M&F Bancorp (MFBP) 10-Q 14 Nov 13 2013 Q3 Quarterly report Financial data

Document_And_Entity_Informatio

Document And Entity Information	9 Months Ended
	Sep. 30, 2013	Nov. 13, 2013
Document And Entity Information	'	'
Entity Registrant Name	'M&F BANCORP INC /NC/	'
Entity Central Index Key	'0001094738	'
Current Fiscal Year End Date	'--12-31	'
Entity Well-known Seasoned Issuer	'No	'
Entity Voluntary Filers	'No	'
Entity Current Reporting Status	'Yes	'
Entity Filer Category	'Smaller Reporting Company	'
Entity Common Stock, Shares Outstanding	'	2,031,337
Document Fiscal Year Focus	'2013	'
Document Fiscal Period Focus	'Q3	'
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	30-Sep-13	'

CONSOLIDATED_BALANCE_SHEETS_Un

CONSOLIDATED BALANCE SHEETS (Unaudited) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Cash and cash equivalents	'	'
Cash and due from banks	$3,403	$2,527
Interest-bearing deposits	22,959	40,059
Federal Funds Sold	3,000	'
Total Cash and cash equivalents	29,362	42,586
Investment securities available for sale, at fair value	57,938	60,811
Other invested assets	389	488
Loans, net of unearned income and deferred fees	187,156	175,222
Allowances for loan losses	-3,237	-3,499
Loans, net	183,919	171,723
Interest receivable	862	858
Bank premises and equipment, net	4,444	4,683
Cash surrender value of bank-owned life insurance	6,139	5,978
OREO	2,942	3,055
Deferred tax assets and taxes receivable, net	4,551	4,387
Other assets	1,563	1,530
TOTAL ASSETS	292,109	296,099
Deposits	'	'
Interest-bearing deposits	204,526	205,921
Noninterest-bearing deposits	45,349	44,958
Total deposits	249,875	250,879
Other borrowings	867	2,937
Other liabilities	5,708	6,004
Total liabilities	256,450	259,820
COMMITMENTS AND CONTINGENCIES	'	'
Stockholders' equity:	'	'
Series B Preferred Stock - $1,000 liquidation value per share, 11,735 shares issued and outstanding as of September 30, 2013, and December 31, 2012	11,727	11,725
Common stock, no par value 10,000,000 shares authorized as of September 30, 2013 and December 31, 2012; 2,031,337 shares issued and outstanding as of September 30, 2013 and December 31, 2012	8,732	8,732
Retained earnings	17,211	17,230
Accumulated other comprehensive loss	-2,011	-1,408
Total stockholders' equity	35,659	36,279
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$292,109	$296,099

CONSOLIDATED_BALANCE_SHEETS_Un1

CONSOLIDATED BALANCE SHEETS (Unaudited) (Parenthetical) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Statement of Financial Position [Abstract]	'	'
Series B Preferred stock, liquidation value (in dollars per share)	$1,000	$1,000
Series B Preferred stock, issued (in shares)	11,735	11,735
Series B Preferred stock, outstanding (in shares)	11,735	11,735
Common stock, no par value (in dollars per share)	$0	$0
Common stock, authorized (in shares)	10,000,000	10,000,000
Common stock, issued (in shares)	2,031,337	2,031,337
Common stock, outstanding (in shares)	2,031,337	2,031,337

CONSOLIDATED_STATEMENTS_OF_INC

CONSOLIDATED STATEMENTS OF INCOME (LOSS) (Unaudited) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Interest income:	'	'	'	'
Loans, including fees	$2,661	$2,775	$7,573	$7,969
Investment securities, including dividends	'	'	'	'
Taxable	166	229	535	636
Tax-exempt	9	23	27	91
Other	21	21	56	94
Total interest income	2,857	3,048	8,191	8,790
Interest expense:	'	'	'	'
Deposits	188	227	550	695
Borrowings	2	7	5	46
Total interest expense	190	234	555	741
Net interest income	2,667	2,814	7,636	8,049
Less provision for loan losses	10	122	10	166
Net interest income after provision for loan losses	2,657	2,692	7,626	7,883
Noninterest income:	'	'	'	'
Service charges	334	362	953	1,024
Rental income	71	76	214	229
Cash surrender value of life insurance	51	52	159	152
Realized gain on sale of securities	'	67	'	256
Other income	1	1	3	4
Total noninterest income	457	558	1,329	1,665
Noninterest expense:	'	'	'	'
Salaries and employee benefits	1,403	1,492	4,313	4,393
Occupancy and equipment	374	400	1,119	1,124
Directors fees	67	67	224	218
Marketing	54	75	142	164
Professional fees	201	143	649	570
Information technology	190	233	611	696
FDIC deposit insurance	135	131	363	395
OREO expense, net	49	45	267	146
Realized gain (loss) on sale of OREO	-2	-4	-30	42
Gains at foreclosure	-3	'	-8	'
Delivery expenses	44	48	128	150
Other	308	340	879	934
Total noninterest expense	2,820	2,970	8,657	8,832
Income before income taxes	294	280	298	716
Income tax expense	139	87	140	196
Net income	155	193	158	520
Less preferred stock dividends and accretion	59	59	177	179
Net income (loss) available to common stockholders	$96	$134	($19)	$341
Basic and diluted earnings (loss) per share of common stock:	$0.05	$0.07	($0.01)	$0.17
Weighted average shares of common stock outstanding:	'	'	'	'
Basic and diluted	2,031,337	2,031,337	2,031,337	2,031,337

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (Unaudited) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Statement of Comprehensive Income [Abstract]	'	'	'	'
Net income	$155	$193	$158	$520
Other comprehensive income (loss):	'	'	'	'
Unrealized holding gains (losses) on securities available for sale	-271	408	-942	523
Tax effect	102	-146	339	-165
Unrealized holding gains (losses) on securities available for sale, net of tax	-169	262	-603	358
Reclassification adjustments for realized gains	'	-67	'	-256
Tax effect	'	26	'	51
Reclassification adjustments for realized gains, net of tax	'	-41	'	-205
Defined benefit pension plans:	'	'	'	'
Net periodic pension cost	90	106	270	213
Net pension gain (loss)	-90	-106	-270	-213
Tax effect	'	'	'	'
Defined benefit plan adjustment, net of tas	'	'	'	'
Other comprehensive (loss), net of tax	-169	221	-603	153
Comprehensive income (loss)	($14)	$414	($445)	$673

CONSOLIDATED_STATEMENTS_OF_CHA

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Unaudited) (USD $)	Common Stock	Preferred Stock	Retained Earnings	Accumulated Other Comprehensive Loss	Total
In Thousands, except Share data
Balance, Beginning at Dec. 31, 2011	$8,732	$11,724	$17,380	($1,439)	$36,397
Balance, Beginning, shares at Dec. 31, 2011	2,031,337	'	'	'	'
Accretion of Series B preferred stock issuance costs	'	1	-1	'	'
Net income	'	'	520	'	520
Other comprehensive income (loss), net of tax	'	'	'	153	153
Dividends declared on preferred stock	'	'	-178	'	'
Balance, Ending at Sep. 30, 2012	8,732	11,725	17,721	-1,286	'
Balance, Ending, shares at Sep. 30, 2012	2,031,337	'	'	'	'
Balance, Beginning at Dec. 31, 2012	8,732	11,725	17,230	-1,408	36,279
Balance, Beginning, shares at Dec. 31, 2012	2,031,337	'	'	'	2,031,337
Accretion of Series B preferred stock issuance costs	'	2	-2	'	'
Net income	'	'	158	'	158
Other comprehensive income (loss), net of tax	'	'	'	-603	-603
Dividends declared on preferred stock	'	'	-175	'	'
Balance, Ending at Sep. 30, 2013	$8,732	$11,727	$17,211	($2,011)	$35,659
Balance, Ending, shares at Sep. 30, 2013	2,031,337	'	'	'	2,031,337

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Cash flows from operating activities:	'	'
Net income	$158	$520
Adjustments to reconcile net income to net cash provided by operating activities:	'	'
Provision for loan losses	10	166
Depreciation and amortization	263	256
Amortization of discounts/premiums on investments, net	845	75
Loan purchase accounting amortization, net	43	130
Deferred income tax provision	61	'
Deferred loan origination fees and costs, net	129	108
Gains on sale of available for sale securities	'	-256
Increase in cash surrender value of bank owned life insurance	-159	-152
Gain on foreclosure	-8	'
Net gain (loss) on sale of OREO	-30	42
Writedown of OREO	178	38
Changes in:	'	'
Accrued interest receivable and other assets	77	374
Other liabilities	-258	3,382
Net cash provided by operating activities	1,309	4,683
Activity in available-for-sale securities:	'	'
Sales	'	7,224
Maturities and calls	'	819
Principal collections	14,094	7,478
Purchases	-13,008	-40,263
FHLB stock stock redemptions	99	'
Net (increase) decrease in loans	-14,522	8,050
Purchases of bank premises and equipment	-63	-263
Payment of BOLI premium	-2	-6
Proceeds from sale of real estate owned	69	400
Net cash used in investing activities	-13,333	-16,561
Cash flows from financing activities:	'	'
Net increase (decrease) in deposits	-965	2,228
Proceeds from other borrowings	93	1,197
Repayments of other borrowings	-153	-1,149
Cash dividends	-175	-178
Net cash provided by (used in) financing activities	-1,200	2,098
Net decrease in cash and cash equivalents	-13,224	-9,780
Cash and cash equivalents as of the beginning of the period	42,586	61,296
Cash and cash equivalents as of the end of the period	29,362	51,516
Cash paid during period for:	'	'
Interest	584	813
Noncash Transactions	'	'
Loans transferred to OREO	134	337
Net unrealized loss on investment securities available for sale, net of deferred income tax	-603	267
Transfer of participation loans sold from other borrowings to loans	-2,010	'
Transfer between fixed assets and non-interest bearing deposit account	-39	'
Accretion of Series B preferred stock	$2	$1

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Sep. 30, 2013
Summary Of Significant Accounting Policies	'
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
	1	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	Nature of Operations
	M&F Bancorp, Inc. (the “Company”) is a bank holding company, and the parent company of Mechanics and Farmers Bank (the “Bank”), a state chartered commercial bank incorporated in North Carolina (“NC”) in 1907, which began operations in 1908. The Bank has seven branches in NC: two in Durham, two in Raleigh, and one each in Charlotte, Greensboro and Winston-Salem. The Company, headquartered in Durham, operates as a single business segment and offers a wide variety of consumer and commercial banking services and products almost exclusively in NC.
	Basis of Presentation
	The Consolidated Financial Statements include the accounts and transactions of the Company and the Bank, the wholly owned subsidiary. All significant inter-company accounts and transactions have been eliminated in consolidation.
	The Consolidated Financial Statements have been prepared in accordance with generally accepted accounting principles in the United States (“GAAP”) for interim financial statements and in accordance with the instructions for Form 10-Q and Rule 8-03 of Regulation S-X. The accompanying Consolidated Financial Statements and Notes are unaudited except for the balance sheet and footnote information as of December 31, 2012, which were derived from the Company’s audited consolidated Annual Report on Form 10-K as of and for the year ended December 31, 2012.
	The Consolidated Financial Statements included herein do not include all the information and notes required by GAAP and should be read in conjunction with the Consolidated Financial Statements and the related notes thereto included in the Company’s Annual Report on Form 10-K as of and for the year ended December 31, 2012.
	In the opinion of management, the interim financial statements include all adjustments, consisting of normal recurring accruals, necessary for a fair presentation of the financial position, results of operations and cash flows in the Consolidated Financial Statements. The unaudited operating results for the periods presented may not be indicative of annual results.
	Segment Reporting
	Based on an analysis performed by the Company, management has determined that the Company has only one operating segment, which is commercial banking. The chief operating decision-maker uses consolidated results to make operating and strategic decisions and therefore, the Company is not required to disclose additional segment information.
	Use of Estimates
	The financial statements are prepared in accordance with GAAP, which require management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates.
	New Accounting Pronouncements
	The Financial Accounting Standards Board (“FASB”) amended the Comprehensive Income topic of the Accounting Standards Codification (“ASC”) in February 2013. The amendments address reporting of amounts reclassified out of accumulated other comprehensive income. Specifically, the amendments do not change the current requirements for reporting net income or other comprehensive income in financial statements. However, the amendments do require an entity to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, in certain circumstances an entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income. The amendments were effective for the Company on a prospective basis for reporting periods beginning after December 15, 2012. The adoption of these amendments did not have a material effect on the consolidated financial statements of the Company, although new disclosures are included in these consolidated financial statements.
	On April 22, 2013, the FASB issued guidance addressing application of the liquidation basis of accounting. The guidance is intended to clarify when an entity should apply the liquidation basis of accounting. In addition, the guidance provides principles for the recognition and measurement of assets and liabilities and requirements for financial statements prepared using the liquidation basis of accounting. The amendments will be effective for entities that determine liquidation is imminent during annual reporting periods beginning after December 15, 2013, and interim reporting periods therein and those requirements should be applied prospectively from the day that liquidation becomes imminent. Early adoption is permitted. The Company does not expect these amendments to have any effect on its financial statements.
	Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company’s financial position, results of operations or cash flows.

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	9 Months Ended
	Sep. 30, 2013
Investment Securities	'
INVESTMENT SECURITIES	'
	2	INVESTMENT SECURITIES
	The main objectives of our investment strategy are to provide a source of liquidity while managing our interest rate risk, and to generate an adequate level of interest income without taking undue risks. Our investment policy permits investments in various types of securities, certificates of deposits and federal funds sold in compliance with various restrictions in the policy. As of September 30, 2013 and December 31, 2012, all investment securities were classified as available-for-sale.
	Our available-for-sale securities totaled $57.9 million and $60.8 million as of September 30, 2013 and December 31, 2012, respectively. Securities with a fair value of $1.0 million were pledged to the Federal Reserve Bank of Richmond (“Federal Reserve Bank”) and an additional $2.7 million and $16.3 million in investments were pledged to public housing authorities in North Carolina and the North Carolina Department of State Treasurer, respectively, as collateral for public deposits at September 30, 2013. Securities with a fair value of $1.1 million were pledged to the Federal Reserve Bank and an additional $4.9 million and $2.6 million in investments were pledged to public housing authorities in North Carolina and the North Carolina Department of State Treasurer, respectively, as collateral for public deposits at December 31, 2012. Our investment portfolio consists of the following securities:
		·	U.S. government agency securities,
		·	U.S. government sponsored residential mortgage backed securities (“MBS”), and
		·	Municipal securities (“Municipals”).
	The amortized cost, gross unrealized gains and losses and fair values of investment securities at September 30, 2013 and December 31, 2012 were:
	(Dollars in thousands)		Amortized		Gross			Gross			Fair Value
			Cost		Unrealized			Unrealized
					Gains			Losses
	(Unaudited)
	30-Sep-13
	US government agencies		$	5,000	$	7		$	(125	)	$	4,882
	Government sponsored MBS
	Residential			51,733		191			(345	)		51,579
	Municipal securities
	North Carolina			1,488		28			(39	)		1,477
	Total at September 30, 2013		$	58,221	$	226		$	(509	)	$	57,938
	31-Dec-12
	US government agencies		$	1,322	$	5		$	—		$	1,327
	Government sponsored MBS
	Residential			57,333		627			(29	)		57,931
	North Carolina			1,497		56			—			1,553
	Total at December 31, 2012		$	60,152	$	688		$	(29	)	$	60,811
	Sales and calls of securities available-for-sale for the three months ended September 30, resulted in aggregate gross realized gains of $75 thousand, and gross realized losses of $8 thousand during 2012 compared to none during the comparable period in 2013. Sales and calls of securities available-for-sale for the nine months ended September 30, resulted in aggregate gross realized gains of $264 thousand and gross realized losses of $8 thousand during 2012 compared to none during the comparable period in 2013.
	The amortized cost and estimated market values of securities as of September 30, 2013 and December 31, 2012 by contractual maturities are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. MBS, which are not due at a single maturity date, are grouped based upon the final payment date. MBS may mature earlier because of principal prepayments.
	(Dollars in thousands)		As of September 30, 2013
	(Unaudited)		Fair Value		Amortized Cost
	US government agencies
	Due after one year through five years		$	3,004	$	3,000
	Due after five years through ten years			1,878		2,000
	Total US government agencies		$	4,882	$	5,000
	Government sponsored MBS
	Residential
	Due within one year		$	15,830	$	15,882
	Due after one year through five years			24,659		24,733
	Due after five years through ten years			7,484		7,513
	Due after ten years			3,606		3,605
	Total government sponsored MBS		$	51,579	$	51,733
	Municipal bonds
	North Carolina
	Due within one year		$	476	$	466
	Due after one year through five years			441		423
	Due after five years through ten years			560		599
	Total North Carolina municipal bonds		$	1,477	$	1,488
	(Dollars in thousands)		As of December 31, 2012
			Fair Value		Amortized Cost
	US government agencies
	Due within one year		$	1,005	$	1,000
	Due after one year through five years			322		322
	Total US government agencies		$	1,327	$	1,322
	Government sponsored MBS
	Residential
	Due within one year
	Due after one year through five years		$	135	$	126
	Due after five years through ten years			171		161
	Due after ten years			57,625		57,046
	Total government sponsored MBS		$	57,931	$	57,333
	Municipal bonds
	North Carolina
	Due within one year		$	488	$	466
	Due after one year through five years			458		425
	Due after five years through ten years			607		606
Total North Carolina municipal bonds		$	1,553	$	1,497
All securities owned as of September 30, 2013 and December 31, 2012 are investment grade. The unrealized losses were attributable to changes in market interest rates. The Company evaluates securities for other than temporary impairment on a quarterly basis. Consideration is given to the financial condition and near-term prospects of the issuer, the length of time and extent to which the fair value has been less than cost, and our intent and ability to retain our investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. Based on these evaluations, the Company did not deem any securities to be impaired during 2012 or the first nine months of 2013.
As of September 30, 2013 and December 31, 2012, the Company held 53 and 11 investment positions, respectively, with unrealized losses of $509 thousand and $29 thousand, respectively. These investments were in U.S. government agencies, government sponsored MBS and municipal bonds. In analyzing an issuer’s financial condition, management considers whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, and industry analysts’ reports. Management had determined that all declines in market values of available-for-sale securities are not other-than-temporary, and will not likely be required to sell.
As of September 30, 2013 and December 31, 2012, the fair value of securities with gross unrealized losses by length of time that the individual securities have been in an unrealized loss position is as follows:
(Dollars in thousands)		Less Than 12 Months					12 Months or Greater					Total
(Unaudited)		Fair Value		Unrealized			Fair Value			Unrealized		Fair Value		Unrealized
				Losses						Losses				Losses
30-Sep-13
US government agencies		$	2,875	$	(125	)	$	—		$	—	$	2,875	$	(125	)
Government sponsored MBS
Residential			34,354		(345	)		21			—		34,375		(345	)
Municipal securities
North Carolina			560		(39	)		—			—		560		(39	)
Total at September 30, 2013		$	37,789	$	(509	)	$	21		$	—	$	37,810	$	(509	)
(Dollars in thousands)		Less Than 12 Months					12 Months or Greater					Total
		Fair Value		Unrealized			Fair Value			Unrealized		Fair Value		Unrealized
				Losses						Losses				Losses
31-Dec-12
Government sponsored MBS
Residential		$	8,027	$	(29	)	$	21		$	—	$	8,048	$	(29	)
Total at December 31, 2012		$	8,027	$	(29	)	$	21		$	—	$	8,048	$	(29	)
The Company has stock in the Federal Home Loan Bank of Atlanta ("FHLB"), classified on the Consolidated Balance Sheets as Other invested assets, which is evaluated on a quarterly basis for other-than-temporary impairment. The FHLB has been issuing dividends and repurchasing excess stock on a pro-rata basis for several quarters. The Company believes that its investment in FHLB stock is not impaired.

