000,000	$ 0
Rate	1.42%	0.00%
Maturity date	Jan. 16, 2018
FHLB Advance January 29, 2018 [Member]
FHLB advances by maturity date [Abstract]
Amount	$ 5,000,000	$ 0
Rate	1.45%	0.00%
Maturity date	Jan. 29, 2018
FHLB Advance February 20, 2018 [Member]
FHLB advances by maturity date [Abstract]
Amount	$ 5,000,000	$ 0
Rate	1.49%	0.00%
Maturity date	Feb. 20, 2018
FHLB Advance March 1, 2018 [Member]
FHLB advances by maturity date [Abstract]
Amount	$ 5,000,000	$ 0
Rate	1.47%	0.00%
Maturity date	Mar. 1, 2018
Federal Reserve Bank Advances [Member]
Line of Credit [Abstract]
Outstanding balance	$ 0	$ 0
Period for advances to be collateralized	28 days
Available borrowing capacity	$ 104,300,000	95,100,000
Line of Credit [Member]
Line of Credit [Abstract]
Term of agreement	1 year
Maximum borrowing capacity				$ 15,000,000
Outstanding balance	$ 6,800,000
Interest rate	5.32%
Percentage of compensating deposit with the lender	25.00%
Compensating deposit	$ 1,700,000	$ 1,000,000
Minimum debt service coverage ratio	1.65
Minimum Tier 1 leverage ratio	7.00%
Minimum total risk-based capital ratio	10.00%

OTHER BORROWINGS, Federal Funds

OTHER BORROWINGS, Federal Funds Purchased Lines (Details) - USD ($) $ in Millions	Dec. 31, 2017	Dec. 31, 2016
Federal Funds Purchased Lines [Abstract]
Federal funds borrowing lines at correspondent banks	$ 20
Federal funds amount outstanding	$ 0	$ 0

COMMITMENTS AND CONTINGENCIES68

COMMITMENTS AND CONTINGENCIES (Details) - USD ($)	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contractual amounts for unfunded commitments and letters of credit	$ 68,812,000	$ 82,954,000
Unfunded Commitments and Letters of Credit [Abstract]
Loss contingency for unfunded loan commitments and letters of credit	95,000	125,000
Loan Sales and Servicing [Abstract]
Outstanding balance of the sold portion loans	$ 12,800,000	15,400,000
Salary Continuation [Abstract]
Maximum period of monthly cash payment to the officer or beneficiaries in the event of death, disability or retirement	15 years
Insurance policy purchased	$ 2,900,000
Annual payment to former officer	$ 50,000
Remaining period of contractual obligation	1 year
Salary continuation liability accrual	$ 500,000	400,000
Cash surrender value of life insurance	$ 4,500,000	$ 4,300,000
Manufactured Housing [Member]
Concentrations of Lending Activities [Abstract]
Percentage of loans to total loans	30.40%	30.80%
Commercial Real Estate [Member]
Concentrations of Lending Activities [Abstract]
Percentage of loans to total loans	48.30%	43.10%
Loans secured by first liens, average loan to value ratio	55.00%	54.60%
Commercial Real Estate [Member] | Owner Occupied [Member]
Concentrations of Lending Activities [Abstract]
Percentage of Commercial Real Estate loans	33.90%	32.30%
Commitments to Extend Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contractual amounts for unfunded commitments and letters of credit	$ 68,812,000	$ 82,954,000
Standby Letters of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contractual amounts for unfunded commitments and letters of credit	$ 0	$ 0

STOCKHOLDERS' EQUITY, Preferred

STOCKHOLDERS' EQUITY, Preferred Stock (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Class of Stock [Line Items]
Preferred stock redemption and discount			$ 6,885
Discount on partial redemption of preferred stock	$ 0	$ 0	$ 129
Series A Preferred Stock [Member]
Class of Stock [Line Items]
Preferred stock dividend rate for first five years	5.00%
Preferred stock dividend rate after first five years	9.00%
Number of preferred stock redemption (in shares)			7,014
Preferred stock redemption and discount			$ 6,900
Discount on partial redemption of preferred stock			$ 100

