M&F Bancorp (MFBP) 10-Q 13 May 15 2015 Q1 Quarterly report Financial data

Document_And_Entity_Informatio

Document And Entity Information	3 Months Ended
	Mar. 31, 2015	13-May-15
Document And Entity Information
Entity Registrant Name	M&F BANCORP INC /NC/
Entity Central Index Key	1094738
Document Period End Date	31-Mar-15
Document Type	10-Q
Current Fiscal Year End Date	-19
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Amendment Flag	FALSE
Entity Filer Category	Smaller Reporting Company
Entity Common Stock, Shares Outstanding		2,031,337
Document Fiscal Year Focus	2015
Document Fiscal Period Focus	Q1

CONSOLIDATED_BALANCE_SHEETS

CONSOLIDATED BALANCE SHEETS (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Cash and cash equivalents
Cash and due from banks	$2,896	$2,871
Interest-bearing deposits	29,914	32,703
Total cash and cash equivalents	32,810	35,574
Investment securities available-for-sale, at fair value	74,660	69,703
Other invested assets	298	301
Loans, net of unearned income and deferred fees	172,697	175,088
Allowance for loan losses	-3,446	-3,440
Loans, net	169,251	171,648
Interest receivable	726	816
Bank premises and equipment, net	4,330	4,293
Cash surrender value of bank-owned life insurance	7,745	7,695
OREO	2,772	3,069
Deferred tax assets and taxes receivable, net	4,075	4,114
Other assets	1,117	1,172
TOTAL ASSETS	297,784	298,385
Deposits
Interest-bearing deposits	211,005	214,055
Noninterest-bearing deposits	44,706	41,805
Total deposits	255,711	255,860
Other borrowings	894	784
Other liabilities	4,723	5,163
Total liabilities	261,328	261,807
COMMITMENTS AND CONTINGENCIES
Stockholders' equity:
Common stock, no par value, 10,000,000 shares authorized; 2,031,337 shares issued and outstanding	8,732	8,732
Retained earnings	17,557	17,785
Accumulated other comprehensive loss	-1,562	-1,668
Total stockholders' equity	36,456	36,578
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	297,784	298,385
Series B Preferred Stock [Member]
Stockholders' equity:
Preferred Stock	11,729	11,729
Series C Junior Participating Preferred Stock [Member]
Stockholders' equity:
Preferred Stock

CONSOLIDATED_BALANCE_SHEETS_Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)	Mar. 31, 2015	Dec. 31, 2014
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
Series B Preferred Stock [Member]
Preferred stock, authorized (in shares)	11,735	11,735
Preferred stock, liquidation value (in dollars per share)	$1,000	$1,000
Preferred stock, issued (in shares)	11,735	11,735
Preferred stock, outstanding (in shares)	11,735	11,735
Series C Junior Participating Preferred Stock [Member]
Preferred stock, par value (in dollars per share)	$0.01	$0.01
Preferred stock, authorized (in shares)	21,000	21,000
Preferred stock, issued (in shares)	0	0
Preferred stock, outstanding (in shares)	0	0

CONSOLIDATED_STATEMENTS_OF_INC

CONSOLIDATED STATEMENTS OF INCOME (LOSS) (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Interest income:
Loans, including fees	$2,205	$2,493
Investment securities available-for-sale, including dividends
Taxable	330	319
Tax-exempt	4	8
Other	36	17
Total interest income	2,575	2,837
Interest expense:
Deposits	172	173
Borrowings	1	1
Total interest expense	173	174
Net interest income	2,402	2,663
Less provision for loan losses
Net interest income after provision for loan losses	2,402	2,663
Noninterest income:
Service charges	265	298
Rental income	43	48
Cash surrender value of life insurance	50	51
Net realized gains on sales of investment securities available-for-sale	29
Other income	4	56
Total noninterest income	391	453
Noninterest expense:
Salaries and employee benefits	1,344	1,303
Occupancy and equipment	353	365
Directors' fees	57	55
Marketing	38	36
Professional fees	165	203
Information technology	222	205
FDIC deposit insurance	143	149
OREO expenses, net	317	44
Delivery expenses	31	46
Other	315	296
Total noninterest expense	2,985	2,702
Income (loss) before income taxes	-192	414
Income tax expense (benefit)	-23	137
Net income (loss)	-169	277
Less preferred stock dividends and accretion	-59	-59
Net income (loss) available to common stockholders	($228)	$218
Basic and diluted earnings (loss) per share of common stock:	($0.11)	$0.11
Weighted average shares of common stock outstanding:
Basic and diluted	2,031,337	2,031,337