FHLB_STOCK

FHLB STOCK	9 Months Ended
	Sep. 30, 2013
Fhlb Stock	'
FHLB STOCK	'
	3	FHLB STOCK
	To be a member of the FHLB System, the Bank is required to maintain an investment in capital stock of the FHLB in an amount equal to 0.15% of its total assets as of December 31 of the prior year (up to a maximum of $20.0 million and $26.0 million at September 30, 2013 and December 31, 2012, respectively), plus 4.5% of its outstanding FHLB advances. The carrying value of FHLB stock, which is included in Other invested assets, as of September 30, 2013 and December 31, 2012 was $389 thousand and $488 thousand, respectively. No ready market exists for the FHLB stock, and it has no quoted market value; however, management believes that the cost approximates the market value as of September 30, 2013 and December 31, 2012, as redemption has historically been at cost. The FHLB, of which the Bank is a member, has been impacted by the Recession that began in 2008. Management has reviewed its investment in FHLB stock for impairment and does not believe it is impaired as of September 30, 2013 or December 31, 2012.

RECONCILIATIONS_OF_BASIC_AND_D

RECONCILIATIONS OF BASIC AND DILUTED EARNINGS PER SHARE	9 Months Ended
	Sep. 30, 2013
Reconciliations Of Basic And Diluted Earnings Per Share	'
RECONCILIATIONS OF BASIC AND DILUTED EARNINGS (LOSS) PER SHARE ("EPS")	'
	4	RECONCILIATIONS OF BASIC AND DILUTED EARNINGS (LOSS) PER SHARE ("EPS")
	Basic EPS is computed by dividing net income (loss) available to common stockholders by the weighted average number shares of common stock outstanding for the period. Basic EPS excludes the dilutive effect that could occur if any options or warrants to purchase shares of common stock were exercised. Diluted EPS is computed by dividing net income (loss) available to common stockholders by the sum of the weighted average number of shares of common stock outstanding for the period plus the number of additional shares of common stock that would have been outstanding if the potentially dilutive common shares had been issued. There are no stock options or warrants outstanding.

ACCUMULATED_OTHER_COMPREHENSIV

ACCUMULATED OTHER COMPREHENSIVE INCOME	9 Months Ended
	Sep. 30, 2013
Cash paid during period for: [Abstract]	'
ACCUMULATED OTHER COMPREHENSIVE INCOME	'
	5	ACCUMULATED OTHER COMPREHENSIVE INCOME
	Comprehensive income includes net income and all other changes to the Company's equity, with the exception of transactions with stockholders. The Company's other comprehensive income and accumulated other comprehensive income are comprised of unrealized gains and losses on certain investments in debt securities and defined benefit plan adjustments.
	CHANGES IN ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) BY COMPONENT
	For The Three And Nine Months Ended September 30, 2013
	(Dollars in thousands)
	(Unaudited)
			Unrealized			Defined			Total
			Gains and			Benefit
			Losses on			Pension Items
			Available-for-
			Sale
			Securities
	Balance as of June 30, 2013		$	(8	)	$	(1,834	)	$	(1,842	)
	Other comprehensive loss before reclassifications			(169	)		—			(169	)
	Amounts reclassified from acumulated other comprehensive loss			—			—			—
	Net current-period other comprehensive loss			(169	)		—			(169	)
	Balance as of September 30, 2013		$	(177	)	$	(1,834	)	$	(2,011	)
	Balance as of December 31, 2012		$	426		$	(1,834	)	$	(1,408	)
	Other comprehensive loss before reclassifications			(603	)		—			(603	)
	Amounts reclassified from acumulated other comprehensive loss			—			—			—
	Net current-period other comprehensive loss			(603	)		—			(603	)
	Balance as of September 30, 2013		$	(177	)	$	(1,834	)	$	(2,011	)
	All amounts are net of tax.