STOCKHOLDERS' EQUITY, Common St

STOCKHOLDERS' EQUITY, Common Stock Warrants and Common Stock (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Class of Stock [Line Items]
Common stock dividend paid	$ 1,264	$ 1,096	$ 902
Common Stock Warrant [Member]
Class of Warrant or Right [Line Items]
Number of shares that can be issued against warrants (in shares)	521,158
Exercise price of warrants (in dollars per shares)	$ 4.49
Term of warrants	10 years
Common Stock [Member]
Class of Stock [Line Items]
Common stock dividend paid	$ 1,300	$ 1,100
Common Stock [Member] | Stock Repurchase Program [Member]
Class of Stock [Line Items]
Period in which common stock repurchase program is expected to be executed	2 years
Common stock shares repurchased to date (in shares)	187,569
Common stock shares repurchased to date, value	$ 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
Common Stock [Member] | Stock Repurchase Program [Member] | Maximum [Member]
Class of Stock [Line Items]
Amount of common stock repurchase program authorized	$ 3,000

STOCKHOLDERS' EQUITY, Stock Opt

STOCKHOLDERS' EQUITY, Stock Option Plans (Details) - USD ($)	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unvested stock option expense	$ 700,000	$ 700,000	$ 700,000
Period for recognition of stock option expense	3 years 3 months 18 days	3 years 6 months	3 years 9 months 18 days
Intrinsic value of options exercised	$ 500,000	$ 300,000	$ 34,000
Option-pricing model assumptions [Abstract]
Expected life in years	6 years 4 months 24 days	6 years 6 months	6 years 6 months
Risk-free interest rate	2.04%	1.62%	1.77%
Expected volatility	44.10%	49.50%	64.90%
Annual dividend rate	1.49%	1.73%	1.00%
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period	5 years
Contractual life	10 years
Number of shares available for grant (in shares)	258,000
Option Shares [Roll Forward]
Outstanding options, beginning of period (in shares)	705,000	665,000	457,000
Granted (in shares)	159,000	192,000	243,000
Exercised (in shares)	(97,000)	(74,000)	(7,000)
Forfeited or expired (in shares)	(87,000)	(78,000)	(28,000)
Outstanding options, end of period (in shares)	680,000	705,000	665,000
Options exercisable, end of period (in shares)	319,000	301,000	322,000
Options expected to vest, end of period (in shares)	576,000	282,000	233,000
Weighted Average Exercise Price [Abstract]
Outstanding options, beginning of period (in dollars per share)	$ 6.41	$ 6.03	$ 5.61
Granted (in dollars per share)	10.15	7.12	6.70
Exercised (in dollars per share)	5.05	2.99	2.08
Forfeited or expired (in dollars per share)	8.57	8.12	5.82
Outstanding options, end of period (in dollars per share)	7.21	6.41	6.03
Options exercisable, end of period (in dollars per share)	6.35	5.86	5.75
Options expected to vest, end of period (in dollars per share)	$ 7.03	$ 6.83	$ 6.08
Weighted Average Remaining Term [Abstract]
Outstanding options	7 years 6 months	7 years 3 months 18 days	7 years 4 months 24 days
Options exercisable	6 years 7 months 6 days	5 years 8 months 12 days	6 years
Options expected to vest	7 years 3 months 18 days	7 years 1 month 6 days	7 years 1 month 6 days
Aggregate Intrinsic Value [Abstract]
Outstanding options, end of period	$ 2,342,000	$ 2,057,000	$ 914,000
Options exercisable, end of period	1,371,000	1,082,000	666,000
Options expected to vest, end of period	$ 719,000	$ 696,000	$ 219,000
Number of Option Shares [Roll Forward]
Unvested options, beginning of period (in shares)	404,000
Granted (in shares)	159,000	192,000	243,000
Vested (in shares)	(155,000)
Forfeited (in shares)	(47,000)
Unvested options, end of period (in shares)	361,000	404,000
Weighted Average Grant-Date Fair Value [Roll Forward]
Unvested options, beginning of period (in dollars per share)	$ 3.41
Granted (in dollars per share)	4
Vested (in dollars per share)	3.51
Forfeited (in dollars per share)	3.53
Unvested options, end of period (in dollars per share)	$ 3.61	$ 3.41