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) [Abstract]
Net income (loss)	($169)	$277
Investment securities:
Unrealized holding gains on investment securities available-for-sale	141	310
Tax Effect	-53	-117
Reclassification adjustments for net realized gains	29
Tax Effect	-11
Net of tax amount	106	193
Defined benefit pension plans:
Net actuarial losses	-62	-54
Tax effect
Prior service cost	62	54
Tax effect
Net of tax amount
Other comprehensive income, net of tax	106	193
Comprehensive income (loss)	($63)	$470

CONSOLIDATED_STATEMENTS_OF_CHA

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (USD $)	Total	Common Stock [Member]	Preferred Stock [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Loss [Member]
In Thousands, except Share data
Balance, Beginning at Dec. 31, 2013	$36,137	$8,732	$11,727	$17,103	($1,425)
Balance, Beginning, shares at Dec. 31, 2013		2,031,337
Net income (loss)	277			277
Other comprehensive income, net of tax	193				193
Dividends declared on preferred stock	-59			-59
Balance, Ending at Mar. 31, 2014	36,548	8,732	11,727	17,321	-1,232
Balance, Ending, shares at Mar. 31, 2014		2,031,337
Balance, Beginning at Dec. 31, 2014	36,578	8,732	11,729	17,785	-1,668
Balance, Beginning, shares at Dec. 31, 2014	2,031,337	2,031,337
Net income (loss)	-169			-169
Other comprehensive income, net of tax	106				106
Dividends declared on preferred stock	-59			-59
Balance, Ending at Mar. 31, 2015	$36,456	$8,732	$11,729	$17,557	($1,562)
Balance, Ending, shares at Mar. 31, 2015	2,031,337	2,031,337

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Cash flows from operating activities:
Net income (loss)	($169)	$277
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Depreciation and amortization	100	85
Amortization of discounts/premiums on investment securities available-for-sale, net	121	165
Deferred income tax provision		56
Net gains on sales of investment securities available-for-sale	-29
Increase in cash surrender value of bank-owned life insurance	-50	-51
Gain at foreclosure	-13	-13
Net losses on sales of OREO	4
Writedown of OREO	215	21
Net changes in:
Accrued interest receivable and other assets	120	470
Other liabilities	-440	-99
Net cash provided by (used in) operating activities	-141	911
Activity in available for sale securities:
Sales	9,580
Maturities and calls	4,500	1,192
Principal collections	2,537	3,073
Purchases	-21,496	-4,957
FHLB stock redemptions	3	81
Net (increase) decrease in loans	2,275	-610
Purchases of bank premises and equipment	-137	-26
Proceeds from sales of OREO	213
Net cash used in investing activities	-2,525	-1,247
Cash flows from financing activities:
Net decrease in deposits	-149	-1,850
Proceeds from other borrowings	158	31
Repayments of other borrowings	-48	-52
Cash dividends	-59	-59
Net cash used in financing activities	-98	-1,930
Net decrease in cash and cash equivalents	-2,764	-2,266
Cash and cash equivalents as of the beginning of the period	35,574	28,583
Cash and cash equivalents as of the end of the period	32,810	26,317
Cash paid during period for:
Interest	168	171
Income Taxes		12
Noncash Transactions:
Loans transferred to OREO	122	181
Net unrealized gain on investment securities available-for-sale, net of deferred income tax	88	193
Loans transferred to foreclosed assets		3
Loans transferred to other assets		($2,862)