LOANS_AND_ALLOWANCE_FOR_LOAN_L

LOANS AND ALLOWANCE FOR LOAN LOSSES	9 Months Ended
	Sep. 30, 2013
Loans And Allowance For Loan Losses	'
LOANS AND ALLOWANCE FOR LOAN LOSSES	'
	6	LOANS AND ALLOWANCE FOR LOAN LOSSES
	The activity in the Allowance for Loan Losses (“ALLL”) for the three and nine months ended September 30, 2013 and 2012 and related asset balances at September 30, 2013 and December 31, 2012 is summarized as follows:
			For the Three Months Ended September 30, 2013
									Faith-
									Based			Residential
						Commercial			Non-			Real						Other
	(Dollars in thousands)		Commercial			Real Estate			Profit			Estate			Consumer			Loans			Unallocated			Total
	ALLL:
	Beginning of quarter balance		$	241		$	806		$	1,278		$	831		$	22		$	43		$	13		$	3,234
	Charge-offs			—			—			—			(40	)		(1	)		(4	)		—			(45	)
	Recoveries			—			25			—			4			6			3			—			38
	Provision for loan losses			203			52			(170	)		(57	)		(8	)		3			(13	)		10
	Balance at September 30, 2013		$	444		$	883		$	1,108		$	738		$	19		$	45		$	—		$	3,237
			For the Three Months Ended September 30, 2012
									Faith-
									Based			Residential
						Commercial			Non-			Real						Other
	(Dollars in thousands)		Commercial			Real Estate			Profit			Estate			Consumer			Loans			Unallocated			Total
	ALLL:
	Beginning of quarter balance		$	61		$	1,187		$	1,091		$	1,243		$	46		$	51		$	—		$	3,679
	Charge-offs			—			—			—			(303	)		—			(8	)		—			(311	)
	Recoveries			—			—			—			4			4			—			—			8
	Provision for loan losses			(36	)		(18	)		(60	)		230			2			4			—			122
	Balance at September 30, 2012		$	25		$	1,169		$	1,031		$	1,174		$	52		$	47		$	—		$	3,498
			For the Nine Months Ended September 30, 2013
									Faith-
									Based			Residential
						Commercial			Non-			Real						Other
	(Dollars in thousands)		Commercial			Real Estate			Profit			Estate			Consumer			Loans			Unallocated			Total
	ALLL:
	Beginning of year balance		$	90		$	881		$	1,246		$	937		$	30		$	54		$	261		$	3,499
	Charge-offs			—			(237	)		—			(73	)		(3	)		(14	)		—			(327	)
	Recoveries			—			27			—			12			7			9			—			55
	Provision for loan losses			354			212			(138	)		(138	)		(15	)		(4	)		(261	)		10
	Balance at September 30, 2013		$	444		$	883		$	1,108		$	738		$	19		$	45		$	—		$	3,237
			For the Nine Months Ended September 30, 2012
									Faith-
									Based			Residential
						Commercial			Non-			Real						Other
	(Dollars in thousands)		Commercial			Real Estate			Profit			Estate			Consumer			Loans			Unallocated			Total
	ALLL:
	Beginning of year balance		$	348		$	971		$	1,128		$	1,299		$	62		$	42		$	—		$	3,850
	Charge-offs			—			(56	)		—			(539	)		(1	)		(26	)		—			(622	)
	Recoveries			—			1						93			1			9			—			104
	Provision for loan losses			(323	)		253			(97	)		321			(10	)		22			—			166
	Balance at September 30, 2012		$	25		$	1,169		$	1,031		$	1,174		$	52		$	47		$	—		$	3,498
			30-Sep-13
									Faith
									Based
						Commercial			Non-			Residential						Other
	(Dollars in thousands)		Commercial			Real Estate			Profit			Real Estate			Consumer			Loans			Unallocated			Total
	ALLL:
	Ending ALLL balance attributable to loans:
	Individually evaluated for impairment		$	—		$	—		$	87		$	265		$	—		$	—		$	—		$	352
	Collectively evaluated for impairment			444			883			1,021			473			19			45			—			2,885
	Total ending ALLL balance		$	444		$	883		$	1,108		$	738		$	19		$	45		$	—		$	3,237
	Loans:
	Loans individually evaluated for impairment		$	—		$	8,476		$	17,052		$	4,051		$	12		$	—		$	—		$	29,591
	Loans collectively evaluated for imapirment			12,658			46,381			68,875			26,024			1,200			2,427			—			157,565
	Total ending loans balance		$	12,658		$	54,857		$	85,927		$	30,075		$	1,212		$	2,427		$	—		$	187,156
			31-Dec-12
									Faith
									Based
					Commercial			Non-			Residential						Other
(Dollars in thousands)		Commercial			Real Estate			Profit			Real Estate			Consumer			Loans			Unallocated			Total
ALLL:
Ending ALLL balance attributable to loans:
Individually evaluated for impairment		$	—		$	87		$	44		$	349		$	—		$	—		$	—		$	480
Collectively evaluated for impairment			90			794			1,202			588			30			54			261			3,019
Total ending ALLL balance		$	90		$	881		$	1,246		$	937		$	30		$	54		$	261		$	3,499
Loans:
Loans individually evaluated for impairment		$	—		$	4,837		$	14,907		$	2,443		$	16		$	—		$	—		$	22,203
Loans collectively evaluated for impairment			3,282			43,332			70,990			31,331			1,330			2,754			—			153,019
Total ending loans balance		$	3,282		$	48,169		$	85,897		$	33,774		$	1,346		$	2,754		$	—		$	175,222
The Bank experienced $7 thousand and $303 thousand in net charge-offs for the three months ended September 30, 2013 and 2012, respectively. Annualized net charge-offs as a percent of average loan balances outstanding totaled .02% and .66% during the three month periods ended September 30, 2013 and 2012, respectively. The Bank experienced $272 thousand in net charge-offs for the nine months ended September 30, 2013 compared to $518 thousand in net loan charge-offs for the nine months ended September 30, 2012. Annualized net charge-offs as a percent of average loan balances outstanding totaled .20% and .38% during the nine month periods ended September 30, 2013 and 2012, respectively, and 0.27% for the year ended December 31, 2012.
Loans— Loans are stated at the amount of unpaid principal, net of deferred loan origination fees and costs. Nonrefundable loan fees, net of direct costs, associated with the origination or acquisition of loans are deferred and recognized as an adjustment of the loan yield over the life of the respective loan using the effective interest method. Loans (net) are reduced by the ALLL. Interest on loans is accrued on the daily balances of unpaid principal outstanding. Interest income is accrued and credited to income only if deemed collectible. Other loan fees and charges, representing service charges for the prepayment of loans, for delinquent payments, or for miscellaneous loan services, are recorded in income when collected.
A portfolio segment is defined as the level at which an entity develops and documents a systematic methodology to determine its ALLL. The composition of the loan portfolio, net of deferred fees and costs, by loan classification as of September 30, 2013 and December 31, 2012 was as follows:
(Dollars in thousands)		30-Sep-13			31-Dec-12
Commercial		$	12,658		$	3,282
Commercial real estate:
Construction			4,359			3,621
Owner occupied			21,649			18,377
Other			28,849			26,171
Faith-based non-profit
Construction			—			2,344
Owner Occupied			79,447			76,418
Other			6,480			7,135
Residential real estate:
First mortgage			23,159			24,702
Multifamily			3,776			5,828
Home equity			3,140			3,161
Construction			—			83
Consumer			1,212			1,346
Other loans			2,427			2,754
Loans, net of deferred fees			187,156			175,222
ALLL			(3,237	)		(3,499	)
Loans, net of ALLL		$	183,919		$	171,723
The Bank has a concentration of loans to faith-based non-profit organizations, in which the Bank has specialized lending experience. As of September 30, 2013, the percentage of loans in this niche, which included construction, real estate secured, and lines of credit, comprised approximately 45.91% of the total loan portfolio and the reserve for these loans was 34.23% of the total allowance. Historically the Bank has experienced low levels of loan losses in this niche; however, repayment of these loans is generally dependent on voluntary contributions which some have been adversely affected by the recent recession.
Non-Performing Loans and Leases - Generally, all classes of loans and leases are placed on non-accrual status upon becoming contractually past due 90 days or more as to principal or interest (unless loans are adequately secured by collateral, are in the process of collection, and are reasonably expected to result in repayment), or where substantial doubt about full repayment of principal or interest is evident.
When a loan is placed on non-accrual status, regardless of class, the accrued and unpaid interest receivable is reversed and the loan is accounted for on the cash or cost recovery method until qualifying for return to accrual status. All payments received on non-accrual loans and leases are applied against the principal balance of the loan or lease. Loans may be returned to accrual status when all principal and interest amounts contractually due (including any arrearages) are reasonably assured of repayment within a reasonable period, the borrower has demonstrated payment performance for a minimum of six months in accordance with the original or revised contractual terms of the loan, and when doubt about repayment is resolved.
Generally, for all classes of loans and leases, a charge-off is recorded when it is probable that a loss has been incurred and when it is possible to determine a reasonable estimate of the loss. For all classes of commercial loans and leases, a charge-off is determined on a subjective basis after due consideration of the debtor's prospects for repayment and the fair value of collateral. For closed-end consumer loans, the entire outstanding balance of the loan is charged-off during the month that the loan becomes 120 days past due as to principal or interest. Consumer loans with non-real estate collateral are written down to the value of the collateral, less estimated costs to sell, if repossession of collateral is assured and in process. For residential mortgage and home equity loan classes, a partial charge-off is recorded at 120 days past due as to principal or interest for the amount that the loan balance exceeds the fair value of the collateral less estimated costs to sell.
Impaired Loans - A loan is considered impaired when, based on current information and events, it is probable that the Company will not be able to collect all amounts due from the borrower in accordance with the original contractual terms of the loan, including scheduled interest payments. Impaired loans include all classes of commercial non-accruing loans and Troubled Debt Restructurings ("TDRs"). Impaired loans exclude smaller balance homogeneous loans (consumer and small business non-accruing loans) not in the process of foreclosure that are collectively evaluated for impairment.
For all classes of commercial loans, a quarterly evaluation of specific individual commercial borrowers with identified weaknesses is performed to identify impaired loans. The identification of specific borrowers for review is based on a review of non-accrual loans as well as those loans specifically identified by management as exhibiting above average levels of risk.
When a loan has been identified as being impaired, the amount of impairment is measured based on the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's observable market price, or the estimated fair value of the collateral, less any selling costs, if the loan is collateral-dependent. If the measurement of the impaired loan is less than the recorded investment in the loan (net of deferred loan fees or costs and unamortized premiums or discounts), impairment is recognized by creating or adjusting an existing allocation of the ALLL, or by recording a partial charge-off of the loan to its estimated fair value. Interest payments made on impaired loans are typically applied to principal unless collectability of the principal amount is reasonably assured, in which case interest income may be accrued or recognized on a cash basis.
Income Recognition on Impaired and Non-accrual Loans - Loans, including impaired loans, are generally classified as non-accrual if they are past due as to maturity, or payment of principal or interest for a period of more than 90 days, unless such loans are well secured and in the process of collection. If a loan or a portion of a loan is classified as doubtful or is partially charged off, the loan is generally classified as non-accrual. Loans that are on a current payment status or past due less than 90 days may also be classified as non-accrual if full repayment of principal and/or interest is in doubt.
Loans may be returned to accrual status when all principal and interest amounts contractually due (including arrearages) are reasonably assured of repayment within a reasonable period of time, and the borrower has demonstrated payment performance for a minimum of six months in accordance with the contractual terms involving payments of cash or cash equivalents. During the non-accrual period, all payments received will be applied to principal. After a loan is returned to accruing status, foregone interest will be accreted to interest income on a pro-rata basis over the remaining term of the loan if full repayment of principal and interest is reasonably assured.
In the case where a non-accrual loan had been partially charged off, recognition of interest on a cash basis is limited to that which would have been recognized on the remaining loan balance at the contractual interest rate. Receipts in excess of that amount are recorded as recoveries to the ALLL until prior charged off balances have been fully recovered.
The following tables show past due loans at September 30, 2013 and December 31, 2012:
30-Sep-13								90 Days
		30-59 Days			60-89 Days			Or More			Total Past
(Dollars in thousands)		Past Due			Past Due			Past Due			Due			Current			Total
Commercial		$	4		$	5		$	2		$	11		$	12,647		$	12,658
Commercial real estate:
Construction			—			—			—			—			4,359			4,359
Owner occupied			—			—			129			129			21,520			21,649
Other			—			—			572			572			28,277			28,849
Faith-based non-profit
Construction			—			—			—			—			—			—
Owner Occupied			613			—			—			613			78,834			79,447
Other			—			—			—			—			6,480			6,480
Residential real estate:
First mortgage			75			—			1,148			1,223			21,936			23,159
Multifamily			—			—			—			—			3,776			3,776
Home equity			256			94			19			369			2,771			3,140
Construction			—			—			—			—			—			—
Consumer			13			—			—			13			1,199			1,212
Other loans			—			—			—			—			2,427			2,427
Total		$	961		$	99		$	1,870		$	2,930		$	184,226		$	187,156
31-Dec-12								90 Days
		30-59 Days			60-89 Days			Or More			Total Past
(Dollars in thousands)		Past Due			Past Due			Past Due			Due			Current			Total
Commercial		$	—		$	353		$	—		$	353		$	2,929		$	3,282
Commercial real estate:
Construction			—			—			—			—			3,621			3,621
Owner occupied			—			—			263			263			18,114			18,377
Other			1,570			856			400			2,826			23,345			26,171
Faith-based non-profit
Construction			—			—			—			—			2,344			2,344
Owner Occupied			1,845			—			661			2,506			73,912			76,418
Other			—			—			—			—			7,135			7,135
Residential real estate:
First mortgage			787			548			2,812			4,147			20,555			24,702
Multifamily			—			—			—			—			5,828			5,828
Home equity			122			120			108			350			2,811			3,161
Construction			—			—			—			—			83			83
Consumer			8			9			—			17			1,329			1,346
Other loans			—			—			—			—			2,754			2,754
Total		$	4,332		$	1,886		$	4,244		$	10,462		$	164,760		$	175,222
At September 30, 2013 and December 31, 2012, the total recorded investment in impaired loans amounted to $29.7 million and $24.1 million, respectively.
The recorded investment and related information for impaired loans is summarized as follows for September 30, 2013, September 30, 2012 and December 31, 2012:
		30-Sep-13
		At end of period									For Nine Months Ended						For Three Months Ended
		Unpaid									Interest			Average			Interest			Average
		Principal			Recorded			ALLL			Income			Recorded			Income			Recorded
(Dollars in thousands)		Balance			Investment			Allocated			Recognized			Investment			Recognized			Investment
With no related allowance recorded:
Commercial		$	—		$	—		$	—		$	—		$	98		$	—		$	—
Commercial real estate:
Construction			362			364			—			21			276			10			274
Owner occupied			3,418			3,184			—			84			706			67			1,067
Other			4,931			4,948			—			170			4,265			56			4,025
Faith based non-profit:
Construction			—			—			—			—			—			—			—
Owner occupied			16,593			16,648			—			663			10,764			365			11,511
Other			—			—			—			—			—			—			—
Residential real estate:
First mortgage			2,712			2,680			—			155			1,668			145			2,120
Multifamily			—			—			—			—			—			—			—
Home equity			8			8			—			—			50			—			30
Construction			—			—			—			—			—			—			—
Consumer			12			13			—			—			7			—			10
Impaired loans with no allowance recorded		$	28,036		$	27,845		$	—		$	1,093		$	17,834		$	643		$	19,037
With an allowance recorded:
Commercial		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Commercial real estate:
Construction			—			—			—			—			—			—			—
Owner occupied			—			—			—			—			59			—			59
Other			—			—			—			—			334			—			—
Faith based non-profit:
Construction			—			—			—			—			—			—			—
Owner occupied			458			459			87			29			364			—			442
Other			—			—			—			—			—			—			—
Residential real estate:
First mortgage			1,273			1,276			239			58			877			58			960
Multifamily			—			—			—			—			—			—			—
Home equity			91			91			26			4			23			4			46
Construction			—			—			—			—			—			—			—
Consumer			—			—			—			—			—			—			—
Impaired loans with allowance recorded		$	1,822		$	1,826		$	352		$	91		$	1,657		$	62		$	1,507
Impaired loans		$	29,858		$	29,671		$	352		$	1,184		$	19,491		$	705		$	20,544
		30-Sep-12
		At end of period									For Nine Months Ended						For Three Months Ended
		Unpaid									Interest			Average			Interest			Average
		Principal			Recorded			ALLL			Income			Recorded			Income			Recorded
(Dollars in thousands)		Balance			Investment			Allocated			Recognized			Investment			Recognized			Investment
With no related allowance recorded:
Commercial		$	1,567		$	590		$	—		$	—		$	590		$	—		$	590
Commercial real estate:
Construction			374			374			—			24			499			7			374
Owner occupied			551			551			—			28			805			6			638
Other			4,962			5,964			—			143			5,162			58			5,832
Faith based non-profit:
Construction			—			—			—			—			—			—			—
Owner occupied			13,133			13,126			—			331			12,384			69			13,171
Other			—			—			—			—			—			—			—
Residential real estate:
First mortgage			889			889			—			18			797			4			834
Multifamily			—			—			—			—			—			—			—
Home equity			—			—			—			—			—			—			—
Construction			—			—			—			—			—			—			—
Consumer			—			—			—			—			—			—			—
Impaired loans with no allowance recorded		$	21,476		$	21,494		$	—		$	544		$	20,237		$	144		$	21,439
With an allowance recorded:
Commercial		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Commercial real estate:
Construction			—			—			—			—			283			—			189
Owner occupied			239			239			102			12			468			3			241
Other			2,005			2,005			211			91			625			6			1,211
Faith based non-profit:
Construction			—			—			—			—			—			—			—
Owner occupied			430			430			52			22			788			5			667
Other			—			—			—			—			—			—			—
Residential real estate:
First mortgage			1,298			1,298			342			44			731			12			666
Multifamily			—			—			—			—			—			—			—
Home equity			—			—			—			—			231			—			—
Construction			—			—			—			—			—			—			—
Consumer			—			—			—			—			1			—			—
Impaired loans with allowance recorded		$	3,972		$	3,972		$	707		$	169		$	3,127		$	26		$	2,974
Impaired loans		$	25,448		$	25,466		$	707		$	713		$	23,364		$	170		$	24,413
		31-Dec-12
		At end of period									For Period Ended
		Unpaid									Interest			Average
		Principal			Recorded			ALLL			Income			Recorded
(Dollars in thousands)		Balance			Investment			Allocated			Recognized			Investment
With no related allowance recorded:
Commercial		$	—		$	—		$	—		$	—		$	295
Commercial real estate:
Construction			371			371			—			31			300
Owner occupied			530			530			—			38			635
Other			4,312			3,698			—			129			4,473
Faith based non-profit:
Construction			—			—			—			—			—
Owner occupied			14,479			14,479			—			567			12,261
Other			—			—			—			—			1,611
Residential real estate:
First mortgage			814			814			—			19			2,671
Multifamily			—			—			—			—			—
Home equity			86			86			—			3			111
Construction			—			—			—			—			—
Consumer			16			16			—			—			4
Impaired loans with no allowance recorded		$	20,608		$	19,994		$	—		$	787		$	22,361
With an allowance recorded:
Commercial		$	—		$	—		$	—		$	—		$	—
Commercial real estate:
Construction			—			—			—			—			—
Owner occupied			238			238			87			15			60
Other			—			—			—			—			500
Faith based non-profit:
Construction			—			—			—			—			214
Owner occupied			428			428			44			30			—
Other			—			—			—			—			—
Residential real estate:
First mortgage			1,543			1,543			349			45			757
Multifamily			—			—			—			—			—
Home equity			—			—			—			—			—
Construction			—			—			—			—			—
Consumer			—			—			—			—			—
Impaired loans with allowance recorded		$	2,209		$	2,209		$	480		$	90		$	1,531
Impaired loans		$	22,817		$	22,203		$	480		$	877		$	23,892
Impaired loans not included in the above December 31, 2012 table are recorded investments of $1.9 million in homogeneous first mortgage residential real estate loans, which are collectively measured for impairment. Total impaired loans were $24.1 million as of December 31, 2012.
The recorded investment in TDRs, which are included in total impaired loans, was $24.5 million, $25.5 million and $20.2 million at September 30, 2013, September 30, 2012 and December 31, 2012, respectively.
Reserve for Credit Losses - The Company's reserve for credit losses is comprised of two components, the ALLL and the reserve for unfunded commitments (the “Unfunded Reserve”).
Allowances for Loan Losses - The ALLL is a valuation allowance that is established through a provision for loan losses charged to expense. When management believes that the collectability of the principal is unlikely, loans are charged against the ALLL. Subsequent recoveries, if any, are credited to the ALLL.
The ALLL is management's estimate of probable losses that are inherent in the loan portfolio. The ALLL is based on regular quarterly assessments. The methodologies for measuring the appropriate level of the ALLL include the combination of a quantitative historical loss history by loan type and a qualitative analysis for loans not classified as impaired or TDRs ("ASC 450 reserve"), and a specific allowance method for impaired and TDR loans ("ASC 310 reserve"). The qualitative analysis for the ASC 450 reserve is patterned after the guidelines provided under Securities Exchange Commission (“SEC”) Staff Accounting Bulletin 102 and the Federal Financial Institutions Examination Council (“FFIEC”) Interagency Policy Statement on the Allowance for Loan and Lease Losses and include the following:
	·	Changes in lending policies and procedures, including underwriting standards and collection, charge-off, and recovery practices;
	·	Changes in national economic and business conditions and developments and the effect of unemployment on African Americans, who are the majority of our customers;
	·	Changes in the nature and volume of the loan portfolio;
	·	Changes in the experience, ability, and depth of lending management and staff;
	·	Changes in trends of the volume and severity of past due and classified loans; and changes in trends in the volume of non-accrual loans, troubled debt restructurings and classified loans;
	·	Changes in the quality of the loan review system and the degree of oversight by the Bank’s Board of Directors;
	·	The existence and effect of any concentrations of credit, and changes in the level of such concentrations; and
	·	The effect of external factors such as competition and legal and regulatory requirements.
Management has developed, from historical loan and economic information, quantitative drivers for certain qualitative factors. Management has identified which factors, by nature, are subjective, such as lending policies, competition and regulatory requirements. The quantitative drivers of qualitative factors, to which different weights are assigned based on management’s judgment, are reviewed and updated quarterly based on updated quarterly and eight-quarter rolling data. The quantitative loss history is based on an eight-quarter rolling history of losses incurred by different loan types within the loan portfolio.
A specific ALLL is established for loans identified as impaired or TDRs, based on significant conditions or circumstances related to the specific credits. The specific allowance amounts are determined by a method prescribed by ASC 310, Receivables. Loans identified as impaired and non-accruing TDRs are accounted for in accordance with one of three valuations: (i) the present value of future cash flows discounted at the loan's effective interest rate; (ii) the loan's observable market price, or (iii) the fair value of the collateral, if the loan is collateral dependent, less estimated liquidation costs such as realtor fees, delinquent property taxes, and other miscellaneous recording fees and taxes. Generally, appraisals are considered current if performed within the past 12 months. At September 30, 2013, there were 87 loans evaluated based upon collateral dependency, and one loan evaluated based upon present value of cash flows compared to 55 loans evaluated based upon collateral dependency and no loans evaluated based upon present value of cash flows at December 31, 2012.
For commercial business, faith-based non-profit, real estate and certain consumer loans, the measurement of loan impairment is based on the present value of the expected future cash flows, discounted at the loan's effective interest rate, or on the fair value of the loan's collateral if the loan is collateral dependent. Most consumer loans are smaller balance and homogeneous, and are evaluated for impairment on a collective basis, applying the quantitative loss history and the qualitative factors. Impairment losses are included in the ALLL through a charge to the provision for loan losses.
The Company uses several credit quality indicators to manage credit risk on an ongoing basis. The Company's credit risk rating system was developed to aid in the risk management process by grouping credits with similar risk profiles into pass (which includes internal watch), special mention, or criticized categories, which includes substandard, doubtful, and loss. Credit risk ratings are applied individually to all classes of loans. Internal credit reviews and external contracted credit review examinations are used to determine and validate loan risk grades. The credit review system takes into consideration factors such as: borrower's background and experience; historical and current financial condition; credit history and payment performance; economic conditions and their impact on various industries; type, market value and volatility of the market value of collateral; lien position; and the financial strength of guarantors.
The process of assessing the adequacy of the ALLL is necessarily subjective. Further, and particularly in periods of economic downturns, it is reasonably possible that future credit losses may exceed historical loss levels and may also exceed management's current estimates of incurred losses inherent within the loan portfolio. As such, there can be no assurance that future loan charge-offs will not exceed management's current estimate of what constitutes a reasonable ALLL.
The Company and the Bank are subject to periodic examination by their federal and state regulators, and may be required by such regulators to recognize additions to the allowance for loan losses based on the regulators' assessment of credit information available to them at the time of their examinations.
Reserve for Unfunded Commitments - The Unfunded Reserve is a component of other liabilities and represents the estimate for probable credit losses inherent in unfunded commitments to extend credit. Unfunded commitments to extend credit include loans with usable balances available, new commitments to lend that are not yet funded, and standby and commercial letters of credit. The process used to determine the Unfunded Reserve is consistent with the process for determining the quantitative portion of the ASC 450 reserve, as adjusted for estimated funding probabilities and historical eight quarter rolling quantitative loan loss factors. The level of the Unfunded Reserve is adjusted by recording an expense or recovery in other noninterest expense. The balances of $39 thousand and $54 thousand at September 30, 2013 and December 31, 2012, respectively, are reflected in other liabilities on the Consolidated Balance Sheets.
The following table presents the recorded investment in non-accrual loans and loans past due over 90 days still on accrual by class of loans as of September 30, 2013 and December 31, 2012, respectively:
								90 Days
								or More
								Past Due
30-Sep-13								Still
(Dollars in thousands)		Non-accrual			Number			Accruing			Number
Commercial		$	2			1		$	—			—
Commercial real estate:
Construction			—			—			—			—
Owner occupied			78			2			52			1
Other			45			1			526			3
Faith-based non-profit
Construction			—			—			—			—
Owner Occupied			1,285			2			—			—
Other			—			—			—			—
Residential real estate:
First mortgage			3,092			39			814			16
Multifamily			—			—			—			—
Home equity			14			3			19			1
Construction			—			—			—			—
Consumer			12			2			—			—
Other loans			—			—			—			—
Total		$	4,528			50		$	1,411			21
								90 Days
								or More
								Past Due
31-Dec-12								Still
(Dollars in thousands)		Non-accrual			Number			Accruing			Number
Commercial		$	—			—		$	—			—
Commercial real estate:
Construction			—			—			—			—
Owner occupied			39			1			224			4
Other			49			1			351			1
Faith-based non-profit
Construction			—			—			—			—
Owner Occupied			5,241			4			661			3
Other			—			—			—			—
Residential real estate:
First mortgage			3,384			44			357			6
Multifamily			—			—			—			—
Home equity			3			1			101			1
Construction			—			—			—			—
Consumer			16			2			—			—
Other loans			—			—			—			—
Total		$	8,732			53		$	1,694			15
Non-accrual loans and loans past due over 90 days still accruing interest include both smaller balance homogenous loans that are collectively evaluated for impairment and individually classified impaired loans. Loans for which principal or interest is in default for 90 days or more are classified as a non-accrual unless they are well secured and in process of collection.
Those loans over 90 days still accruing interest were in the process of modification. In these cases, the borrowers are still making payments. Borrowers have continued to make payments on these loans while administrative and legal due processes are proceeding which will enable the Bank to extend or modify maturity dates.
The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans for reserves according to the loan's classification as to credit risk. This analysis includes non-homogenous loans, such as commercial, commercial real estate and faith-based non–profit entities, and mortgage loans in process of foreclosure for which the loan to value does not support repayment in full. This analysis is performed on at least a quarterly basis. The Company uses the following definitions for risk ratings:
	·	Special Mention. Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date. Management believes that there is a moderate likelihood of some loss related to those loans and leases that are considered special mention.
	·	Substandard. Loans classified as substandard are inadequately protected by the current sound financial repayment capacity and debt service coverage of the obligor or of the collateral pledge, if any. Loans so classified have a well-defined weakness or weaknesses that may jeopardize the liquidation of repayment according to the original terms of the debt. In addition to commercial and faith-based non-profit loans with identified weaknesses, substandard loans include loans within the mortgage and consumer portfolio segments that are past due 90 days or more as to principal or interest if the loan to value does not support full repayment. Substandard loans are evaluated for impairment on an individual loan basis unless the substandard loan is a smaller homogeneous loan that is not a TDR and is not in the process of foreclosure. These loans exhibit a distinct possibility that the Company will sustain some loss if the deficiencies related to the loss are not corrected in a timely manner.
	·	Doubtful. Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.
	·	Loss. Based on current facts and circumstances, loans classified as loss are not expected to be repaid, or that collateral will be difficult to liquidate. Loans classified as loss are charged off to the ALLL with board approval.
	·	Pass. Loans not identified as special mention, substandard, doubtful or loss are classified as pass.
The following is a breakdown of loans by risk categories at September 30, 2013 and December 31, 2012:
30-Sep-13
(Dollars in thousands)		Pass			Special Mention			Substandard			Doubtful			Total
Commercial		$	9,802		$	2,850		$	6		$	—		$	12,658
Commercial real estate:
Construction			3,812			—			547			—			4,359
Owner occupied			17,023			608			4,018			—			21,649
Other			24,326			961			3,562			—			28,849
Faith-based non-profit
Construction			—			—			—			—			—
Owner Occupied			65,252			8,255			5,940			—			79,447
Other			6,478			2			—			—			6,480
Residential real estate:
First mortgage			18,832			684			3,643			—			23,159
Multifamily			3,675			39			62			—			3,776
Home equity			2,820			—			320			—			3,140
Construction			—			—			—			—			—
Consumer			1,194			—			18			—			1,212
Other loans			2,427			—			—			—			2,427
Total		$	155,641		$	13,399		$	18,116		$	—		$	187,156
31-Dec-12
(Dollars in thousands)		Pass			Special Mention			Substandard			Doubtful			Total
Commercial		$	3,274		$	—		$	8		$	—		$	3,282
Commercial real estate:
Construction			3,065			—			556			—			3,621
Owner occupied			13,379			3,151			1,847			—			18,377
Other			21,582			966			3,623			—			26,171
Faith-based non-profit
Construction			2,344			—			—			—			2,344
Owner Occupied			58,732			5,313			12,373			—			76,418
Other			7,059			76			—			—			7,135
Residential real estate:
First mortgage			19,465			1,731			3,506			—			24,702
Multifamily			5,702			63			63			—			5,828
Home equity			2,853			—			308			—			3,161
Construction			83			—			—			—			83
Consumer			1,323			2			21			—			1,346
Other loans			2,754			—			—			—			2,754
Total		$	141,615		$	11,302		$	22,305		$	—		$	175,222
Loans Modified as a TDR - Loans are considered to have been modified as a TDR when the Company makes certain concessions to a borrower experiencing financial difficulty. Concessions to the borrower at modification may include interest rate reductions, principal or interest forgiveness, forbearance, and other actions intended to minimize economic loss and to avoid foreclosure or repossession of collateral. Generally, a non-accrual loan that has been modified as a TDR remains on non-accrual status for a period of six months to demonstrate that the borrower is able to meet the terms of the modified loan. However, performance prior to the modification, or significant events that coincide with the modification, are included in assessing whether the borrower can meet the new terms and may result in the loan being returned to accrual status at the time of loan modification or after a shorter performance period. Since the economic crisis began in 2008, management has elected to offer concessions to borrowers with identified financial weaknesses, even if the borrowers have continued making scheduled payments, working with the borrowers to enable them to continue meeting their obligations to repay the debt to the Company.
The following tables present TDRs as of September 30, 2013 and December 31, 2012.
		Troubled Debt Restructurings
		30-Sep-13
								Non-accrual						Total
		Accrual Status						Status						Modifications
(Dollars in thousands)		Number			Amount			Number			Amount			Number			Amount
Commercial real estate:
Construction			2		$	362			—		$	—			2		$	362
Owner occupied			5			3,105			—			—			5			3,105
Other			5			4,886			—			—			5			4,886
Faith-based non-profit:
Owner occpied			20			15,767			1			30			21			15,797
Residential real estate:
First mortgage			1			31			3			251			4			282
			33		$	24,151			4		$	281			37		$	24,432
		Troubled Debt Restructurings
		31-Dec-12
								Non-accrual						Total
		Accrual Status						Status						Modifications
(Dollars in thousands)		Number			Amount			Number			Amount			Number			Amount
Commercial real estate:
Construction			2		$	371			—		$	—			2		$	371
Owner occupied			4			730			—			—			4			730
Other			5			3,648			—			—			5			3,648
Faith-based non-profit:
Owner occpied			17			9,666			4			5,241			21			14,907
Residential real estate:
First mortgage			2			285			4			309			6			594
			30		$	14,700			8		$	5,550			38		$	20,250
The following table shows loans restructured during the three and nine months ended September 30, 2013.
		30-Sep-13
					Pre-modification Outstanding			Post-Modification Outstanding
(Dollars in thousands)		Number of loans			Recorded Investment			Recorded Investment
Extended payment terms
Commercial real estate:
Owner occupied			1		$	40		$	21
Faith-based non-profit:
Owner Occupied			1			1,284			1,276
			2		$	1,324		$	1,297
		For the Nine Months Ended
		30-Sep-13
					Pre-modification Outstanding			Post-Modification Outstanding
(Dollars in thousands)		Number of loans			Recorded Investment			Recorded Investment
Extended payment terms
Commercial real estate:
Owner occupied			1		$	40		$	21
Faith-based non-profit:
Owner Occupied			1			1,284			1,276
			2		$	1,324		$	1,297
The following table shows loans restructured during the three and nine months ended September 30, 2012.
		For the Three Months Ended
		30-Sep-12
					Pre-modification Outstanding			Post-Modification Outstanding
(Dollars in thousands)		Number of loans			Recorded Investment			Recorded Investment
Below market interest rate
Owner Occupied			1		$	2,522		$	2,522
Other loans			—			—			—
			1		$	2,522		$	2,522
		For the Nine Months Ended
		30-Sep-12
					Pre-modification Outstanding			Post-Modification Outstanding
(Dollars in thousands)		Number of loans			Recorded Investment			Recorded Investment
Below market interest rate
Owner Occupied			1			2,522			2,522
Extended payment terms
Owner occupied			1			80			80
Other loans			1			1,353			1,353
			3		$	3,955		$	3,955
There were no loans modified as TDRs and with a payment default, with the payment default occurring within 12 months of the restructure date, and the payment default occurring during the three and nine months ended September 30, 2013 and 2012.
TDR defaults can result in a higher ALLL and a corresponding higher provision for loan losses because they generally negatively impact the timing of and expected collections from these impaired loans. Impaired loans, which include TDRs, are evaluated for specific additions to the ALLL by subtracting the recorded investment in these impaired loans from their fair values. Fair values is generally determined by the present value of future cash flows, collateral value, or liquidation value. Defaults generally reduce the present value of the future cash flows and can negatively influence the collateral values if the declining real estate values affect the sale of collateral.