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Reconciliation of basic and diluted earnings per share [Abstract]
Net income	$ 449	$ 1,554	$ 1,556	$ 1,356	$ 1,340	$ 1,481	$ 1,125	$ 1,283	$ 4,915	$ 5,229	$ 2,870
Less: dividends and accretion on preferred stock									0	0	445
Discount on partial redemption									0	0	(129)
Net income available to common stockholders									4,915	5,229	2,554
Add: debenture interest expense and costs, net of income taxes									0	0	0
Net income for diluted calculation of earnings per common share									$ 4,915	$ 5,229	$ 2,554
Weighted average number of common shares outstanding - basic (in shares)									8,146	8,114	8,203
Weighted average number of common shares outstanding - diluted (in shares)									8,589	8,444	8,491
Earnings per share [Abstract]
Basic (in dollars per share)	$ 0.05	$ 0.19	$ 0.19	$ 0.17	$ 0.16	$ 0.18	$ 0.14	$ 0.16	$ 0.60	$ 0.64	$ 0.31
Diluted (in dollars per share)	$ 0.05	$ 0.18	$ 0.18	$ 0.16	$ 0.16	$ 0.18	$ 0.13	$ 0.15	$ 0.57	$ 0.62	$ 0.30

CAPITAL REQUIREMENTS (Details)

CAPITAL REQUIREMENTS (Details)	Dec. 31, 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	11.31%	12.27%
Tier 1 risk-based capital ratio	10.10%	11.04%
Common Equity Tier 1 ratio	10.10%	11.04%
Tier 1 leverage ratio	8.83%	10.08%

EMPLOYEE BENEFIT PLANS (Details

EMPLOYEE BENEFIT PLANS (Details) - USD ($)	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
EMPLOYEE BENEFIT PLANS [Abstract]
Defined Contribution Plan, Tax Status [Extensible List]	us-gaap:QualifiedPlanMember
Defined Contribution Plan, Type [Extensible List]	us-gaap:PensionPlansDefinedBenefitMember
Maximum amount of annual contribution per participant under age 50	$ 18,000
Percentage of maximum matching contribution by employer	3.00%
Employer contribution	$ 300,000	$ 200,000	$ 200,000
Executive Officers [Member] | Deferred Compensation Plans [Member]
Deferred Compensation Arrangement with Individual, Excluding Share-based Payments and Postretirement Benefits [Line Items]
Age of vesting	65 years
Expenses incurred	$ 100,000	100,000	$ 100,000
Deferred compensation liability	$ 900,000	$ 600,000
Select Group of Management or Highly Compensated Employees [Member] | Unfunded Nonqualified Deferred Compensation Arrangement [Member]
Deferred Compensation Arrangement with Individual, Excluding Share-based Payments and Postretirement Benefits [Line Items]
Maximum percentage of deferred base salary and bonus	30.00%
Period of certificate of deposit rate paid on vested balance	36 months