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2015
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
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, 2014, which were derived from the Company's audited consolidated Annual Report on Form 10-K as of and for the year ended December 31, 2014.
	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, 2014.
	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
	In May 2014, the Financial Accounting Standards Board (“FASB”) issued guidance to change the recognition of revenue from contracts with customers. The core principle of the new guidance is that an entity should recognize revenue to reflect the transfer of goods and services to customers in an amount equal to the consideration the entity receives or expects to receive. The guidance will be effective for the Company for reporting periods beginning after December 15, 2016. The Company will apply the guidance using a modified retrospective approach.  The Company does not expect this guidance to have a material effect on its financial statements.
	In August 2014, the FASB issued guidance that is intended to define management's responsibility to evaluate whether there is substantial doubt about an organization's ability to continue as a going concern and to provide related footnote disclosures. In connection with preparing financial statements, management will need to evaluate whether there are conditions or events, considered in the aggregate, that raise substantial doubt about the organization's ability to continue as a going concern within one year after the date that the financial statements are issued. The amendments will be effective for the Company for annual period ending after December 15, 2016, and for annual periods and interim periods thereafter. The Company does not expect these amendments to have a material effect on its financial statements.
	In January 2015, the FASB issued guidance that eliminated the concept of extraordinary items from U.S. GAAP.  Existing U.S. GAAP required that an entity separately classify, present, and disclose extraordinary events and transactions. The amendments will eliminate the requirements for reporting entities to consider whether an underlying event or transaction is extraordinary, however, the presentation and disclosure guidance for items that are unusual in nature or occur infrequently will be retained and will be expanded to include items that are both unusual in nature and infrequently occurring.  The amendments are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. The amendments may be applied either prospectively or retrospectively to all prior periods presented in the financial statements. Early adoption is permitted provided that the guidance is applied from the beginning of the fiscal year of adoption. The Company does not expect these amendments to have a material effect on its financial statements.
	In February 2015, the FASB issued guidance, which amends the consolidation requirements and significantly changes the consolidation analysis required under GAAP. Although the amendments are expected to result in the deconsolidation of many entities, the Company will need to reevaluate all its previous consolidation conclusions. The amendments will be effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015, with early adoption permitted (including during an interim period), provided that the guidance is applied as of the beginning of the annual period containing the adoption date. The Company does not expect these amendments to have a material effect on its financial statements.
	In April 2015, the FASB issued guidance that will require debt issuance costs related to a recognized debt liability to be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability. This update affects disclosures related to debt issuance costs but does not affect existing recognition and measurement guidance for these items.  The amendments will be effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015, with early adoption permitted. The Company does not expect these amendments to have a material 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	3 Months Ended
	Mar. 31, 2015
INVESTMENT SECURITIES [Abstract]
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 March 31, 2015 and December 31, 2014, all investment securities were classified as available-for-sale.