OTHER_REAL_ESTATE_OWNED

OTHER REAL ESTATE OWNED	9 Months Ended
	Sep. 30, 2013
Real Estate [Abstract]	'
OTHER REAL ESTATE OWNED ("OREO")	'
	7	OTHER REAL ESTATE OWNED (“OREO”)
	At the time of foreclosure, real estate is recorded at fair market value based on appraised value less estimated costs to sell, such as realtor, legal and recording fees and expenses. Subsequent to foreclosure, properties are appraised annually and adjusted to the lower of carrying amount or fair market value less estimated costs to sell. At September 30, 2013 and December 31, 2012, OREO totaled $2.9 million and $3.1 million, respectively.

BORROWINGS

BORROWINGS	9 Months Ended
	Sep. 30, 2013
BorrowingsAbstract	'
BORROWINGS	'
	8	BORROWINGS
	Borrowings as of September 30, 2013 consisted of an FHLB borrowing of $0.7 million with an interest rate of 0.50% that matures in 2020 and a capital lease of $0.2 million with an interest rate of 1.60%. Borrowings as of December 31, 2012 consisted of an FHLB borrowing of $0.7 million with an interest rate of 0.50% that matures in 2020, a capital lease of $0.2 million with an interest rate of 1.60%, and $2.0 million in loan participations sold (that did not qualify for sales accounting under GAAP), with an effective interest rate of 4.45%. During the first quarter of 2013, loan participation agreements were updated to conform for sales accounting treatment; therefore, loan participations are now netted within the loans category.
	The Company has federal funds lines of credit with three correspondent banks totaling $10.0 million at September 30, 2013 and December 31, 2012. The Company periodically tests its federal funds lines of credit with its correspondent banks. These lines were tested during the three and nine months ended September 30, 2013. The Company had unused borrowing capacity with the FHLB of $6.3 million as of September 30, 2013 and $7.5 million as of December 31, 2012. In addition, the Company has the ability to borrow from the Federal Reserve Bank to the extent of investment securities pledged to the Federal Reserve Bank.

COMMITMENTS_AND_CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	9 Months Ended
	Sep. 30, 2013
Commitments And Contingencies	'
COMMITMENTS AND CONTINGENCIES	'
	9	COMMITMENTS AND CONTINGENCIES
	The Bank is a 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. These instruments involve, to varying degrees, elements of credit and interest rate risk beyond the amount recognized on the Consolidated Balance Sheets. The contractual amounts of those instruments reflect the extent of involvement the Bank has in particular classes of financial instruments.
	The Bank’s exposure to credit losses in the event of non-performance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amount of those instruments. The Bank utilizes the same credit policies in making commitments and conditional obligations as it does for balance sheet instruments.
	Commitments to extend credit are agreements to lend to a customer as long as there is not a 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. 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 Bank evaluates each customer’s credit worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank, upon extension of credit is based on management’s credit evaluation of the counter parties. Collateral varies and may include real estate, accounts receivable, inventory, property, plant and equipment, and income-producing commercial properties.
	Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. To the extent deemed necessary, collateral of varying types and amounts is held to secure customer performance under certain of those letters of credit outstanding.
	Financial instruments whose contract amounts represent credit risk as of September 30, 2013 and December 31, 2012, respectively, are commitments to extend credit (including availability of lines of credit), and standby letters of credit. Loan commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. The Bank evaluates each customer’s credit worthiness on a case-by-case basis. The amount of collateral deemed necessary by the Bank is based on management’s credit evaluation and underwriting guidelines for the particular loan.
	Commitments outstanding at September 30, 2013 are summarized in the following table:
	(Dollars in thousands)		Commercial		Other loan		Total
			letters of credit		commitments		commitments
	Less than one year		$	123	$	5,240	$	5,363
	One to three years			86		730		816
	Three to five years			321		1,775		2,096
	More than five years			—		20,411		20,411
	Total		$	530	$	28,156	$	28,686

FAIR_VALUE_MEASUREMENT

FAIR VALUE MEASUREMENT	9 Months Ended
	Sep. 30, 2013
Fair Value Measurement	'
FAIR VALUE MEASUREMENT	'
	10	FAIR VALUE MEASUREMENT
	Fair value is defined as the exchange price that would be received to sell an asset or paid to transfer a liability in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. Fair value should be based on the assumptions market participants would use when pricing an asset or liability and establishes a fair value hierarchy that prioritizes the information used to develop those assumptions. The fair value hierarchy gives the highest priority to quoted prices in active markets and the lowest priority to unobservable data. Fair value measurements are required to be separately disclosed by level within the fair value hierarchy. The Company bases fair values on the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.
	For assets and liabilities recorded at fair value, the Company maximizes the use of observable inputs and minimizes the use of unobservable inputs when developing fair value measurements, in accordance with the fair value hierarchy.
	Fair value measurements for assets and liabilities where there exists limited or no observable market data and, therefore, are based primarily upon estimates, are often calculated based on the economic and competitive environment, the characteristics of the asset or liability and other factors. Therefore, the results cannot be determined with precision and may not be realized in an actual sale or immediate settlement of the asset or liability. Additionally, there may be inherent weaknesses in any calculation technique, and changes in the underlying assumptions used, including discount rates and estimates of future cash flows, could significantly affect the results of current or future values.
	The Company utilizes fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. Securities available-for-sale are recorded at fair value on a recurring basis. Additionally, from time to time, the Company may be required to record at fair value other assets on a nonrecurring basis, such as loans held for sale, loans held for investment, OREO, and certain other assets. These nonrecurring fair value adjustments typically involve application of lower of cost or market accounting or write-downs of individual assets.
	The Company groups assets and liabilities at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. These levels are:
	Level 1 — Valuations for assets and liabilities traded in active exchange markets, such as the New York Stock Exchange.
	Level 2 — Valuations are obtained from readily available pricing sources via independent providers for market transactions involving similar assets or liabilities. The Company’s principal market for these securities is the secondary institutional markets and valuations are based on observable market data in those markets. Level 2 securities include U. S. Agencies, state and municipal bonds and MBS.
	Level 3 — Valuations for assets and liabilities that are derived from other valuation methodologies, including option pricing models, discounted cash flow models and similar techniques, and not based on market exchange, dealer, or broker traded transactions. Level 3 valuations incorporate certain assumptions and projections in determining the fair value assigned to such assets.
	Assets and Liabilities Measured on a Recurring Basis:
	Available-for-Sale Investment Securities: Investment securities are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities. Level 1 securities include those traded on nationally recognized securities exchanges, U.S. Treasury securities, and money market funds. Level 2 securities include U.S. government agency securities, mortgage-backed securities issued by government-sponsored entities, municipal bonds and corporate debt securities. Securities classified as Level 3 include asset-backed securities in less liquid markets.
	Assets measured at fair value on a recurring basis as of September 30, 2013 were:
	(Dollars in thousands)				Quoted Prices in		Significant Other		Significant
					Active Markets for		Observable		Unobservable
					Identical Assets		Inputs		Inputs
	Description		30-Sep-13		(Level 1)		(Level 2)		(Level 3)
	Recurring:
	US government agencies		$	4,882	$	—	$	4,882	$	—
	Government sponsored MBS
	Residential			51,579		—		51,579		—
	Municipal securities
	North Carolina			1,477		—		1,477		—
	Total		$	57,938	$	—	$	57,938	$	—
	Assets measured at fair value on a recurring basis as of December 31, 2012 were:
	(Dollars in thousands)				Quoted Prices in		Significant Other		Significant
					Active Markets for		Observable		Unobservable
					Identical Assets		Inputs		Inputs
	Description		31-Dec-12		(Level 1)		(Level 2)		(Level 3)
	Recurring:
	US government agencies		$	1,327	$	—	$	1,327	$	—
	Government sponsored MBS
	Residential			57,931		—		57,931		—
	Municipal securities
	North Carolina			1,553		—		1,553		—
	Total		$	60,811	$	—	$	60,811	$	—
	There were no recurring Level 3 Assets at September 30, 2013 or December 31, 2012.
	Assets and Liabilities Measured on a Nonrecurring Basis:
	Impaired loans: Impaired loans are evaluated and valued at the time the loan is identified as impaired, and are carried at the lower of cost or market value. Market value is measured based on the value of the collateral securing these loans or net present value of expected future cash flows discounted at the loan’s effective interest rate. Collateral may be real estate and/or business assets including equipment, inventory, and/or accounts receivable. The value of business equipment, inventory, and accounts receivable collateral is based on net book value on the business’ financial statements and, if necessary, discounted based on management’s review and analysis. Appraised and reported values may be discounted based on management’s historical knowledge, changes in market conditions from the time of valuation, and/or management’s expertise and knowledge of the client and the client’s selling costs and other expenses. Impaired loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on the same factors identified above. The Company records impaired loans as nonrecurring Level 3, when Management believes the underlying collateral is worth less than the appraised value.
	Other real estate owned (“OREO”): Foreclosed assets are adjusted to fair value, less estimated carrying costs and costs to sell, upon transfer of the loans to foreclosed assets. Subsequently, foreclosed assets are carried at the lower of the carrying value or the fair value, less estimated costs to sell. Fair value is based upon independent market prices, appraised values of the collateral, or management’s estimation of the value of the collateral. The Company records foreclosed assets as nonrecurring Level 3.
	Repossessed Collateral: Repossessed collateral is adjusted to fair value, less estimated costs to sell, upon transfer of the loans to repossessions. Subsequently, repossessed assets are carried at the lower of the carrying value or the fair value, less estimated costs to sell. Fair value is based upon independent market prices, appraised values of the collateral, or management’s estimation of the value of the collateral. The Company records repossessed collateral as nonrecurring Level 3.
	Mortgage Serving Rights: Mortgage servicing rights do not trade in an active market with readily observable market data. As a result, the Company estimates the fair value of mortgage servicing rights by using a discounted cash flow model to calculate the present value of estimated future net servicing income. The Company stratifies its mortgage servicing portfolio on the basis of loan type. The assumptions used in the discounted cash flow model are those that we believe market participants would use in estimating future net servicing income, including estimates of loan prepayment rates, servicing costs, ancillary income, impound account balances, and discount rates. Significant assumptions in the valuation of mortgage servicing rights include changes in interest rates, estimated loan repayment rates, and the timing of cash flows, among other factors. Mortgage servicing rights are classified as Level 3 measurements due to the use of significant unobservable inputs, as well as significant management judgment and estimation.
	Assets measured at fair value on a nonrecurring basis as of September 30, 2013 and December 31, 2012 were:
	(Dollars in thousands)				Quoted Prices in		Significant Other		Significant
					Active Markets for		Observable		Unobservable
					Identical Assets		Inputs		Inputs
	Description		30-Sep-13		(Level 1)		(Level 2)		(Level 3)
	Nonrecurring:
	OREO		$	2,942	$	—	$	—	$	2,942
	Repossessed collateral			590		—		—		590
	Impaired loans:
	Commercial real estate			8,496		—		—		8,496
	Faith-based non-profit			17,020		—		—		17,020
	Residential real estate			3,790		—		—		3,790
	Consumer			13		—		—		13
	Mortgage Servicing Rights			25		—		—		25
	Total		$	32,876	$	—	$	—	$	32,876
	(Dollars in thousands)				Quoted Prices in		Significant Other		Significant
					Active Markets for		Observable		Unobservable
					Identical Assets		Inputs		Inputs
	Description		31-Dec-12		(Level 1)		(Level 2)		(Level 3)
	Nonrecurring:
	OREO		$	3,055	$	—	$	—	$	3,055
	Repossessed collateral			590		—		—		590
Impaired loans:
Commercial real estate			4,749		—		—		4,749
Faith-based non-profit			14,863		—		—		14,863
Residential real estate			3,916		—		—		3,916
Consumer			16		—		—		16
Mortgage Servicing Rights			36		—		—		36
Total		$	27,225	$	—	$	—	$	27,225
Quantitative Information about Level 3 Fair Value Measurements
(Dollars in thousands)						Significant		Significant
				Valuation		Unobservable		Unobservable
Description		30-Sep-13		Technique		Inputs		Input Value
Nonrecurring:
OREO		$	2,942		discounted appraisals		collateral discounts		6-20	%
Repossessed collateral			590		discounted appraisals		collateral discounts		20-50	%
Impaired loans			29,319		discounted appraisals		collateral discounts		6-20	%
Mortgage Servicing Rights			25		discounted cash flows		PSA speed		426	%
Total		$	32,876				cost to service		6	%
							discount rate		10	%
(Dollars in thousands)						Significant		Significant
				Valuation		Unobservable		Unobservable
Description		31-Dec-12		Technique		Inputs		Input Value
Nonrecurring:
OREO		$	3,055		discounted appraisals		collateral discounts		6-20	%
Repossessed collateral			590		discounted appraisals		collateral discounts		20-50	%
Impaired loans			23,544		discounted appraisals		collateral discounts		6-20	%
Mortgage Servicing Rights			36		discounted cash flows		PSA speed		426	%
Total		$	27,225				cost to service		6	%
							discount rate		10	%
The Company discloses estimated fair values for its significant financial instruments. The methodologies for estimating the fair value of financial assets and liabilities that are measured at fair value on a recurring or non-recurring basis are discussed above. The methodologies for other financial assets and liabilities are discussed below.
The Company had no transfers between any of the three levels in 2012 or 2013.
Cash and Cash Equivalents: The carrying amount of cash, due from banks, and federal funds sold approximates fair value, and is therefore considered Level 1 input.
Loans (other than impaired), net of allowances for loan losses: Fair values are estimated for portfolios of loans with similar financial characteristics. The majority of the Company’s loans and lending-related commitments are not carried at fair value on a recurring basis on the Consolidated Balance Sheets, nor are they actively traded.
The fair value of performing loans is calculated by discounting scheduled cash flows through their individual contractual maturity, using discount rates that reflect the credit risk, overhead expenses, interest rate earned and again, contractual maturity of each loan. The maturity is based on contractual maturities for each loan, modified as required by an estimate of the effect of historical prepayments and current economic conditions.
For all loans, assumptions regarding the characteristics and segregation of loans, maturities, credit risk, cash flows, and discount rates are determined using specific borrower and other available information and are therefore considered a Level 3 input.
Accrued Interest Receivable and Payable: The fair value of interest receivable and payable is estimated to approximate the carrying amounts and is therefore considered a Level 1 input.
Deposits: The fair value of deposits with no stated maturity, such as demand deposits, checking accounts, savings and money market accounts, is equal to the carrying amount and is therefore considered a Level 1 input. The fair value of certificates of deposit is based on the discounted value of contractual cash flows, where the discount rate is estimated using the market rates currently offered for deposits of similar remaining maturities and is therefore considered a Level 2 input.
Borrowings: The fair value of borrowings is based on the discounted value of estimated cash flows. The discounted rate is estimated using market rates currently offered for similar advances or borrowings and is therefore considered a Level 3 input.
Off-Balance Sheet Instruments: Since the majority of the Company’s off-balance sheet instruments consist of non-fee-producing variable rate commitments, the Company has determined they do not have a distinguishable fair value.
As of September 30, 2013 and December 31, 2012, the carrying amounts and associated estimated fair value of financial assets and liabilities of the Company are as follows:
		30-Sep-13
(Dollars in thousands)		Carrying		Estimated
(Unaudited)		Amount		Fair Value		Level 1		Level 2			Level 3
Assets:
Cash and cash equivalents		$	29,362	$	29,362	$	29,362	$	—		$	—
Marketable securities			57,938		57,938		—		57,938			—
Loans, net of allowances for loan losses			183,919		181,266							181,266
Accrued interest receivable			862		862		862		—
Liabilities:
Non-maturity deposits		$	118,500	$	118,500		118,500		—			—
Maturity deposits			131,375		130,992		—		130,992			—
Other borrowings			867		805		—		—			805
Accrued interest payable			90		90		90		—			—
		31-Dec-12
(Dollars in thousands)		Carrying		Estimated
		Amount		Value		Level 1		Level 2			Level 3
Assets:
Cash and cash equivalents		$	42,586	$	42,586	$	42,586	$	—		$	—
Marketable securities			60,811		60,811		—		60,811			—
Loans, net of allowances for loan losses			171,723		175,041		—		—			175,041
Accrued interest receivable			858		858		858		—			—
Liabilities:
Non-maturity deposits		$	116,276	$	116,276		116,276		—			—
Maturity deposits			134,603		134,322		—		134,322	#		—
Other borrowings			2,937		2,871		—		—			2,871
Accrued interest payable			119		119		119		—			—

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Sep. 30, 2013
Summary Of Significant Accounting Policies Policies	'
Nature of Operations	'
	Nature of Operations
	M&F Bancorp, Inc. (the “Company”) is a bank holding company, and the parent company of Mechanics and Farmers Bank (the “Bank”), a state chartered commercial bank incorporated in North Carolina (“NC”) in 1907, which began operations in 1908. The Bank has seven branches in NC: two in Durham, two in Raleigh, and one each in Charlotte, Greensboro and Winston-Salem. The Company, headquartered in Durham, operates as a single business segment and offers a wide variety of consumer and commercial banking services and products almost exclusively in NC.
Basis of Presentation	'
	Basis of Presentation
	The Consolidated Financial Statements include the accounts and transactions of the Company and the Bank, the wholly owned subsidiary. All significant inter-company accounts and transactions have been eliminated in consolidation.
	The Consolidated Financial Statements have been prepared in accordance with generally accepted accounting principles in the United States (“GAAP”) for interim financial statements and in accordance with the instructions for Form 10-Q and Rule 8-03 of Regulation S-X. The accompanying Consolidated Financial Statements and Notes are unaudited except for the balance sheet and footnote information as of December 31, 2012, which were derived from the Company’s audited consolidated Annual Report on Form 10-K as of and for the year ended December 31, 2012.
	The Consolidated Financial Statements included herein do not include all the information and notes required by GAAP and should be read in conjunction with the Consolidated Financial Statements and the related notes thereto included in the Company’s Annual Report on Form 10-K as of and for the year ended December 31, 2012.
	In the opinion of management, the interim financial statements include all adjustments, consisting of normal recurring accruals, necessary for a fair presentation of the financial position, results of operations and cash flows in the Consolidated Financial Statements. The unaudited operating results for the periods presented may not be indicative of annual results.
Segment Reporting	'
	Segment Reporting
	Based on an analysis performed by the Company, management has determined that the Company has only one operating segment, which is commercial banking. The chief operating decision-maker uses consolidated results to make operating and strategic decisions and therefore, the Company is not required to disclose additional segment information.
Use of Estimates	'
	Use of Estimates
	The financial statements are prepared in accordance with GAAP, which require management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates.
New Accounting Pronouncements	'
	New Accounting Pronouncements
	The Financial Accounting Standards Board (“FASB”) amended the Comprehensive Income topic of the Accounting Standards Codification (“ASC”) in February 2013. The amendments address reporting of amounts reclassified out of accumulated other comprehensive income. Specifically, the amendments do not change the current requirements for reporting net income or other comprehensive income in financial statements. However, the amendments do require an entity to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, in certain circumstances an entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income. The amendments were effective for the Company on a prospective basis for reporting periods beginning after December 15, 2012. The adoption of these amendments did not have a material effect on the consolidated financial statements of the Company, although new disclosures are included in these consolidated financial statements.
	On April 22, 2013, the FASB issued guidance addressing application of the liquidation basis of accounting. The guidance is intended to clarify when an entity should apply the liquidation basis of accounting. In addition, the guidance provides principles for the recognition and measurement of assets and liabilities and requirements for financial statements prepared using the liquidation basis of accounting. The amendments will be effective for entities that determine liquidation is imminent during annual reporting periods beginning after December 15, 2013, and interim reporting periods therein and those requirements should be applied prospectively from the day that liquidation becomes imminent. Early adoption is permitted. The Company does not expect these amendments to have any effect on its financial statements.
	Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company’s financial position, results of operations or cash flows.