FAIR VALUE MEASUREMENT, Fair Va

FAIR VALUE MEASUREMENT, Fair Value of Assets Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Assets [Abstract]
Investment securities available-for-sale	$ 28,783	$ 22,681
Recurring [Member]
Assets [Abstract]
Investment securities available-for-sale	28,783	22,681
Interest only strips	87	119
Servicing assets	97	158
Total	28,967	22,958
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Investment securities available-for-sale	156	115
Interest only strips	0	0
Servicing assets	0	0
Total	156	115
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Investment securities available-for-sale	28,627	22,566
Interest only strips	0	0
Servicing assets	0	0
Total	28,627	22,566
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Investment securities available-for-sale	0	0
Interest only strips	87	119
Servicing assets	97	158
Total	$ 184	$ 277

FAIR VALUE MEASUREMENT, Assets

FAIR VALUE MEASUREMENT, Assets Measured on Non-recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]
Impaired loans	$ 20,627	$ 17,543
Foreclosed real estate and repossessed assets	372	137	$ 198	$ 137
Loans held-for-sale at carrying value	55,094	61,416
Non-recurring [Member]
Summary of fair value measurements of assets measured on a non-recurring basis [Abstract]
Impaired loans	6,323	2,008
Loans held for sale	56,222	64,954
Foreclosed real estate and repossessed assets	372	137
Total	62,917	67,099
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
Loans held for sale	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	6,323	2,008
Loans held for sale	56,222	64,954
Foreclosed real estate and repossessed assets	372	137
Total	62,917	67,099
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
Loans held for sale	0	0
Foreclosed real estate and repossessed assets	0	0
Total	$ 0	$ 0

FAIR VALUE MEASUREMENT, Fair 77

FAIR VALUE MEASUREMENT, Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Carrying Amount [Member]
Financial assets [Abstract]
Cash and cash equivalents	$ 45,869	$ 34,116
FRB and FHLB stock	3,720	3,443
Investment securities	36,348	31,683
Loans, net	726,189	623,355
Financial liabilities [Abstract]
Deposits	699,684	612,236
Other borrowings	56,843	29,000
Fair Value [Member]
Financial assets [Abstract]
Cash and cash equivalents	45,869	34,116
FRB and FHLB stock	3,720	3,443
Investment securities	36,454	31,830
Loans, net	719,502	614,694
Financial liabilities [Abstract]
Deposits	699,211	612,215
Other borrowings	56,842	28,999
Fair Value [Member] | Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	45,869	34,116
FRB and FHLB stock	0	0
Investment securities	156	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	36,298	31,715
Loans, net	705,723	599,919
Financial liabilities [Abstract]
Deposits	699,211	612,215
Other borrowings	56,842	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	13,779	14,775
Financial liabilities [Abstract]
Deposits	0	0
Other borrowings	$ 0	$ 0

ACCUMULATED OTHER COMPREHENSI78

ACCUMULATED OTHER COMPREHENSIVE INCOME (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Changes in other comprehensive income (loss) by component, net of tax [Roll Forward]
Balance	$ 65,336	$ 61,944	$ 67,007
Net current-period other comprehensive income	54	39	(99)
Balance	70,070	65,336	61,944
Unrealized Holding Gains (Losses) on AFS [Member]
Changes in other comprehensive income (loss) by component, net of tax [Roll Forward]
Balance	(29)	(68)	31
Other comprehensive income (loss) before reclassifications	54	39	(99)
Amounts reclassified from accumulated other comprehensive income	0	0	0
Net current-period other comprehensive income	54	39	(99)
Balance	$ 25	$ (29)	$ (68)