	Our available-for-sale securities totaled $74.7 million and $69.7 million as of March 31, 2015 and December 31, 2014, respectively. Securities with a fair value of $1.0 million were pledged to the Federal Reserve Bank of Richmond (“FRB”) and an additional $3.9 million and $17.4 million in investments were pledged to public housing authorities in North Carolina and the North Carolina Department of State Treasurer as collateral for public deposits at March 31, 2015. Securities with a fair value of $1.0 million were pledged to the FRB and an additional $3.8 million and $18.1 million in investments were pledged to public housing authorities in North Carolina and the North Carolina Department of State Treasurer as collateral for public deposits at December 31, 2014. Our investment portfolio consists of the following securities:
		•	U.S. government agency securities (“U.S. Agencies”) ,
		•	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 March 31, 2015 and December 31, 2014 were:
	(Dollars in thousands)		Amortized		Gross			Gross			Fair Value
			Cost		Unrealized			Unrealized
					Gains			Losses
	(Unaudited)
	31-Mar-15
	U.S. Agencies		$	29,374	$	70		$	(29	)	$	29,415
	MBS
	Residential			44,139		331			(240	)		44,230
	Municipals
	North Carolina			1,006		9			—			1,015
	Total		$	74,519	$	410		$	(269	)	$	74,660
	31-Dec-14
	U.S. Agencies		$	12,373	$	26		$	(60	)	$	12,339
	MBS
	Residential			56,350		281			(276	)		56,355
	Municipals
	North Carolina			1,009		9			(9	)		1,009
	Total		$	69,732	$	316		$	(345	)	$	69,703
	During the three months ended March 31, 2015, there were $112 thousand gross realized gains and $83 thousand gross realized losses on sales or calls of securities compared to none during the comparable period of 2014.
	The amortized cost and estimated market values of securities as of March 31, 2015 and December 31, 2014 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 prior to the applicable final payment date because of principal prepayments.
	(Dollars in thousands)		As of March 31, 2015
	(Unaudited)		Fair Value		Amortized Cost
	U.S. Agencies
	Due within one year		$	1,507	$	1,497
	Due after one year through five years			21,658		21,627
	Due after five years through ten years			6,250		6,250
	Total U.S. Agencies		$	29,415	$	29,374
	MBS
	Residential
	Due within one year		$	8,238	$	8,239
	Due after one year through five years			19,777		19,746
	Due after five years through ten years			10,974		10,926
	Due after ten years			5,241		5,228
	Total MBS		$	44,230	$	44,139
	Municipals
	North Carolina
	Due within one year		$	160	$	160
	Due after one year through five years			266		260
	Due after five years through ten years			589		586
	Total Municipals		$	1,015	$	1,006
	(Dollars in thousands)		As of December 31, 2014
			Fair Value		Amortized Cost
	U.S. Agencies
	Due within one year		$	2,498	$	2,499
	Due after one year through five years			7,887		7,874
	Due after five years through ten years			1,954		2,000
	Total U.S. Agencies		$	12,339	$	12,373
	MBS
	Residential
	Due within one year		$	10,114	$	10,139
	Due after one year through five years			24,003		24,018
	Due after five years through ten years			13,803		13,771
	Due after ten years			8,435		8,422
	Total MBS		$	56,355	$	56,350
	Municipals
	North Carolina
	Due within one year		$	162	$	161
Due after one year through five years			268		260
Due after five years through ten years			579		588
Total Municipals		$	1,009	$	1,009
All securities owned as of March 31, 2015 and December 31, 2014 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 2014 or the first three months of 2015.
As of March 31, 2015 and December 31, 2014, the Company held 54 and 59 investment positions, respectively, with unrealized losses of $269 thousand and $345 thousand, respectively. These investments were in U.S. Agencies, MBS and Municipals. 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 the Company will not likely be required to sell these securities.
As of March 31, 2015 and December 31, 2014, the fair value of securities with gross unrealized losses by length of time that the individual securities have been in an unrealized loss position was 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
31-Mar-15
U.S. Agencies		$	8,982	$	(18	)	$	989		$	(11	)	$	9,971	$	(29	)
MBS
Residential			9,234		(74	)		10,929			(166	)		20,163		(240	)
Total		$	18,216	$	(92	)	$	11,918		$	(177	)	$	30,134	$	(269	)
(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-14
U.S. Agencies		$	5,982	$	(14	)	$	1,954		$	(46	)	$	7,936	$	(60	)
MBS
Residential			12,594		(73	)		13,476			(203	)		26,070		(276	)
Municipals
North Carolina			—		—			579			(9	)		579		(9	)
Total		$	18,576	$	(87	)	$	16,009		$	(258	)	$	34,585	$	(345	)