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2013
Investment Securities Tables	'
Schedule of Investment Securities	'
	The amortized cost, gross unrealized gains and losses and fair values of investment securities at September 30, 2013 and December 31, 2012 were:
	(Dollars in thousands)	Amortized		Gross			Gross			Fair Value
		Cost		Unrealized			Unrealized
				Gains			Losses
	(Unaudited)
	30-Sep-13
	US government agencies	$	5,000	$	7		$	(125	)	$	4,882
	Government sponsored MBS
	Residential		51,733		191			(345	)		51,579
	Municipal securities
	North Carolina		1,488		28			(39	)		1,477
	Total at September 30, 2013	$	58,221	$	226		$	(509	)	$	57,938
	31-Dec-12
	US government agencies	$	1,322	$	5		$	—		$	1,327
	Government sponsored MBS
	Residential		57,333		627			(29	)		57,931
	North Carolina		1,497		56			—			1,553
	Total at December 31, 2012	$	60,152	$	688		$	(29	)	$	60,811
Schedule of Investment Securities maturities	'
	The amortized cost and estimated market values of securities as of September 30, 2013 and December 31, 2012 by contractual maturities are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. MBS, which are not due at a single maturity date, are grouped based upon the final payment date. MBS may mature earlier because of principal prepayments.
	(Dollars in thousands)	As of September 30, 2013
	(Unaudited)	Fair Value		Amortized Cost
	US government agencies
	Due after one year through five years	$	3,004	$	3,000
	Due after five years through ten years		1,878		2,000
	Total US government agencies	$	4,882	$	5,000
	Government sponsored MBS
	Residential
	Due within one year	$	15,830	$	15,882
	Due after one year through five years		24,659		24,733
	Due after five years through ten years		7,484		7,513
	Due after ten years		3,606		3,605
	Total government sponsored MBS	$	51,579	$	51,733
	Municipal bonds
	North Carolina
	Due within one year	$	476	$	466
	Due after one year through five years		441		423
	Due after five years through ten years		560		599
	Total North Carolina municipal bonds	$	1,477	$	1,488
	(Dollars in thousands)	As of December 31, 2012
		Fair Value		Amortized Cost
	US government agencies
	Due within one year	$	1,005	$	1,000
	Due after one year through five years		322		322
	Total US government agencies	$	1,327	$	1,322
	Government sponsored MBS
	Residential
	Due within one year
	Due after one year through five years	$	135	$	126
	Due after five years through ten years		171		161
	Due after ten years		57,625		57,046
	Total government sponsored MBS	$	57,931	$	57,333
	Municipal bonds
	North Carolina
	Due within one year	$	488	$	466
	Due after one year through five years		458		425
	Due after five years through ten years		607		606
	Total North Carolina municipal bonds	$	1,553	$	1,497
Schedule of Securities in an unrealized los position	'
	As of September 30, 2013 and December 31, 2012, the fair value of securities with gross unrealized losses by length of time that the individual securities have been in an unrealized loss position is as follows:
	(Dollars in thousands)	Less Than 12 Months					12 Months or Greater					Total
	(Unaudited)	Fair Value		Unrealized			Fair Value			Unrealized		Fair Value		Unrealized
				Losses						Losses				Losses
	30-Sep-13
	US government agencies	$	2,875	$	(125	)	$	—		$	—	$	2,875	$	(125	)
	Government sponsored MBS
	Residential		34,354		(345	)		21			—		34,375		(345	)
	Municipal securities
	North Carolina		560		(39	)		—			—		560		(39	)
	Total at September 30, 2013	$	37,789	$	(509	)	$	21		$	—	$	37,810	$	(509	)
	(Dollars in thousands)	Less Than 12 Months					12 Months or Greater					Total
		Fair Value		Unrealized			Fair Value			Unrealized		Fair Value		Unrealized
				Losses						Losses				Losses
	31-Dec-12
	Government sponsored MBS
	Residential	$	8,027	$	(29	)	$	21		$	—	$	8,048	$	(29	)
	Total at December 31, 2012	$	8,027	$	(29	)	$	21		$	—	$	8,048	$	(29	)

ACCUMULATED_OTHER_COMPREHENSIV1

ACCUMULATED OTHER COMPREHENSIVE INCOME (Tables)	9 Months Ended
	Sep. 30, 2013
Equity [Abstract]	'
Schedule of changes in Accumulated Other Comprehensive Income (Loss) by Component	'
	CHANGES IN ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) BY COMPONENT
	For The Three And Nine Months Ended September 30, 2013
	(Dollars in thousands)
	(Unaudited)
		Unrealized			Defined			Total
		Gains and			Benefit
		Losses on			Pension Items
		Available-for-
		Sale
		Securities
	Balance as of June 30, 2013	$	(8	)	$	(1,834	)	$	(1,842	)
	Other comprehensive loss before reclassifications		(169	)		—			(169	)
	Amounts reclassified from acumulated other comprehensive loss		—			—			—
	Net current-period other comprehensive loss		(169	)		—			(169	)
	Balance as of September 30, 2013	$	(177	)	$	(1,834	)	$	(2,011	)
	Balance as of December 31, 2012	$	426		$	(1,834	)	$	(1,408	)
	Other comprehensive loss before reclassifications		(603	)		—			(603	)
	Amounts reclassified from acumulated other comprehensive loss		—			—			—
	Net current-period other comprehensive loss		(603	)		—			(603	)
	Balance as of September 30, 2013	$	(177	)	$	(1,834	)	$	(2,011	)

LOANS_AND_ALLOWANCE_FOR_LOAN_L1

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	9 Months Ended
	Sep. 30, 2013
Loans And Allowance For Loan Losses Tables	'
Schedule of Allowance for Loan Losses	'
	The activity in the Allowance for Loan Losses (“ALLL”) for the three and nine months ended September 30, 2013 and 2012 and related asset balances at September 30, 2013 and December 31, 2012 is summarized as follows:
		For the Three Months Ended September 30, 2013
								Faith-
								Based			Residential
					Commercial			Non-			Real						Other
	(Dollars in thousands)	Commercial			Real Estate			Profit			Estate			Consumer			Loans			Unallocated			Total
	ALLL:
	Beginning of quarter balance	$	241		$	806		$	1,278		$	831		$	22		$	43		$	13		$	3,234
	Charge-offs		—			—			—			(40	)		(1	)		(4	)		—			(45	)
	Recoveries		—			25			—			4			6			3			—			38
	Provision for loan losses		203			52			(170	)		(57	)		(8	)		3			(13	)		10
	Balance at September 30, 2013	$	444		$	883		$	1,108		$	738		$	19		$	45		$	—		$	3,237
		For the Three Months Ended September 30, 2012
								Faith-
								Based			Residential
					Commercial			Non-			Real						Other
	(Dollars in thousands)	Commercial			Real Estate			Profit			Estate			Consumer			Loans			Unallocated			Total
	ALLL:
	Beginning of quarter balance	$	61		$	1,187		$	1,091		$	1,243		$	46		$	51		$	—		$	3,679
	Charge-offs		—			—			—			(303	)		—			(8	)		—			(311	)
	Recoveries		—			—			—			4			4			—			—			8
	Provision for loan losses		(36	)		(18	)		(60	)		230			2			4			—			122
	Balance at September 30, 2012	$	25		$	1,169		$	1,031		$	1,174		$	52		$	47		$	—		$	3,498
		For the Nine Months Ended September 30, 2013
								Faith-
								Based			Residential
					Commercial			Non-			Real						Other
	(Dollars in thousands)	Commercial			Real Estate			Profit			Estate			Consumer			Loans			Unallocated			Total
	ALLL:
	Beginning of year balance	$	90		$	881		$	1,246		$	937		$	30		$	54		$	261		$	3,499
	Charge-offs		—			(237	)		—			(73	)		(3	)		(14	)		—			(327	)
	Recoveries		—			27			—			12			7			9			—			55
	Provision for loan losses		354			212			(138	)		(138	)		(15	)		(4	)		(261	)		10
	Balance at September 30, 2013	$	444		$	883		$	1,108		$	738		$	19		$	45		$	—		$	3,237
		For the Nine Months Ended September 30, 2012
								Faith-
								Based			Residential
					Commercial			Non-			Real						Other
	(Dollars in thousands)	Commercial			Real Estate			Profit			Estate			Consumer			Loans			Unallocated			Total
	ALLL:
	Beginning of year balance	$	348		$	971		$	1,128		$	1,299		$	62		$	42		$	—		$	3,850
	Charge-offs		—			(56	)		—			(539	)		(1	)		(26	)		—			(622	)
	Recoveries		—			1						93			1			9			—			104
	Provision for loan losses		(323	)		253			(97	)		321			(10	)		22			—			166
	Balance at September 30, 2012	$	25		$	1,169		$	1,031		$	1,174		$	52		$	47		$	—		$	3,498
Schedule of Loans evaluated for impairment	'
		30-Sep-13
								Faith
								Based
					Commercial			Non-			Residential						Other
	(Dollars in thousands)	Commercial			Real Estate			Profit			Real Estate			Consumer			Loans			Unallocated			Total
	ALLL:
	Ending ALLL balance attributable to loans:
	Individually evaluated for impairment	$	—		$	—		$	87		$	265		$	—		$	—		$	—		$	352
	Collectively evaluated for impairment		444			883			1,021			473			19			45			—			2,885
	Total ending ALLL balance	$	444		$	883		$	1,108		$	738		$	19		$	45		$	—		$	3,237
	Loans:
	Loans individually evaluated for impairment	$	—		$	8,476		$	17,052		$	4,051		$	12		$	—		$	—		$	29,591
	Loans collectively evaluated for imapirment		12,658			46,381			68,875			26,024			1,200			2,427			—			157,565
	Total ending loans balance	$	12,658		$	54,857		$	85,927		$	30,075		$	1,212		$	2,427		$	—		$	187,156
		31-Dec-12
								Faith
								Based
					Commercial			Non-			Residential						Other
	(Dollars in thousands)	Commercial			Real Estate			Profit			Real Estate			Consumer			Loans			Unallocated			Total
	ALLL:
	Ending ALLL balance attributable to loans:
	Individually evaluated for impairment	$	—		$	87		$	44		$	349		$	—		$	—		$	—		$	480
	Collectively evaluated for impairment		90			794			1,202			588			30			54			261			3,019
	Total ending ALLL balance	$	90		$	881		$	1,246		$	937		$	30		$	54		$	261		$	3,499
	Loans:
	Loans individually evaluated for impairment	$	—		$	4,837		$	14,907		$	2,443		$	16		$	—		$	—		$	22,203
	Loans collectively evaluated for impairment		3,282			43,332			70,990			31,331			1,330			2,754			—			153,019
	Total ending loans balance	$	3,282		$	48,169		$	85,897		$	33,774		$	1,346		$	2,754		$	—		$	175,222
Loan Portfolio Schedule	'
	The composition of the loan portfolio, net of deferred fees and costs, by loan classification as of September 30, 2013 and December 31, 2012 was as follows:
	(Dollars in thousands)	30-Sep-13			31-Dec-12
	Commercial	$	12,658		$	3,282
	Commercial real estate:
	Construction		4,359			3,621
	Owner occupied		21,649			18,377
	Other		28,849			26,171
	Faith-based non-profit
	Construction		—			2,344
	Owner Occupied		79,447			76,418
	Other		6,480			7,135
	Residential real estate:
	First mortgage		23,159			24,702
	Multifamily		3,776			5,828
	Home equity		3,140			3,161
	Construction		—			83
	Consumer		1,212			1,346
	Other loans		2,427			2,754
	Loans, net of deferred fees		187,156			175,222
	ALLL		(3,237	)		(3,499	)
	Loans, net of ALLL	$	183,919		$	171,723
Aging schedule of recorded investment in loans	'
	The following tables show past due loans at September 30, 2013 and December 31, 2012:
	30-Sep-13							90 Days
		30-59 Days			60-89 Days			Or More			Total Past
	(Dollars in thousands)	Past Due			Past Due			Past Due			Due			Current			Total
	Commercial	$	4		$	5		$	2		$	11		$	12,647		$	12,658
	Commercial real estate:
	Construction		—			—			—			—			4,359			4,359
	Owner occupied		—			—			129			129			21,520			21,649
	Other		—			—			572			572			28,277			28,849
	Faith-based non-profit
	Construction		—			—			—			—			—			—
	Owner Occupied		613			—			—			613			78,834			79,447
	Other		—			—			—			—			6,480			6,480
	Residential real estate:
	First mortgage		75			—			1,148			1,223			21,936			23,159
	Multifamily		—			—			—			—			3,776			3,776
	Home equity		256			94			19			369			2,771			3,140
	Construction		—			—			—			—			—			—
	Consumer		13			—			—			13			1,199			1,212
	Other loans		—			—			—			—			2,427			2,427
	Total	$	961		$	99		$	1,870		$	2,930		$	184,226		$	187,156
	31-Dec-12							90 Days
		30-59 Days			60-89 Days			Or More			Total Past
	(Dollars in thousands)	Past Due			Past Due			Past Due			Due			Current			Total
	Commercial	$	—		$	353		$	—		$	353		$	2,929		$	3,282
	Commercial real estate:
	Construction		—			—			—			—			3,621			3,621
	Owner occupied		—			—			263			263			18,114			18,377
	Other		1,570			856			400			2,826			23,345			26,171
	Faith-based non-profit
	Construction		—			—			—			—			2,344			2,344
	Owner Occupied		1,845			—			661			2,506			73,912			76,418
	Other		—			—			—			—			7,135			7,135
	Residential real estate:
	First mortgage		787			548			2,812			4,147			20,555			24,702
	Multifamily		—			—			—			—			5,828			5,828
	Home equity		122			120			108			350			2,811			3,161
	Construction		—			—			—			—			83			83
	Consumer		8			9			—			17			1,329			1,346
	Other loans		—			—			—			—			2,754			2,754
	Total	$	4,332		$	1,886		$	4,244		$	10,462		$	164,760		$	175,222
Schedule of Impaired Loans	'
	The recorded investment and related information for impaired loans is summarized as follows for September 30, 2013, September 30, 2012 and December 31, 2012:
		30-Sep-13
		At end of period									For Nine Months Ended						For Three Months Ended
		Unpaid									Interest			Average			Interest			Average
		Principal			Recorded			ALLL			Income			Recorded			Income			Recorded
	(Dollars in thousands)	Balance			Investment			Allocated			Recognized			Investment			Recognized			Investment
	With no related allowance recorded:
	Commercial	$	—		$	—		$	—		$	—		$	98		$	—		$	—
	Commercial real estate:
	Construction		362			364			—			21			276			10			274
	Owner occupied		3,418			3,184			—			84			706			67			1,067
	Other		4,931			4,948			—			170			4,265			56			4,025
	Faith based non-profit:
	Construction		—			—			—			—			—			—			—
	Owner occupied		16,593			16,648			—			663			10,764			365			11,511
	Other		—			—			—			—			—			—			—
	Residential real estate:
	First mortgage		2,712			2,680			—			155			1,668			145			2,120
	Multifamily		—			—			—			—			—			—			—
	Home equity		8			8			—			—			50			—			30
	Construction		—			—			—			—			—			—			—
	Consumer		12			13			—			—			7			—			10
	Impaired loans with no allowance recorded	$	28,036		$	27,845		$	—		$	1,093		$	17,834		$	643		$	19,037
	With an allowance recorded:
	Commercial	$	—		$	—		$	—		$	—		$	—		$	—		$	—
	Commercial real estate:
	Construction		—			—			—			—			—			—			—
	Owner occupied		—			—			—			—			59			—			59
	Other		—			—			—			—			334			—			—
	Faith based non-profit:
	Construction		—			—			—			—			—			—			—
	Owner occupied		458			459			87			29			364			—			442
	Other		—			—			—			—			—			—			—
	Residential real estate:
	First mortgage		1,273			1,276			239			58			877			58			960
	Multifamily		—			—			—			—			—			—			—
	Home equity		91			91			26			4			23			4			46
	Construction		—			—			—			—			—			—			—
	Consumer		—			—			—			—			—			—			—
	Impaired loans with allowance recorded	$	1,822		$	1,826		$	352		$	91		$	1,657		$	62		$	1,507
	Impaired loans	$	29,858		$	29,671		$	352		$	1,184		$	19,491		$	705		$	20,544
		30-Sep-12
		At end of period									For Nine Months Ended						For Three Months Ended
		Unpaid									Interest			Average			Interest			Average
		Principal			Recorded			ALLL			Income			Recorded			Income			Recorded
	(Dollars in thousands)	Balance			Investment			Allocated			Recognized			Investment			Recognized			Investment
	With no related allowance recorded:
	Commercial	$	1,567		$	590		$	—		$	—		$	590		$	—		$	590
	Commercial real estate:
	Construction		374			374			—			24			499			7			374
	Owner occupied		551			551			—			28			805			6			638
	Other		4,962			5,964			—			143			5,162			58			5,832
	Faith based non-profit:
	Construction		—			—			—			—			—			—			—
	Owner occupied		13,133			13,126			—			331			12,384			69			13,171
	Other		—			—			—			—			—			—			—
	Residential real estate:
	First mortgage		889			889			—			18			797			4			834
	Multifamily		—			—			—			—			—			—			—
	Home equity		—			—			—			—			—			—			—
	Construction		—			—			—			—			—			—			—
	Consumer		—			—			—			—			—			—			—
	Impaired loans with no allowance recorded	$	21,476		$	21,494		$	—		$	544		$	20,237		$	144		$	21,439
With an allowance recorded:
Commercial	$	—		$	—		$	—		$	—		$	—		$	—		$	—
Commercial real estate:
Construction		—			—			—			—			283			—			189
Owner occupied		239			239			102			12			468			3			241
Other		2,005			2,005			211			91			625			6			1,211
Faith based non-profit:
Construction		—			—			—			—			—			—			—
Owner occupied		430			430			52			22			788			5			667
Other		—			—			—			—			—			—			—
Residential real estate:
First mortgage		1,298			1,298			342			44			731			12			666
Multifamily		—			—			—			—			—			—			—
Home equity		—			—			—			—			231			—			—
Construction		—			—			—			—			—			—			—
Consumer		—			—			—			—			1			—			—
Impaired loans with allowance recorded	$	3,972		$	3,972		$	707		$	169		$	3,127		$	26		$	2,974
Impaired loans	$	25,448		$	25,466		$	707		$	713		$	23,364		$	170		$	24,413
	31-Dec-12
	At end of period									For Period Ended
	Unpaid									Interest			Average
	Principal			Recorded			ALLL			Income			Recorded
(Dollars in thousands)	Balance			Investment			Allocated			Recognized			Investment
With no related allowance recorded:
Commercial	$	—		$	—		$	—		$	—		$	295
Commercial real estate:
Construction		371			371			—			31			300
Owner occupied		530			530			—			38			635
Other		4,312			3,698			—			129			4,473
Faith based non-profit:
Construction		—			—			—			—			—
Owner occupied		14,479			14,479			—			567			12,261
Other		—			—			—			—			1,611
Residential real estate:
First mortgage		814			814			—			19			2,671
Multifamily		—			—			—			—			—
Home equity		86			86			—			3			111
Construction		—			—			—			—			—
Consumer		16			16			—			—			4
Impaired loans with no allowance recorded	$	20,608		$	19,994		$	—		$	787		$	22,361
With an allowance recorded:
Commercial	$	—		$	—		$	—		$	—		$	—
Commercial real estate:
Construction		—			—			—			—			—
Owner occupied		238			238			87			15			60
Other		—			—			—			—			500
Faith based non-profit:
Construction		—			—			—			—			214
Owner occupied		428			428			44			30			—
Other		—			—			—			—			—
Residential real estate:
First mortgage		1,543			1,543			349			45			757
Multifamily		—			—			—			—			—
Home equity		—			—			—			—			—
Construction		—			—			—			—			—
Consumer		—			—			—			—			—
Impaired loans with allowance recorded	$	2,209		$	2,209		$	480		$	90		$	1,531
Impaired loans	$	22,817		$	22,203		$	480		$	877		$	23,892
Schedule of Past Due loans and non-accrual loans	'
	The following table presents the recorded investment in non-accrual loans and loans past due over 90 days still on accrual by class of loans as of September 30, 2013 and December 31, 2012, respectively:
								90 Days
								or More
								Past Due
	30-Sep-13							Still
	(Dollars in thousands)	Non-accrual			Number			Accruing			Number
	Commercial	$	2			1		$	—			—
	Commercial real estate:
	Construction		—			—			—			—
	Owner occupied		78			2			52			1
	Other		45			1			526			3
	Faith-based non-profit
	Construction		—			—			—			—
	Owner Occupied		1,285			2			—			—
	Other		—			—			—			—
	Residential real estate:
	First mortgage		3,092			39			814			16
	Multifamily		—			—			—			—
	Home equity		14			3			19			1
	Construction		—			—			—			—
	Consumer		12			2			—			—
	Other loans		—			—			—			—
	Total	$	4,528			50		$	1,411			21
								90 Days
								or More
								Past Due
	31-Dec-12							Still
	(Dollars in thousands)	Non-accrual			Number			Accruing			Number
	Commercial	$	—			—		$	—			—
	Commercial real estate:
	Construction		—			—			—			—
	Owner occupied		39			1			224			4
	Other		49			1			351			1
	Faith-based non-profit
	Construction		—			—			—			—
	Owner Occupied		5,241			4			661			3
	Other		—			—			—			—
	Residential real estate:
	First mortgage		3,384			44			357			6
	Multifamily		—			—			—			—
	Home equity		3			1			101			1
	Construction		—			—			—			—
	Consumer		16			2			—			—
	Other loans		—			—			—			—
	Total	$	8,732			53		$	1,694			15
Loans by risk category	'
	The following is a breakdown of loans by risk categories at September 30, 2013 and December 31, 2012:
	30-Sep-13
	(Dollars in thousands)	Pass			Special Mention			Substandard			Doubtful			Total
	Commercial	$	9,802		$	2,850		$	6		$	—		$	12,658
	Commercial real estate:
	Construction		3,812			—			547			—			4,359
	Owner occupied		17,023			608			4,018			—			21,649
	Other		24,326			961			3,562			—			28,849
	Faith-based non-profit
	Construction		—			—			—			—			—
	Owner Occupied		65,252			8,255			5,940			—			79,447
	Other		6,478			2			—			—			6,480
	Residential real estate:
	First mortgage		18,832			684			3,643			—			23,159
	Multifamily		3,675			39			62			—			3,776
	Home equity		2,820			—			320			—			3,140
	Construction		—			—			—			—			—
	Consumer		1,194			—			18			—			1,212
	Other loans		2,427			—			—			—			2,427
	Total	$	155,641		$	13,399		$	18,116		$	—		$	187,156
	31-Dec-12
	(Dollars in thousands)	Pass			Special Mention			Substandard			Doubtful			Total
	Commercial	$	3,274		$	—		$	8		$	—		$	3,282
	Commercial real estate:
	Construction		3,065			—			556			—			3,621
	Owner occupied		13,379			3,151			1,847			—			18,377
	Other		21,582			966			3,623			—			26,171
	Faith-based non-profit
	Construction		2,344			—			—			—			2,344
	Owner Occupied		58,732			5,313			12,373			—			76,418
	Other		7,059			76			—			—			7,135
	Residential real estate:
	First mortgage		19,465			1,731			3,506			—			24,702
	Multifamily		5,702			63			63			—			5,828
	Home equity		2,853			—			308			—			3,161
	Construction		83			—			—			—			83
	Consumer		1,323			2			21			—			1,346
	Other loans		2,754			—			—			—			2,754
	Total	$	141,615		$	11,302		$	22,305		$	—		$	175,222
Schedule of Troubled Debt Restructurings	'
	The following tables present TDRs as of September 30, 2013 and December 31, 2012.
		Troubled Debt Restructurings
		30-Sep-13
								Non-accrual						Total
		Accrual Status						Status						Modifications
	(Dollars in thousands)	Number			Amount			Number			Amount			Number			Amount
	Commercial real estate:
	Construction		2		$	362			—		$	—			2		$	362
	Owner occupied		5			3,105			—			—			5			3,105
	Other		5			4,886			—			—			5			4,886
	Faith-based non-profit:
	Owner occpied		20			15,767			1			30			21			15,797
	Residential real estate:
	First mortgage		1			31			3			251			4			282
			33		$	24,151			4		$	281			37		$	24,432
		Troubled Debt Restructurings
		31-Dec-12
								Non-accrual						Total
		Accrual Status						Status						Modifications
	(Dollars in thousands)	Number			Amount			Number			Amount			Number			Amount
	Commercial real estate:
	Construction		2		$	371			—		$	—			2		$	371
	Owner occupied		4			730			—			—			4			730
	Other		5			3,648			—			—			5			3,648
	Faith-based non-profit:
	Owner occpied		17			9,666			4			5,241			21			14,907
	Residential real estate:
	First mortgage		2			285			4			309			6			594
			30		$	14,700			8		$	5,550			38		$	20,250
	The following table shows loans restructured during the three and nine months ended September 30, 2013.
		30-Sep-13
					Pre-modification Outstanding			Post-Modification Outstanding
	(Dollars in thousands)	Number of loans			Recorded Investment			Recorded Investment
	Extended payment terms
	Commercial real estate:
	Owner occupied		1		$	40		$	21
	Faith-based non-profit:
	Owner Occupied		1			1,284			1,276
			2		$	1,324		$	1,297
		For the Nine Months Ended
		30-Sep-13
					Pre-modification Outstanding			Post-Modification Outstanding
	(Dollars in thousands)	Number of loans			Recorded Investment			Recorded Investment
	Extended payment terms
	Commercial real estate:
	Owner occupied		1		$	40		$	21
	Faith-based non-profit:
	Owner Occupied		1			1,284			1,276
			2		$	1,324		$	1,297
	The following table shows loans restructured during the three and nine months ended September 30, 2012.
		For the Three Months Ended
		30-Sep-12
					Pre-modification Outstanding			Post-Modification Outstanding
	(Dollars in thousands)	Number of loans			Recorded Investment			Recorded Investment
	Below market interest rate
	Owner Occupied		1		$	2,522		$	2,522
	Other loans		—			—			—
			1		$	2,522		$	2,522
		For the Nine Months Ended
		30-Sep-12
					Pre-modification Outstanding			Post-Modification Outstanding
	(Dollars in thousands)	Number of loans			Recorded Investment			Recorded Investment
	Below market interest rate
Owner Occupied		1			2,522			2,522
Extended payment terms
Owner occupied		1			80			80
Other loans		1			1,353			1,353
		3		$	3,955		$	3,955