PARENT COMPANY FINANCIAL INFO79

PARENT COMPANY FINANCIAL INFORMATION, Condensed Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Assets [Abstract]
Cash and cash equivalents (including interest-bearing deposits in other financial institutions)	$ 45,869	$ 34,116	$ 35,519	$ 18,959
Total loans	726,189	623,355
Other assets	15,236	13,907
Total assets	833,315	710,572
Liabilities and Stockholders' Equity [Abstract]
Other borrowings	56,843	29,000
Other liabilities	6,718	4,000
Total liabilities	763,245	645,236
Common stock	42,604	41,575
Retained earnings	27,441	23,790
Total stockholders' equity	70,070	65,336	61,944	67,007
Total liabilities and stockholders' equity	833,315	710,572
Parent Company [Member]
Assets [Abstract]
Cash and cash equivalents (including interest-bearing deposits in other financial institutions)	973	575	$ 3,461	$ 1,122
Investment in subsidiary	70,825	68,585
Total loans	4,915	0
Other assets	190	319
Total assets	76,903	69,479
Liabilities and Stockholders' Equity [Abstract]
Other borrowings	6,843	4,000
Other liabilities	15	114
Total liabilities	6,858	4,114
Common stock	42,604	41,575
Retained earnings	27,441	23,790
Total stockholders' equity	70,045	65,365
Total liabilities and stockholders' equity	$ 76,903	$ 69,479

PARENT COMPANY FINANCIAL INFO80

PARENT COMPANY FINANCIAL INFORMATION, Condensed Income Statements (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Condensed Income Statements [Abstract]
Interest income	$ 9,927	$ 9,695	$ 9,066	$ 8,703	$ 8,582	$ 8,516	$ 7,674	$ 7,444	$ 37,391	$ 32,216	$ 30,222
Interest expense	1,451	1,319	1,030	929	820	807	777	723	4,729	3,127	2,516
Net interest income	8,476	8,376	8,036	7,774	7,762	7,709	6,897	6,721	32,662	29,089	27,706
Other income									581	312	325
Total non-interest expenses	6,421	6,387	6,007	5,923	5,870	5,836	5,506	5,336	24,738	22,548	27,281
Income before provision for income taxes	2,963	2,546	2,606	2,348	2,314	2,410	1,907	2,211	10,463	8,842	5,008
Income tax benefit	2,514	992	1,050	992	974	929	782	928	5,548	3,613	2,138
Net income	$ 449	$ 1,554	$ 1,556	$ 1,356	$ 1,340	$ 1,481	$ 1,125	$ 1,283	4,915	5,229	2,870
Preferred stock dividends and accretion on preferred stock									0	0	445
Discount on partial redemption of preferred stock									0	0	(129)
Net income available to common stockholders									4,915	5,229	2,554
Parent Company [Member]
Condensed Income Statements [Abstract]
Interest income									60	5	3
Interest expense									196	247	44
Net interest income									(136)	(242)	(41)
Income from consolidated subsidiary									5,441	5,671	3,335
Other income									0	0	0
Total income									5,305	5,429	3,294
Total non-interest expenses									669	495	571
Income before provision for income taxes									4,636	4,934	2,723
Income tax benefit									(279)	(295)	(147)
Net income									4,915	5,229	2,870
Preferred stock dividends and accretion on preferred stock									0	0	445
Discount on partial redemption of preferred stock									0	0	(129)
Net income available to common stockholders									$ 4,915	$ 5,229	$ 2,554