FEDERAL_HOME_LOAN_BANK_OF_ATLA

FEDERAL HOME LOAN BANK OF ATLANTA (bFHLBb)	3 Months Ended
	Mar. 31, 2015
FEDERAL HOME LOAN BANK OF ATLANTA ("FHLB") [Abstract]
FEDERAL HOME LOAN BANK OF ATLANTA ("FHLB")		3	FEDERAL HOME LOAN BANK OF ATLANTA (“FHLB”)
	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 0.09% of its total assets as of December 31 of the prior year (up to a maximum of $15.0 million), plus 4.5% of its outstanding FHLB advances. The carrying value of FHLB stock, which is included in Other Invested Assets on the Consolidated Balance Sheets, as of March 31, 2015 and December 31, 2014 was $0.3 million. 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 March 31, 2015 and December 31, 2014. Management has reviewed its investment in FHLB stock for impairment and does not believe it is impaired as of March 31, 2015 or December 31, 2014.

RECONCILIATIONS_OF_BASIC_AND_D

RECONCILIATIONS OF BASIC AND DILUTED EARNINGS PER SHARE ("EPS")	3 Months Ended
	Mar. 31, 2015
RECONCILIATIONS OF BASIC AND DILUTED EARNINGS (LOSS) PER COMMON SHARE ("EPS") [Abstract]
RECONCILIATIONS OF BASIC AND DILUTED EARNINGS (LOSS) PER COMMON SHARE ("EPS")		4	RECONCILIATIONS OF BASIC AND DILUTED EARNINGS (LOSS) PER COMMON 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	3 Months Ended
	Mar. 31, 2015
ACCUMULATED OTHER COMPREHENSIVE INCOME [Abstract]
ACCUMULATED OTHER COMPREHENSIVE INCOME		5	ACCUMULATED OTHER COMPREHENSIVE INCOME
	Comprehensive income includes net income and all other changes to the Company's Stockholders' 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 LOSS BY COMPONENT
	For the Three Months Ended March 31, 2015 and 2014
	(Dollars in thousands)
	(Unaudited)
			Unrealized			Defined			Total
			Gains and			Benefit
			Losses on			Pension Items
			Available-for-
			Sale Securities
	Balance as of December 31, 2013		$	(405	)	$	(1,020	)	$	(1,425	)
	Other comprehensive income before reclassifications			193			—			193
	Amounts reclassified from accumulated other comprehensive loss			—			—			—
	Net current-period other comprehensive income			193			—			193
	Balance as of March 31, 2014		$	(212	)	$	(1,020	)	$	(1,232	)
	Balance as of December 31, 2014		$	(17	)	$	(1,651	)	$	(1,668	)
	Other comprehensive income before reclassifications			88			—			88
	Amounts reclassified from accumulated other comprehensive loss			18			—			18
	Net current-period other comprehensive income			106			—			106
	Balance as of March 31, 2015		$	89		$	(1,651	)	$	(1,562	)
	All amounts are net of tax.
	RECLASSIFICATION ADJUSTMENTS FROM ACCUMULATED OTHER COMPREHENSIVE LOSS
			For the Three Months Ended March 31,
	(Dollars in thousands)		2015			2014
	(Unaudited)
	Detail about Acumulated Other Comprehensive Income Components		Amount Reclassified			Amount Reclassified
			from Accumulated			from Accumulated
			Other Comprehensive			Other Comprehensive
			Loss			Loss
	Net unrealized holding gain - investment securities available-for-sale		$	29		$	—
	Income tax expense			(11	)		—
	Total, net of tax			18			—
	Total reclassifications for the period		$	18		$	—