COMMITMENTS_AND_CONTINGENCIES_

COMMITMENTS AND CONTINGENCIES (Tables)	9 Months Ended
	Sep. 30, 2013
Commitments And Contingencies Tables	'
Loan Commitments and Letters of Credit- Off Balance Sheet	'
	Commitments outstanding at September 30, 2013 are summarized in the following table:
	(Dollars in thousands)	Commercial		Other loan		Total
		letters of credit		commitments		commitments
	Less than one year	$	123	$	5,240	$	5,363
	One to three years		86		730		816
	Three to five years		321		1,775		2,096
	More than five years		—		20,411		20,411
	Total	$	530	$	28,156	$	28,686

FAIR_VALUE_MEASUREMENT_Tables

FAIR VALUE MEASUREMENT (Tables)	9 Months Ended
	Sep. 30, 2013
Fair Value Measurement Tables	'
Schedule of assets and liabilities measured at fair value on a recurring basis	'
	Assets measured at fair value on a recurring basis as of September 30, 2013 were:
	(Dollars in thousands)			Quoted Prices in		Significant Other		Significant
				Active Markets for		Observable		Unobservable
				Identical Assets		Inputs		Inputs
	Description	30-Sep-13		(Level 1)		(Level 2)		(Level 3)
	Recurring:
	US government agencies	$	4,882	$	—	$	4,882	$	—
	Government sponsored MBS
	Residential		51,579		—		51,579		—
	Municipal securities
	North Carolina		1,477		—		1,477		—
	Total	$	57,938	$	—	$	57,938	$	—
	Assets measured at fair value on a recurring basis as of December 31, 2012 were:
	(Dollars in thousands)			Quoted Prices in		Significant Other		Significant
				Active Markets for		Observable		Unobservable
				Identical Assets		Inputs		Inputs
	Description	31-Dec-12		(Level 1)		(Level 2)		(Level 3)
	Recurring:
	US government agencies	$	1,327	$	—	$	1,327	$	—
	Government sponsored MBS
	Residential		57,931		—		57,931		—
	Municipal securities
	North Carolina		1,553		—		1,553		—
	Total	$	60,811	$	—	$	60,811	$	—
Schedule of assets and liabilities measured at fair value on a non recurring basis	'
	Assets measured at fair value on a nonrecurring basis as of September 30, 2013 and December 31, 2012 were:
	(Dollars in thousands)			Quoted Prices in		Significant Other		Significant
				Active Markets for		Observable		Unobservable
				Identical Assets		Inputs		Inputs
	Description	30-Sep-13		(Level 1)		(Level 2)		(Level 3)
	Nonrecurring:
	OREO	$	2,942	$	—	$	—	$	2,942
	Repossessed collateral		590		—		—		590
	Impaired loans:
	Commercial real estate		8,496		—		—		8,496
	Faith-based non-profit		17,020		—		—		17,020
	Residential real estate		3,790		—		—		3,790
	Consumer		13		—		—		13
	Mortgage Servicing Rights		25		—		—		25
	Total	$	32,876	$	—	$	—	$	32,876
	(Dollars in thousands)			Quoted Prices in		Significant Other		Significant
				Active Markets for		Observable		Unobservable
				Identical Assets		Inputs		Inputs
	Description	31-Dec-12		(Level 1)		(Level 2)		(Level 3)
	Nonrecurring:
	OREO	$	3,055	$	—	$	—	$	3,055
	Repossessed collateral		590		—		—		590
	Impaired loans:
	Commercial real estate		4,749		—		—		4,749
	Faith-based non-profit		14,863		—		—		14,863
	Residential real estate		3,916		—		—		3,916
	Consumer		16		—		—		16
	Mortgage Servicing Rights		36		—		—		36
	Total	$	27,225	$	—	$	—	$	27,225
	Quantitative Information about Level 3 Fair Value Measurements
	(Dollars in thousands)					Significant		Significant
				Valuation		Unobservable		Unobservable
	Description	30-Sep-13		Technique		Inputs		Input Value
	Nonrecurring:
	OREO	$	2,942		discounted appraisals		collateral discounts		6-20	%
	Repossessed collateral		590		discounted appraisals		collateral discounts		20-50	%
	Impaired loans		29,319		discounted appraisals		collateral discounts		6-20	%
	Mortgage Servicing Rights		25		discounted cash flows		PSA speed		426	%
	Total	$	32,876				cost to service		6	%
							discount rate		10	%
	(Dollars in thousands)					Significant		Significant
				Valuation		Unobservable		Unobservable
	Description	31-Dec-12		Technique		Inputs		Input Value
	Nonrecurring:
	OREO	$	3,055		discounted appraisals		collateral discounts		6-20	%
	Repossessed collateral		590		discounted appraisals		collateral discounts		20-50	%
	Impaired loans		23,544		discounted appraisals		collateral discounts		6-20	%
	Mortgage Servicing Rights		36		discounted cash flows		PSA speed		426	%
	Total	$	27,225				cost to service		6	%
							discount rate		10	%
Schedule of carrying amount and fair value of financial instruments	'
	As of September 30, 2013 and December 31, 2012, the carrying amounts and associated estimated fair value of financial assets and liabilities of the Company are as follows:
		30-Sep-13
	(Dollars in thousands)	Carrying		Estimated
	(Unaudited)	Amount		Fair Value		Level 1		Level 2			Level 3
	Assets:
	Cash and cash equivalents	$	29,362	$	29,362	$	29,362	$	—		$	—
	Marketable securities		57,938		57,938		—		57,938			—
	Loans, net of allowances for loan losses		183,919		181,266							181,266
	Accrued interest receivable		862		862		862		—
	Liabilities:
	Non-maturity deposits	$	118,500	$	118,500		118,500		—			—
	Maturity deposits		131,375		130,992		—		130,992			—
	Other borrowings		867		805		—		—			805
	Accrued interest payable		90		90		90		—			—
		31-Dec-12
	(Dollars in thousands)	Carrying		Estimated
		Amount		Value		Level 1		Level 2			Level 3
	Assets:
	Cash and cash equivalents	$	42,586	$	42,586	$	42,586	$	—		$	—
	Marketable securities		60,811		60,811		—		60,811			—
	Loans, net of allowances for loan losses		171,723		175,041		—		—			175,041
	Accrued interest receivable		858		858		858		—			—
	Liabilities:
	Non-maturity deposits	$	116,276	$	116,276		116,276		—			—
	Maturity deposits		134,603		134,322		—		134,322	#		—
	Other borrowings		2,937		2,871		—		—			2,871
	Accrued interest payable		119		119		119		—			—

INVESTMENT_SECURITIES_Details_

INVESTMENT SECURITIES (Details Narrative) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
	N		N		N
Investment securities available for sale, at fair value	$57,938	'	$57,938	'	$60,811
Aggregate gross realized gains	75	'	264	'	'
Aggregate gross realized losses	'	8	'	8	'
Number of investment positions	53	'	53	'	11
Pledged to Federal Reserve Bank	'	'	'	'	'
Funds pledged for public deposits	1,000	'	1,000	'	1,100
Pledged to Public Housing	'	'	'	'	'
Funds pledged for public deposits	2,700	'	2,700	'	4,900
Pledged to NC State Treasurer	'	'	'	'	'
Funds pledged for public deposits	$16,300	'	$16,300	'	$2,600

INVESTMENT_SECURITIES_Details

INVESTMENT SECURITIES (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Available-for-sale Securities, Amortized Cost Basis	$58,221	$60,152
Available-for-sale Securities, Gross Unrealized Gains	226	688
Available-for-sale Securities, Gross Unrealized Losses	-509	-29
Available-for-sale Securities, Debt Securities	57,938	60,811
US government agencies	'	'
Available-for-sale Securities, Amortized Cost Basis	5,000	1,322
Available-for-sale Securities, Gross Unrealized Gains	7	5
Available-for-sale Securities, Gross Unrealized Losses	-125	'
Available-for-sale Securities, Debt Securities	4,882	1,327
Government sponsored MBS - Residential	'	'
Available-for-sale Securities, Amortized Cost Basis	51,733	57,333
Available-for-sale Securities, Gross Unrealized Gains	191	627
Available-for-sale Securities, Gross Unrealized Losses	-345	-29
Available-for-sale Securities, Debt Securities	51,579	57,931
Municipal securities - North Carolina	'	'
Available-for-sale Securities, Amortized Cost Basis	1,488	1,497
Available-for-sale Securities, Gross Unrealized Gains	28	56
Available-for-sale Securities, Gross Unrealized Losses	-39	'
Available-for-sale Securities, Debt Securities	$1,477	$1,553

INVESTMENT_SECURITIES_Details_1

INVESTMENT SECURITIES (Details 1) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Fair Value	'	'
Total debt securities	$57,938	$60,811
US government agencies	'	'
Fair Value	'	'
Due within one year	'	1,005
Due after one year through five years	3,004	322
Due after five years through ten years	1,878	'
Total debt securities	4,882	1,327
Amortized Cost	'	'
Due within one year	'	1,000
Due after one year through five years	3,000	322
Due after five years through ten years	2,000	'
Total debt securities	5,000	1,322
Government sponsored MBS - Residential	'	'
Fair Value	'	'
Due within one year	15,830	'
Due after one year through five years	24,695	135
Due after five years through ten years	7,484	171
Due after ten years	3,606	57,625
Total debt securities	51,579	57,931
Amortized Cost	'	'
Due within one year	15,882	'
Due after one year through five years	24,733	126
Due after five years through ten years	7,513	161
Due after ten years	3,605	57,046
Total debt securities	51,733	57,333
Municipal securities - North Carolina	'	'
Fair Value	'	'
Due within one year	476	488
Due after one year through five years	441	458
Due after five years through ten years	560	607
Total debt securities	1,477	1,553
Amortized Cost	'	'
Due within one year	466	466
Due after one year through five years	423	425
Due after five years through ten years	599	606
Total debt securities	$1,488	$1,497

INVESTMENT_SECURITIES_Details_2

INVESTMENT SECURITIES (Details 2) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Securities in an Unrealized Loss Position for Less than 12 Months	'	'
Fair Value	$37,789	$8,027
Unrealized Losses	-509	-29
Securities in an Unrealized Loss Position for More than 12 Months	'	'
Fair Value	21	21
Securities Total	'	'
Total Fair Value	37,810	8,048
Total Unrealized Losses	-509	-29
US government agencies	'	'
Securities in an Unrealized Loss Position for Less than 12 Months	'	'
Fair Value	2,875	'
Unrealized Losses	-125	'
Securities Total	'	'
Total Fair Value	2,875	'
Total Unrealized Losses	-125	'
Government sponsored MBS - Residential	'	'
Securities in an Unrealized Loss Position for Less than 12 Months	'	'
Fair Value	34,354	8,027
Unrealized Losses	-345	-29
Securities in an Unrealized Loss Position for More than 12 Months	'	'
Fair Value	21	21
Securities Total	'	'
Total Fair Value	34,375	8,048
Total Unrealized Losses	-345	-29
Municipal securities - North Carolina	'	'
Securities in an Unrealized Loss Position for Less than 12 Months	'	'
Fair Value	560	'
Unrealized Losses	-39	'
Securities Total	'	'
Total Fair Value	560	'
Total Unrealized Losses	($39)	'

FHLB_STOCK_Details_Narrative

FHLB STOCK (Details Narrative) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Fhlb Stock Details Narrative	'	'
Required investment in FHLB stock as a percent of total assets	0.15%	'
Base amount, as a component of the maximum amount of FHLB stock that may be purchased	$20,000	$26,000
Percent of outstanding FHLB advances, as a component of the maximum amount of FHLB stock that may be purchased	4.50%	'
Carrying value of FHLB stock	$389	$488

ACCUMULATED_OTHER_COMPREHENSIV2

ACCUMULATED OTHER COMPREHENSIVE INCOME (Details) (USD $)	3 Months Ended	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2013
Unrealized Gains and Losses on Available-for-Sale Securities	'	'
Balance, beginning	($8)	$426
Other comprehensive loss before reclassifications	-169	-603
Net current-period other comprehensive loss	-169	-603
Balance, ending	-177	-177
Defined Benefit Pension Items	'	'
Balance, beginning	-1,834	-1,834
Balance, ending	-1,834	-1,834
Total	'	'
Accumulated other comprehensive loss	-1,842	-1,408
Other comprehensive loss before reclassifications	-169	-603
Net current period other comprehensive loss	-169	-603
Accumulated other comprehensive loss	($2,011)	($2,011)

LOANS_AND_ALLOWANCE_FOR_LOAN_L2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details Narrative) (USD $)	3 Months Ended		9 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012	Jun. 30, 2012
	N		N		N
Loans And Allowance For Loan Losses Details Narrative	'	'	'	'	'	'
Annualized Net Charge-offs, percentage	0.02%	0.66%	0.20%	0.38%	0.27%	'
Net charge-offs	$7	$303	$272	$518	'	'
Concentration risk - percentage of financing receivables in faith-based non-profit organizations	'	'	45.91%	'	'	'
Concentration risk - percentage of reserve allocated to faith-based non-profit organizations	'	'	34.23%	'	'	'
Recorded investment, homogeneous first mortage residential real estate	'	'	'	'	1,900	'
Total Impaired loans	'	'	'	'	24,100	'
Recorded investment, TDR total impaired loans	24,500	'	24,500	'	20,200	25,500
Number of loans evaluated based on collateral dependency	87	'	87	'	55	'
Reserve for unfunded commitments	$39	'	$39	'	$54	'