PARENT COMPANY FINANCIAL INFO81

PARENT COMPANY FINANCIAL INFORMATION, Condensed Statements of Cash Flows (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Cash Flows from Operating Activities [Abstract]
Net income	$ 449	$ 1,554	$ 1,556	$ 1,356	$ 1,340	$ 1,481	$ 1,125	$ 1,283	$ 4,915	$ 5,229	$ 2,870
Adjustments to reconcile net income to cash provided by operating activities [Abstract]
Stock-based compensation									537	338	412
Changes in [Abstract]
Other assets									(1,882)	(551)	1,986
Other liabilities									2,719	(431)	1,283
Net cash provided by operating activities									14,243	7,870	7,012
Cash Flows from Investing Activities [Abstract]
Loan originations and principal collections, net									(110,069)	(90,183)	(49,896)
Net cash used in investing activities									(117,009)	(93,457)	(49,881)
Cash Flows from Financing Activities [Abstract]
Preferred stock dividends paid									0	0	(524)
Common stock dividends paid									1,264	1,096	902
Common stock repurchase									0	(1,338)	(28)
Net cash provided by financing activities									114,519	84,184	59,429
Net increase (decrease) in cash and cash equivalents									11,753	(1,403)	16,560
Cash and cash equivalents at beginning of year				34,116				35,519	34,116	35,519	18,959
Cash and cash equivalents at end of year	45,869				34,116				45,869	34,116	35,519
Parent Company [Member]
Cash Flows from Operating Activities [Abstract]
Net income									4,915	5,229	2,870
Adjustments to reconcile net income to cash provided by operating activities [Abstract]
Equity in undistributed income from subsidiary									(5,441)	(5,671)	(3,335)
Stock-based compensation									537	338	412
Changes in [Abstract]
Other assets									129	(138)	41
Other liabilities									(99)	70	45
Net cash provided by operating activities									41	(172)	33
Cash Flows from Investing Activities [Abstract]
Loan originations and principal collections, net									(4,915)	0	0
Net dividends from and investment in subsidiary									3,201	1,000	5,131
Net cash used in investing activities									(1,714)	1,000	5,131
Cash Flows from Financing Activities [Abstract]
Net increase (decrease) from other borrowings									2,843	(1,500)	5,500
Preferred stock dividends paid									0	0	(524)
Redemption of preferred stock									0	0	(6,885)
Common stock dividends paid									(1,264)	(1,096)	(902)
Common stock repurchase									0	(1,338)	(28)
Proceeds from issuance of common stock									492	220	14
Net cash provided by financing activities									2,071	(3,714)	(2,825)
Net increase (decrease) in cash and cash equivalents									398	(2,886)	2,339
Cash and cash equivalents at beginning of year				$ 575				$ 3,461	575	3,461	1,122
Cash and cash equivalents at end of year	$ 973				$ 575				$ 973	$ 575	$ 3,461

QUARTERLY FINANCIAL DATA (UNA82

QUARTERLY FINANCIAL DATA (UNAUDITED) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Results of Operations [Abstract]
Interest income	$ 9,927	$ 9,695	$ 9,066	$ 8,703	$ 8,582	$ 8,516	$ 7,674	$ 7,444	$ 37,391	$ 32,216	$ 30,222
Interest expense	1,451	1,319	1,030	929	820	807	777	723	4,729	3,127	2,516
Net interest income	8,476	8,376	8,036	7,774	7,762	7,709	6,897	6,721	32,662	29,089	27,706
Provision (credit) for loan losses	(12)	159	120	144	116	22	61	(247)	411	(48)	(2,274)
Net interest income after provision for loan losses	8,488	8,217	7,916	7,630	7,646	7,687	6,836	6,968	32,251	29,137	29,980
Non-interest income	896	716	697	641	538	559	577	579	2,950	2,253	2,309
Non-interest expenses	6,421	6,387	6,007	5,923	5,870	5,836	5,506	5,336	24,738	22,548	27,281
Income before provision for income taxes	2,963	2,546	2,606	2,348	2,314	2,410	1,907	2,211	10,463	8,842	5,008
Provision for income taxes	2,514	992	1,050	992	974	929	782	928	5,548	3,613	2,138
Net income	$ 449	$ 1,554	$ 1,556	$ 1,356	$ 1,340	$ 1,481	$ 1,125	$ 1,283	$ 4,915	$ 5,229	$ 2,870
Earnings per share [Abstract]
Income per common share - basic (in dollars per share)	$ 0.05	$ 0.19	$ 0.19	$ 0.17	$ 0.16	$ 0.18	$ 0.14	$ 0.16	$ 0.60	$ 0.64	$ 0.31
Income per common share - diluted (in dollars per share)	$ 0.05	$ 0.18	$ 0.18	$ 0.16	$ 0.16	$ 0.18	$ 0.13	$ 0.15	$ 0.57	$ 0.62	$ 0.30