LOANS_AND_ALLOWANCE_FOR_LOAN_L3

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Beginning balance	$3,234	$3,498	$3,499	$3,850
Charge-offs	-45	-311	-327	-622
Recoveries	38	8	55	104
Provision (decrease) increase	10	122	10	166
Ending balance	3,237	3,498	3,237	3,498
Commercial	'	'	'	'
Beginning balance	241	61	90	348
Provision (decrease) increase	203	-36	354	-323
Ending balance	444	25	444	25
Commercial Real Estate	'	'	'	'
Beginning balance	806	1,187	881	971
Charge-offs	'	'	-237	-56
Recoveries	25	'	27	1
Provision (decrease) increase	52	-18	212	253
Ending balance	883	1,169	883	1,169
Faith Based Non-Profit	'	'	'	'
Beginning balance	1,278	1,091	1,246	1,128
Provision (decrease) increase	-170	-60	-138	-97
Ending balance	1,108	1,031	1,108	1,031
Residential Real Estate	'	'	'	'
Beginning balance	831	1,243	937	1,299
Charge-offs	-40	-303	-73	-539
Recoveries	4	4	12	93
Provision (decrease) increase	-57	230	-138	321
Ending balance	738	1,174	738	1,174
Consumer	'	'	'	'
Beginning balance	22	46	30	62
Charge-offs	-1	'	-3	-1
Recoveries	6	4	7	1
Provision (decrease) increase	-8	2	-15	-10
Ending balance	19	52	19	52
Other	'	'	'	'
Beginning balance	43	51	54	42
Charge-offs	-4	-8	-14	-26
Recoveries	3	'	9	9
Provision (decrease) increase	3	4	-4	22
Ending balance	45	47	45	47
Unallocated	'	'	'	'
Beginning balance	13	'	261	'
Provision (decrease) increase	($13)	'	($261)	'

LOANS_AND_ALLOWANCE_FOR_LOAN_L4

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 1) (USD $)	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Ending balances: Allowance for loan losses	'	'	'	'	'	'
Individually evaluated for impairment	$352	'	$480	'	'	'
Collectively evaluated for impairment	2,885	'	3,019	'	'	'
Allowances for loan losses	3,237	3,234	3,499	3,498	3,498	3,850
Ending balances: Loans	'	'	'	'	'	'
Individually evaluated for impairment	29,591	'	22,203	'	'	'
Collectively evaluated for impairment	157,565	'	153,019	'	'	'
Loans, net of unearned income and deferred fees	187,156	'	175,222	'	'	'
Commercial	'	'	'	'	'	'
Ending balances: Allowance for loan losses	'	'	'	'	'	'
Collectively evaluated for impairment	444	'	90	'	'	'
Allowances for loan losses	444	241	90	25	61	348
Ending balances: Loans	'	'	'	'	'	'
Individually evaluated for impairment	'	'	'	'	'	'
Collectively evaluated for impairment	12,658	'	3,282	'	'	'
Loans, net of unearned income and deferred fees	12,658	'	3,282	'	'	'
Commercial Real Estate	'	'	'	'	'	'
Ending balances: Allowance for loan losses	'	'	'	'	'	'
Individually evaluated for impairment	'	'	87	'	'	'
Collectively evaluated for impairment	883	'	794	'	'	'
Allowances for loan losses	883	806	881	1,169	1,187	971
Ending balances: Loans	'	'	'	'	'	'
Individually evaluated for impairment	8,476	'	4,837	'	'	'
Collectively evaluated for impairment	46,381	'	43,332	'	'	'
Loans, net of unearned income and deferred fees	54,857	'	48,169	'	'	'
Faith Based Non-Profit	'	'	'	'	'	'
Ending balances: Allowance for loan losses	'	'	'	'	'	'
Individually evaluated for impairment	87	'	44	'	'	'
Collectively evaluated for impairment	1,021	'	1,202	'	'	'
Allowances for loan losses	1,108	1,278	1,246	1,031	1,091	1,128
Ending balances: Loans	'	'	'	'	'	'
Individually evaluated for impairment	17,052	'	14,907	'	'	'
Collectively evaluated for impairment	68,875	'	70,990	'	'	'
Loans, net of unearned income and deferred fees	85,927	'	85,897	'	'	'
Residential Real Estate	'	'	'	'	'	'
Ending balances: Allowance for loan losses	'	'	'	'	'	'
Individually evaluated for impairment	265	'	349	'	'	'
Collectively evaluated for impairment	473	'	588	'	'	'
Allowances for loan losses	738	831	937	1,174	1,243	1,299
Ending balances: Loans	'	'	'	'	'	'
Individually evaluated for impairment	4,051	'	2,443	'	'	'
Collectively evaluated for impairment	26,024	'	31,331	'	'	'
Loans, net of unearned income and deferred fees	30,075	'	33,774	'	'	'
Consumer	'	'	'	'	'	'
Ending balances: Allowance for loan losses	'	'	'	'	'	'
Collectively evaluated for impairment	19	'	30	'	'	'
Allowances for loan losses	19	22	30	52	46	62
Ending balances: Loans	'	'	'	'	'	'
Individually evaluated for impairment	12	'	16	'	'	'
Collectively evaluated for impairment	1,200	'	1,330	'	'	'
Loans, net of unearned income and deferred fees	1,212	'	1,346	'	'	'
Other	'	'	'	'	'	'
Ending balances: Allowance for loan losses	'	'	'	'	'	'
Collectively evaluated for impairment	45	'	54	'	'	'
Allowances for loan losses	45	43	54	47	51	42
Ending balances: Loans	'	'	'	'	'	'
Collectively evaluated for impairment	2,427	'	2,754	'	'	'
Loans, net of unearned income and deferred fees	2,427	'	2,754	'	'	'
Unallocated	'	'	'	'	'	'
Ending balances: Allowance for loan losses	'	'	'	'	'	'
Collectively evaluated for impairment	'	'	261	'	'	'
Allowances for loan losses	'	$13	$261	'	'	'

LOANS_AND_ALLOWANCE_FOR_LOAN_L5

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 2) (USD $)	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Loans, net of unearned income and deferred fees	$187,156	'	$175,222	'	'	'
Allowances for loan losses	-3,237	-3,234	-3,499	-3,498	-3,498	-3,850
Loans, net	183,919	'	171,723	'	'	'
Commercial	'	'	'	'	'	'
Loans, net of unearned income and deferred fees	12,658	'	3,282	'	'	'
Allowances for loan losses	-444	-241	-90	-25	-61	-348
Commercial Real Estate Construction	'	'	'	'	'	'
Loans, net of unearned income and deferred fees	4,359	'	3,621	'	'	'
Commercial Real Estate Owner Occupied	'	'	'	'	'	'
Loans, net of unearned income and deferred fees	21,649	'	18,377	'	'	'
Commercial Real Estate Other	'	'	'	'	'	'
Loans, net of unearned income and deferred fees	28,849	'	26,171	'	'	'
Faith Based Non-Profit Construction	'	'	'	'	'	'
Loans, net of unearned income and deferred fees	'	'	2,344	'	'	'
Faith Based Non-Profit Owner Occupied	'	'	'	'	'	'
Loans, net of unearned income and deferred fees	79,447	'	76,418	'	'	'
Faith Based Non-Profit Other	'	'	'	'	'	'
Loans, net of unearned income and deferred fees	6,480	'	7,135	'	'	'
Residential Real Estate First Mortgage	'	'	'	'	'	'
Loans, net of unearned income and deferred fees	23,159	'	24,702	'	'	'
Residential Real Estate Multifamily	'	'	'	'	'	'
Loans, net of unearned income and deferred fees	3,776	'	5,828	'	'	'
Residential Real Estate Home Equity	'	'	'	'	'	'
Loans, net of unearned income and deferred fees	3,140	'	3,161	'	'	'
Residential Real Estate Construction	'	'	'	'	'	'
Loans, net of unearned income and deferred fees	'	'	83	'	'	'
Consumer	'	'	'	'	'	'
Loans, net of unearned income and deferred fees	1,212	'	1,346	'	'	'
Allowances for loan losses	-19	-22	-30	-52	-46	-62
Other	'	'	'	'	'	'
Loans, net of unearned income and deferred fees	2,427	'	2,754	'	'	'
Allowances for loan losses	($45)	($43)	($54)	($47)	($51)	($42)

LOANS_AND_ALLOWANCE_FOR_LOAN_L6

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 3) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Aging Schedule of Loans Receivable	'	'
30-59 Days Past Due	$961	$4,332
60-89 Days Past Due	99	1,886
90 Days or More Past Due	1,870	4,244
Total past due	2,930	10,462
Current	184,226	164,760
Loans, net of unearned income and deferred fees	187,156	175,222
Commercial	'	'
Aging Schedule of Loans Receivable	'	'
30-59 Days Past Due	4	'
60-89 Days Past Due	5	353
90 Days or More Past Due	2	'
Total past due	11	353
Current	12,647	2,929
Loans, net of unearned income and deferred fees	12,658	3,282
Commercial Real Estate Construction	'	'
Aging Schedule of Loans Receivable	'	'
Current	4,359	3,621
Loans, net of unearned income and deferred fees	4,359	3,621
Commercial Real Estate Owner Occupied	'	'
Aging Schedule of Loans Receivable	'	'
90 Days or More Past Due	129	263
Total past due	129	263
Current	21,520	18,114
Loans, net of unearned income and deferred fees	21,649	18,377
Commercial Real Estate Other	'	'
Aging Schedule of Loans Receivable	'	'
30-59 Days Past Due	'	1,570
60-89 Days Past Due	'	856
90 Days or More Past Due	572	400
Total past due	572	2,826
Current	28,277	23,345
Loans, net of unearned income and deferred fees	28,849	26,171
Faith Based Non-Profit Construction	'	'
Aging Schedule of Loans Receivable	'	'
Current	'	2,344
Loans, net of unearned income and deferred fees	'	2,344
Faith Based Non-Profit Owner Occupied	'	'
Aging Schedule of Loans Receivable	'	'
30-59 Days Past Due	613	1,845
90 Days or More Past Due	'	661
Total past due	613	2,506
Current	78,834	73,912
Loans, net of unearned income and deferred fees	79,447	76,418
Faith Based Non-Profit Other	'	'
Aging Schedule of Loans Receivable	'	'
Current	6,480	7,135
Loans, net of unearned income and deferred fees	6,480	7,135
Residential Real Estate First Mortgage	'	'
Aging Schedule of Loans Receivable	'	'
30-59 Days Past Due	75	787
60-89 Days Past Due	'	548
90 Days or More Past Due	1,148	2,812
Total past due	1,223	4,147
Current	21,936	20,555
Loans, net of unearned income and deferred fees	23,159	24,702
Residential Real Estate Multifamily	'	'
Aging Schedule of Loans Receivable	'	'
Current	3,776	5,828
Loans, net of unearned income and deferred fees	3,776	5,828
Residential Real Estate Home Equity	'	'
Aging Schedule of Loans Receivable	'	'
30-59 Days Past Due	256	122
60-89 Days Past Due	94	120
90 Days or More Past Due	19	108
Total past due	369	350
Current	2,771	2,811
Loans, net of unearned income and deferred fees	3,140	3,161
Residential Real Estate Construction	'	'
Aging Schedule of Loans Receivable	'	'
Current	'	83
Loans, net of unearned income and deferred fees	'	83
Consumer	'	'
Aging Schedule of Loans Receivable	'	'
30-59 Days Past Due	13	8
60-89 Days Past Due	'	9
Total past due	13	17
Current	1,199	1,329
Loans, net of unearned income and deferred fees	1,212	1,346
Other	'	'
Aging Schedule of Loans Receivable	'	'
Current	2,427	2,754
Loans, net of unearned income and deferred fees	$2,427	$2,754

LOANS_AND_ALLOWANCE_FOR_LOAN_L7

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 4) (USD $)	3 Months Ended		9 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012	Jun. 30, 2012
Loans with no related allowance recorded:	'	'	'	'	'	'
Imapired loans with no related allowance - Unpaid Principal Balance	$28,036	'	$28,036	'	$20,608	$21,476
Impaired loans with no related allowance - Recorded Investment	27,845	'	27,845	'	19,994	21,494
Imapired loans with no related allowance - Interest earned	643	144	1,093	544	787	'
Impaired loans with related allowance - Average Recorded Investment	19,037	21,439	17,834	20,237	22,361	'
Loans with an allowance recorded:	'	'	'	'	'	'
Impaired loans with allowance - Unpaid Principal Balance	1,822	'	1,822	'	2,209	3,972
Impaired loans with allowance - Recorded Investment	1,826	'	1,826	'	2,209	3,972
Impaired loans with related allowance - Related Allowance	352	'	352	'	480	707
Impaired loans with related allowance - Interest earned	62	26	91	169	90	'
Impaired loans with related allowance - Average Recorded Investment	1,507	2,974	1,657	3,127	1,531	'
Total impaired loans	'	'	'	'	'	'
Impaired loans with allowance - Unpaid Principal Balance	29,858	25,448	29,858	25,448	22,817	'
Impaired loans with allowance - Recorded Investment	29,671	25,466	29,671	25,466	22,203	'
Impaired loans with related allowance - Interest earned	705	170	1,184	713	877	'
Impaired loans with related allowance - Average Recorded Investment	20,544	24,413	19,491	23,364	23,892	'
Commercial	'	'	'	'	'	'
Loans with no related allowance recorded:	'	'	'	'	'	'
Imapired loans with no related allowance - Unpaid Principal Balance	'	1,567	'	1,567	'	'
Impaired loans with no related allowance - Recorded Investment	'	590	'	590	'	'
Impaired loans with related allowance - Average Recorded Investment	'	590	98	590	295	'
Commercial Real Estate Construction	'	'	'	'	'	'
Loans with no related allowance recorded:	'	'	'	'	'	'
Imapired loans with no related allowance - Unpaid Principal Balance	362	374	362	374	371	'
Impaired loans with no related allowance - Recorded Investment	364	374	364	374	371	'
Imapired loans with no related allowance - Interest earned	10	7	21	24	31	'
Impaired loans with related allowance - Average Recorded Investment	274	374	276	499	300	'
Loans with an allowance recorded:	'	'	'	'	'	'
Impaired loans with related allowance - Average Recorded Investment	'	189	'	283	'	'
Commercial Real Estate Owner Occupied	'	'	'	'	'	'
Loans with no related allowance recorded:	'	'	'	'	'	'
Imapired loans with no related allowance - Unpaid Principal Balance	3,418	551	3,418	551	530	'
Impaired loans with no related allowance - Recorded Investment	3,184	551	3,184	551	530	'
Imapired loans with no related allowance - Interest earned	67	6	84	28	38	'
Impaired loans with related allowance - Average Recorded Investment	1,067	638	706	805	635	'
Loans with an allowance recorded:	'	'	'	'	'	'
Impaired loans with allowance - Unpaid Principal Balance	'	239	'	239	238	'
Impaired loans with allowance - Recorded Investment	'	239	'	239	238	'
Impaired loans with related allowance - Related Allowance	'	102	'	102	87	'
Impaired loans with related allowance - Interest earned	'	3	'	12	15	'
Impaired loans with related allowance - Average Recorded Investment	59	241	59	468	60	'
Commercial Real Estate Other	'	'	'	'	'	'
Loans with no related allowance recorded:	'	'	'	'	'	'
Imapired loans with no related allowance - Unpaid Principal Balance	4,931	4,962	4,931	4,962	4,312	'
Impaired loans with no related allowance - Recorded Investment	4,948	5,964	4,948	5,964	3,698	'
Imapired loans with no related allowance - Interest earned	56	58	170	143	129	'
Impaired loans with related allowance - Average Recorded Investment	4,025	5,832	4,265	5,162	4,473	'
Loans with an allowance recorded:	'	'	'	'	'	'
Impaired loans with allowance - Unpaid Principal Balance	'	2,005	'	2,005	'	'
Impaired loans with allowance - Recorded Investment	'	2,005	'	2,005	'	'
Impaired loans with related allowance - Related Allowance	'	211	'	211	'	'
Impaired loans with related allowance - Interest earned	'	6	'	91	'	'
Impaired loans with related allowance - Average Recorded Investment	'	1,211	334	625	500	'
Faith Based Non-Profit Construction	'	'	'	'	'	'
Loans with an allowance recorded:	'	'	'	'	'	'
Impaired loans with related allowance - Average Recorded Investment	'	'	'	'	214	'
Faith Based Non-Profit Owner Occupied	'	'	'	'	'	'
Loans with no related allowance recorded:	'	'	'	'	'	'
Imapired loans with no related allowance - Unpaid Principal Balance	16,593	13,133	16,593	13,133	14,479	'
Impaired loans with no related allowance - Recorded Investment	16,648	13,126	16,648	13,126	14,479	'
Imapired loans with no related allowance - Interest earned	365	69	663	331	567	'
Impaired loans with related allowance - Average Recorded Investment	11,511	13,171	10,764	12,384	12,261	'
Loans with an allowance recorded:	'	'	'	'	'	'
Impaired loans with allowance - Unpaid Principal Balance	458	430	458	430	428	'
Impaired loans with allowance - Recorded Investment	459	430	459	430	428	'
Impaired loans with related allowance - Related Allowance	87	52	87	52	44	'
Impaired loans with related allowance - Interest earned	'	5	29	22	30	'
Impaired loans with related allowance - Average Recorded Investment	442	667	364	788	'	'
Faith Based Non-Profit Other	'	'	'	'	'	'
Loans with no related allowance recorded:	'	'	'	'	'	'
Impaired loans with related allowance - Average Recorded Investment	'	'	'	'	1,611	'
Residential Real Estate First Mortgage	'	'	'	'	'	'
Loans with no related allowance recorded:	'	'	'	'	'	'
Imapired loans with no related allowance - Unpaid Principal Balance	2,712	889	2,712	889	814	'
Impaired loans with no related allowance - Recorded Investment	2,680	889	2,680	889	814	'
Imapired loans with no related allowance - Interest earned	145	4	155	18	19	'
Impaired loans with related allowance - Average Recorded Investment	2,120	834	1,668	797	2,671	'
Loans with an allowance recorded:	'	'	'	'	'	'
Impaired loans with allowance - Unpaid Principal Balance	1,273	1,298	1,273	1,298	1,543	'
Impaired loans with allowance - Recorded Investment	1,276	1,298	1,276	1,298	1,543	'
Impaired loans with related allowance - Related Allowance	239	342	239	342	349	'
Impaired loans with related allowance - Interest earned	58	12	58	44	45	'
Impaired loans with related allowance - Average Recorded Investment	960	666	877	731	757	'
Residential Real Estate Home Equity	'	'	'	'	'	'
Loans with no related allowance recorded:	'	'	'	'	'	'
Imapired loans with no related allowance - Unpaid Principal Balance	8	'	8	'	86	'
Impaired loans with no related allowance - Recorded Investment	8	'	8	'	86	'
Imapired loans with no related allowance - Interest earned	'	'	'	'	3	'
Impaired loans with related allowance - Average Recorded Investment	30	'	50	'	111	'
Loans with an allowance recorded:	'	'	'	'	'	'
Impaired loans with allowance - Unpaid Principal Balance	91	'	91	'	'	'
Impaired loans with allowance - Recorded Investment	91	'	91	'	'	'
Impaired loans with related allowance - Related Allowance	26	'	26	'	'	'
Impaired loans with related allowance - Interest earned	4	'	4	'	'	'
Impaired loans with related allowance - Average Recorded Investment	46	'	23	231	'	'
Consumer	'	'	'	'	'	'
Loans with no related allowance recorded:	'	'	'	'	'	'
Imapired loans with no related allowance - Unpaid Principal Balance	12	'	12	'	16	'
Impaired loans with no related allowance - Recorded Investment	13	'	13	'	16	'
Imapired loans with no related allowance - Interest earned	'	'	'	'	'	'
Impaired loans with related allowance - Average Recorded Investment	10	'	7	'	4	'
Loans with an allowance recorded:	'	'	'	'	'	'
Impaired loans with related allowance - Average Recorded Investment	'	'	'	$1	'	'

LOANS_AND_ALLOWANCE_FOR_LOAN_L8

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 5) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	N	N
Non-accrual Loans	$4,528	$8,732
Number of non-accrual loans	50	53
Loans past due over 90 days still accruing	1,411	1,694
Number of loans past due over 90 days still accruing	21	15
Commercial	'	'
Non-accrual Loans	2	'
Number of non-accrual loans	1	'
Commercial Real Estate Owner Occupied	'	'
Non-accrual Loans	78	39
Number of non-accrual loans	2	1
Loans past due over 90 days still accruing	52	224
Number of loans past due over 90 days still accruing	1	4
Commercial Real Estate Other	'	'
Non-accrual Loans	45	49
Number of non-accrual loans	1	1
Loans past due over 90 days still accruing	526	351
Number of loans past due over 90 days still accruing	3	1
Faith Based Non-Profit Owner Occupied	'	'
Non-accrual Loans	1,285	5,241
Number of non-accrual loans	2	4
Loans past due over 90 days still accruing	'	661
Number of loans past due over 90 days still accruing	'	3
Residential Real Estate First Mortgage	'	'
Non-accrual Loans	3,092	3,384
Number of non-accrual loans	39	44
Loans past due over 90 days still accruing	814	357
Number of loans past due over 90 days still accruing	16	6
Residential Real Estate Home Equity	'	'
Non-accrual Loans	14	3
Number of non-accrual loans	3	1
Loans past due over 90 days still accruing	19	101
Number of loans past due over 90 days still accruing	1	1
Consumer	'	'
Non-accrual Loans	$12	$16
Number of non-accrual loans	2	2

LOANS_AND_ALLOWANCE_FOR_LOAN_L9

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 6) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Loans, net of unearned income and deferred fees	$187,156	$175,222
Pass	'	'
Loans, net of unearned income and deferred fees	155,641	141,615
Special Mention	'	'
Loans, net of unearned income and deferred fees	13,399	11,302
Substandard	'	'
Loans, net of unearned income and deferred fees	18,116	22,305
Commercial	'	'
Loans, net of unearned income and deferred fees	12,658	3,282
Commercial | Pass	'	'
Loans, net of unearned income and deferred fees	9,802	3,274
Commercial | Special Mention	'	'
Loans, net of unearned income and deferred fees	2,850	'
Commercial | Substandard	'	'
Loans, net of unearned income and deferred fees	6	8
Commercial Real Estate Construction	'	'
Loans, net of unearned income and deferred fees	4,359	3,621
Commercial Real Estate Construction | Pass	'	'
Loans, net of unearned income and deferred fees	3,812	3,065
Commercial Real Estate Construction | Substandard	'	'
Loans, net of unearned income and deferred fees	547	556
Commercial Real Estate Owner Occupied	'	'
Loans, net of unearned income and deferred fees	21,649	18,377
Commercial Real Estate Owner Occupied | Pass	'	'
Loans, net of unearned income and deferred fees	17,023	13,379
Commercial Real Estate Owner Occupied | Special Mention	'	'
Loans, net of unearned income and deferred fees	608	3,151
Commercial Real Estate Owner Occupied | Substandard	'	'
Loans, net of unearned income and deferred fees	4,018	1,847
Commercial Real Estate Other	'	'
Loans, net of unearned income and deferred fees	28,849	26,171
Commercial Real Estate Other | Pass	'	'
Loans, net of unearned income and deferred fees	24,326	21,582
Commercial Real Estate Other | Special Mention	'	'
Loans, net of unearned income and deferred fees	961	966
Commercial Real Estate Other | Substandard	'	'
Loans, net of unearned income and deferred fees	3,562	3,623
Faith Based Non-Profit Construction	'	'
Loans, net of unearned income and deferred fees	'	2,344
Faith Based Non-Profit Construction | Pass	'	'
Loans, net of unearned income and deferred fees	'	2,344
Faith Based Non-Profit Owner Occupied	'	'
Loans, net of unearned income and deferred fees	79,447	76,418
Faith Based Non-Profit Owner Occupied | Pass	'	'
Loans, net of unearned income and deferred fees	65,252	58,732
Faith Based Non-Profit Owner Occupied | Special Mention	'	'
Loans, net of unearned income and deferred fees	8,255	5,313
Faith Based Non-Profit Owner Occupied | Substandard	'	'
Loans, net of unearned income and deferred fees	5,940	12,373
Faith Based Non-Profit Owner Occupied | Doubtful	'	'
Loans, net of unearned income and deferred fees	'	'
Faith Based Non-Profit Other	'	'
Loans, net of unearned income and deferred fees	6,480	7,135
Faith Based Non-Profit Other | Pass	'	'
Loans, net of unearned income and deferred fees	6,478	7,059
Faith Based Non-Profit Other | Special Mention	'	'
Loans, net of unearned income and deferred fees	2	76
Residential Real Estate First Mortgage	'	'
Loans, net of unearned income and deferred fees	23,159	24,702
Residential Real Estate First Mortgage | Pass	'	'
Loans, net of unearned income and deferred fees	18,832	19,465
Residential Real Estate First Mortgage | Special Mention	'	'
Loans, net of unearned income and deferred fees	684	1,731
Residential Real Estate First Mortgage | Substandard	'	'
Loans, net of unearned income and deferred fees	3,643	3,506
Residential Real Estate Multifamily	'	'
Loans, net of unearned income and deferred fees	3,776	5,828
Residential Real Estate Multifamily | Pass	'	'
Loans, net of unearned income and deferred fees	3,675	5,702
Residential Real Estate Multifamily | Special Mention	'	'
Loans, net of unearned income and deferred fees	39	63
Residential Real Estate Multifamily | Substandard	'	'
Loans, net of unearned income and deferred fees	62	63
Residential Real Estate Home Equity	'	'
Loans, net of unearned income and deferred fees	3,140	3,161
Residential Real Estate Home Equity | Pass	'	'
Loans, net of unearned income and deferred fees	2,820	2,853
Residential Real Estate Home Equity | Substandard	'	'
Loans, net of unearned income and deferred fees	320	308
Residential Real Estate Construction	'	'
Loans, net of unearned income and deferred fees	'	83
Residential Real Estate Construction | Pass	'	'
Loans, net of unearned income and deferred fees	'	83
Consumer	'	'
Loans, net of unearned income and deferred fees	1,212	1,346
Consumer | Pass	'	'
Loans, net of unearned income and deferred fees	1,194	1,323
Consumer | Special Mention	'	'
Loans, net of unearned income and deferred fees	'	2
Consumer | Substandard	'	'
Loans, net of unearned income and deferred fees	18	21
Other	'	'
Loans, net of unearned income and deferred fees	2,427	2,754
Other | Pass	'	'
Loans, net of unearned income and deferred fees	$2,427	$2,754

Recovered_Sheet1

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 7) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
	N	N	N	N	N
Accrual status	'	'	'	'	'
Number of loans, TDRs	33	'	33	'	30
TDRs arising during period Recorded Investment	$24,151	'	$24,151	'	$14,700
Non-accrual Status	'	'	'	'	'
Number of loans, TDRs	4	'	4	'	8
TDRs arising during period Recorded Investment	281	'	281	'	5,550
Total	'	'	'	'	'
Number of loans, TDRs	37	'	37	'	38
TDRs arising during period Post-Modification Recorded Investment	24,432	'	24,432	'	20,250
Number of loans, TDRs	2	1	2	3	'
TDRs arising during period Pre-Modification Recorded Investment	1,324	2,522	1,324	3,955	'
TDRs arising during period Post-Modification Recorded Investment	1,297	2,522	1,297	3,955	'
Commercial Real Estate Construction	'	'	'	'	'
Accrual status	'	'	'	'	'
Number of loans, TDRs	2	'	2	'	2
TDRs arising during period Recorded Investment	362	'	362	'	371
Total	'	'	'	'	'
Number of loans, TDRs	2	'	2	'	2
TDRs arising during period Post-Modification Recorded Investment	362	'	362	'	371
Commercial Real Estate Owner Occupied	'	'	'	'	'
Accrual status	'	'	'	'	'
Number of loans, TDRs	5	'	5	'	4
TDRs arising during period Recorded Investment	3,105	'	3,105	'	730
Total	'	'	'	'	'
Number of loans, TDRs	5	'	5	'	4
TDRs arising during period Post-Modification Recorded Investment	3,105	'	3,105	'	730
Number of loans, TDRs	'	'	1	'	'
TDRs arising during period Pre-Modification Recorded Investment	'	'	40	'	'
TDRs arising during period Post-Modification Recorded Investment	'	'	21	'	'
Commercial Real Estate Other	'	'	'	'	'
Accrual status	'	'	'	'	'
Number of loans, TDRs	5	'	5	'	5
TDRs arising during period Recorded Investment	4,886	'	4,886	'	3,648
Total	'	'	'	'	'
Number of loans, TDRs	5	'	5	'	5
TDRs arising during period Post-Modification Recorded Investment	4,886	'	4,886	'	3,648
Faith Based Non-Profit Owner Occupied	'	'	'	'	'
Accrual status	'	'	'	'	'
Number of loans, TDRs	20	'	20	'	17
TDRs arising during period Recorded Investment	15,767	'	15,767	'	9,666
Non-accrual Status	'	'	'	'	'
Number of loans, TDRs	1	'	1	'	4
TDRs arising during period Recorded Investment	30	'	30	'	5,241
Total	'	'	'	'	'
Number of loans, TDRs	21	'	21	'	21
TDRs arising during period Post-Modification Recorded Investment	15,797	'	15,797	'	14,907
Number of loans, TDRs	1	'	1	1	'
TDRs arising during period Pre-Modification Recorded Investment	1,284	'	1,284	80	'
TDRs arising during period Post-Modification Recorded Investment	1,276	'	1,276	80	'
Residential Real Estate First Mortgage	'	'	'	'	'
Accrual status	'	'	'	'	'
Number of loans, TDRs	1	'	1	'	2
TDRs arising during period Recorded Investment	31	'	31	'	285
Non-accrual Status	'	'	'	'	'
Number of loans, TDRs	3	'	3	'	4
TDRs arising during period Recorded Investment	251	'	251	'	309
Total	'	'	'	'	'
Number of loans, TDRs	4	'	4	'	6
TDRs arising during period Post-Modification Recorded Investment	282	'	282	'	594
Commercial Real Estate	'	'	'	'	'
Total	'	'	'	'	'
Number of loans, TDRs	'	1	1	1	'
TDRs arising during period Pre-Modification Recorded Investment	'	2,522	40	2,522	'
TDRs arising during period Post-Modification Recorded Investment	'	2,522	21	2,522	'
Other	'	'	'	'	'
Total	'	'	'	'	'
Number of loans, TDRs	'	'	'	1	'
TDRs arising during period Pre-Modification Recorded Investment	'	'	'	1,353	'
TDRs arising during period Post-Modification Recorded Investment	'	'	'	$1,353	'

OTHER_REAL_ESTATE_OWNED_Detail

OTHER REAL ESTATE OWNED (Details Narrative) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Real Estate [Abstract]	'	'
OREO	$2,942	$3,055

BORROWINGS_Details_Narrative

BORROWINGS (Details Narrative) (USD $)	9 Months Ended	12 Months Ended
	Sep. 30, 2013	Dec. 31, 2012
Borrowings Details Narrative	'	'
FHLB advances, maturing fully in 2020	$70,000	$70,000
Federal Home Loan Bank interest rate	0.50%	0.50%
Capital lease	20,000	20,000
Capital lease, interest rate	1.60%	1.60%
Loan participations sold	'	200,000
Effective interest rate of loan participations sold	'	4.45%
Federal funds lines of credit	1,000,000	1,000,000
Federal funds unused lines of credit	$630,000	$750,000

COMMITMENTS_AND_CONTINGENCIES_1

COMMITMENTS AND CONTINGENCIES (Details) (USD $)	Sep. 30, 2013
In Thousands, unless otherwise specified
Commerical Letters of Credit	'
Guarantee Obligations Less than 1 year	$123
Guarantee Obligations 1 to 3 years	86
Guarantee Obligations 3 to 5 years	321
Obligations to extend credit	530
Other Commercial Loan Commitments	'
Guarantee Obligations Less than 1 year	5,240
Guarantee Obligations 1 to 3 years	730
Guarantee Obligations 3 to 5 years	1,775
Guarantee Obligations greater than 5 years	20,411
Obligations to extend credit	28,156
Total Commitments	'
Guarantee Obligations Less than 1 year	5,363
Guarantee Obligations 1 to 3 years	816
Guarantee Obligations 3 to 5 years	2,096
Guarantee Obligations greater than 5 years	20,411
Obligations to extend credit	$28,686

FAIR_VALUE_MEASUREMENT_Details

FAIR VALUE MEASUREMENT (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Recurring Fair Value Measurements	'	'
Investment securities available for sale, at fair value	$57,938	$60,811
Fair Value Measured on a Recurring Basis	'	'
Recurring Fair Value Measurements	'	'
Investment securities available for sale, at fair value	57,938	60,811
Fair Value Measured on a Recurring Basis | Significant Other Observable Inputs (Level 2)	'	'
Recurring Fair Value Measurements	'	'
Investment securities available for sale, at fair value	57,938	60,811
US Government Agencies | Fair Value Measured on a Recurring Basis	'	'
Recurring Fair Value Measurements	'	'
Investment securities available for sale, at fair value	4,882	1,327
US Government Agencies | Fair Value Measured on a Recurring Basis | Significant Other Observable Inputs (Level 2)	'	'
Recurring Fair Value Measurements	'	'
Investment securities available for sale, at fair value	4,882	1,327
Government Mortgage-backed Securities | Fair Value Measured on a Recurring Basis	'	'
Recurring Fair Value Measurements	'	'
Investment securities available for sale, at fair value	51,579	57,931
Government Mortgage-backed Securities | Fair Value Measured on a Recurring Basis | Significant Other Observable Inputs (Level 2)	'	'
Recurring Fair Value Measurements	'	'
Investment securities available for sale, at fair value	51,579	57,931
Non-Government Mortgage-backed Securities	'	'
Recurring Fair Value Measurements	'	'
Investment securities available for sale, at fair value	1,477	'
Non-Government Mortgage-backed Securities | Fair Value Measured on a Recurring Basis	'	'
Recurring Fair Value Measurements	'	'
Investment securities available for sale, at fair value	'	1,553
Non-Government Mortgage-backed Securities | Fair Value Measured on a Recurring Basis | Significant Other Observable Inputs (Level 2)	'	'
Recurring Fair Value Measurements	'	'
Investment securities available for sale, at fair value	$1,477	$1,553

FAIR_VALUE_MEASUREMENT_Details1

FAIR VALUE MEASUREMENT (Details 1) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Non-Recurring Fair Value Measurements	'	'
OREO	2,942	3,055
Other Real Estate Owned- Fair Value	'	'
Non-Recurring Fair Value Measurements	'	'
Valuation technique	'discounted appraisals	'discounted appraisals
Significant Unobservable Inputs	'collateral discounts	'collateral discounts
General range of significant input values, minimum	6.00%	6.00%
General range of significant input values, maximum	20.00%	20.00%
Repossessed Collateral	'	'
Non-Recurring Fair Value Measurements	'	'
Valuation technique	'discounted appraisals	'discounted appraisals
Significant Unobservable Inputs	'collateral discounts	'collateral discounts
General range of significant input values, minimum	20.00%	20.00%
General range of significant input values, maximum	50.00%	50.00%
Impaired Loans	'	'
Non-Recurring Fair Value Measurements	'	'
Valuation technique	'discounted appraisals	'discounted appraisals
Significant Unobservable Inputs	'collateral discounts	'collateral discounts
General range of significant input values, minimum	6.00%	6.00%
General range of significant input values, maximum	20.00%	20.00%
Mortgage Servicing Rights	'	'
Non-Recurring Fair Value Measurements	'	'
Valuation technique	'discounted cash flows	'discounted cash flows
Significant Unobservable Inputs	'PSA speed: 426%; cost to service: 6.00%; discount rate: 10.00%	'PSA speed: 426%; cost to service: 6.00%; discount rate: 10.00%
Fair Value Measured on a Non-Recurring Basis	'	'
Non-Recurring Fair Value Measurements	'	'
OREO	2,942	3,055
Repossessed Collateral	590	590
Impaired Loans - Commercial Real Estate	8,496	4,749
Impaired Loans - Faith-based non-profit	17,020	14,863
Impaired Loans - Residential real estate	3,790	3,916
Impaired Loans - Consumer	13	16
Mortgage Servicing Rights	25	36
Total Fair Value, non-recurring	32,876	27,225
Fair Value Measured on a Non-Recurring Basis | Significant Unobservable Inputs (Level 3)	'	'
Non-Recurring Fair Value Measurements	'	'
OREO	2,942	3,055
Repossessed Collateral	590	590
Impaired Loans - Commercial Real Estate	8,496	4,749
Impaired Loans - Faith-based non-profit	17,020	14,863
Impaired Loans - Residential real estate	3,790	3,916
Impaired Loans - Consumer	13	16
Mortgage Servicing Rights	25	36
Total Fair Value, non-recurring	32,876	27,225

FAIR_VALUE_MEASUREMENT_Details2

FAIR VALUE MEASUREMENT (Details 2) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Assets:	'	'	'	'
Cash and cash equivalents	$29,362	$42,586	$51,516	$61,296
Investment securities available for sale, at fair value	57,938	60,811	'	'
Loans, net	183,919	171,723	'	'
Interest receivable	862	858	'	'
Liabilities:	'	'	'	'
Other borrowings	867	2,937	'	'
Carrying Amount	'	'	'	'
Assets:	'	'	'	'
Cash and cash equivalents	29,362	42,586	'	'
Investment securities available for sale, at fair value	57,938	60,811	'	'
Loans, net	183,919	171,723	'	'
Interest receivable	862	858	'	'
Liabilities:	'	'	'	'
Non-maturity deposits	118,500	116,276	'	'
Maturity deposits	131,375	134,603	'	'
Other borrowings	867	2,937	'	'
Accrued interest payable	90	119	'	'
Fair Value	'	'	'	'
Assets:	'	'	'	'
Cash and cash equivalents	29,362	42,586	'	'
Investment securities available for sale, at fair value	57,938	60,811	'	'
Loans, net	181,266	175,041	'	'
Interest receivable	862	858	'	'
Liabilities:	'	'	'	'
Non-maturity deposits	118,500	116,276	'	'
Maturity deposits	130,992	134,322	'	'
Other borrowings	805	2,871	'	'
Accrued interest payable	90	119	'	'
Quoted Prices in Active Markets for Identical Assets (Level 1)	'	'	'	'
Assets:	'	'	'	'
Cash and cash equivalents	29,362	42,586	'	'
Interest receivable	862	858	'	'
Liabilities:	'	'	'	'
Non-maturity deposits	118,500	116,276	'	'
Accrued interest payable	90	119	'	'
Significant Other Observable Inputs (Level 2)	'	'	'	'
Assets:	'	'	'	'
Investment securities available for sale, at fair value	57,938	60,811	'	'
Liabilities:	'	'	'	'
Maturity deposits	130,992	134,322	'	'
Significant Unobservable Inputs (Level 3)	'	'	'	'
Assets:	'	'	'	'
Loans, net	181,266	175,041	'	'
Liabilities:	'	'	'	'
Other borrowings	$805	$2,871	'	'