LOANS_AND_ALLOWANCE_FOR_LOAN_L

LOANS AND ALLOWANCE FOR LOAN LOSSES	3 Months Ended
	Mar. 31, 2015
LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]
LOANS AND ALLOWANCE FOR LOAN LOSSES	6	LOANS AND ALLOWANCE FOR LOAN LOSSES
	The activity in the Company's allowance for loan losses (“ALLL”) for the three month periods ended March 31, 2015 and 2014 and related asset balances at March 31, 2015 and December 31, 2014 is summarized as follows:
			For the Three Months Ended March 31, 2015
									Faith-
									Based			Residential
						Commercial			Non-			Real						Other
	(Dollars in thousands)		Commercial			Real Estate			Profit			Estate			Consumer			Loans			Unallocated		Total
	ALLL:
	Total ending ALLL balances as of December 31, 2014		$	353		$	579		$	1,234		$	685		$	28		$	265		$	296	$	3,440
	For the three months ended March 31, 2015
	Charge-offs			—			—			—			—			—			(4	)		—		(4	)
	Recoveries			—			—			—			10			—			—			—		10
	Provision for loan losses			(82	)		23			206			(106	)		1			(51	)		9		—
	Total ending ALLL balances as of March 31, 2015		$	271		$	602		$	1,440		$	589		$	29		$	210		$	305	$	3,446
			For the Three Months Ended March 31, 2014
									Faith-
									Based			Residential
						Commercial			Non-			Real						Other
	(Dollars in thousands)		Commercial			Real Estate			Profit			Estate			Consumer			Loans			Unallocated		Total
	ALLL:
	Total ending ALLL balances as of December 31, 2013		$	184		$	808		$	1,883		$	493		$	19		$	106		$	—	$	3,493
	For the three months ended March 31, 2014
	Charge-offs			—			—			—			(7	)		(1	)		(6	)		—		(14	)
	Recoveries			—			—			—			4			—			3			—		7
	Provision for loan losses			(6	)		(109	)		(87	)		122			1			(66	)		145		—
	Total ending ALLL balances as of March 31, 2014		$	178		$	699		$	1,796		$	612		$	19		$	37		$	145	$	3,486
			31-Mar-15
									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		$	3		$	28		$	227		$	184		$	—		$	—		$	—	$	442
	Collectively evaluated for impairment			268			574			1,213			405			29			210			305		3,004
	Total ending ALLL balance		$	271		$	602		$	1,440		$	589		$	29		$	210		$	305	$	3,446
	Loans:
	Loans individually evaluated for impairment		$	3		$	8,993		$	16,454		$	4,024		$	2		$	—		$	—	$	29,476
	Loans collectively evaluated for impairment			6,699			31,552			77,736			21,423			1,257			4,554			—		143,221
	Total ending loans balance		$	6,702		$	40,545		$	94,190		$	25,447		$	1,259		$	4,554		$	—	$	172,697
			31-Dec-14
									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		$	—		$	11		$	6		$	259		$	—		$	—		$	—	$	276
	Collectively evaluated for impairment			353			568			1,228			426			28			265			296		3,164
	Total ending ALLL balance		$	353		$	579		$	1,234		$	685		$	28		$	265		$	296	$	3,440
	Loans:
	Loans individually evaluated for impairment		$	—		$	9,012		$	16,807		$	4,450		$	—		$	—		$	—	$	30,269
	Loans collectively evaluated for impairment			7,253			31,051			78,555			22,176			1,232			4,552			—		144,819
	Total ending loans balance		$	7,253		$	40,063		$	95,362		$	26,626		$	1,232		$	4,552		$	—	$	175,088
	The Bank experienced $(6) thousand and $7 thousand in net loan charge-offs/(recoveries) for the three months ended March 31, 2015 and 2014, respectively. Annualized net charge-offs/(recoveries) as a percent of average loan balances outstanding totaled (0.01)% and 0.02% during the three month periods ended March 31, 2015 and 2014, respectively, and 0.06% for the year ended December 31, 2014.
	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 March 31, 2015 and December 31, 2014 was as follows:
	(Dollars in thousands)		March 31, 2015			December 31, 2014
	Commercial		$	6,702		$	7,253
	Commercial real estate:
	Construction			7,487			2,557
	Owner occupied			17,633			18,013
	Other			15,425			19,493
	Faith-based non-profit:
Construction			1,932			6,156
Owner Occupied			88,998			84,499
Other			3,260			4,707
Residential real estate:
First mortgage			18,359			18,995
Multifamily			2,955			3,001
Home equity			4,011			4,124
Construction			122			506
Consumer			1,259			1,232
Other loans			4,554			4,552
Loans, net of deferred fees			172,697			175,088
ALLL			(3,446	)		(3,440	)
Loans, net of ALLL		$	169,251		$	171,648
The Bank has a concentration of loans to faith-based non-profit organizations, in which the Bank has specialized lending experience. As of March 31, 2015, the percentage of loans in this segment, which included construction, real estate secured, and lines of credit, comprised approximately 54.54% of the total loan portfolio and the reserve for these loans was 41.79% 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, some of which have been adversely affected by the economic downturn.
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 present loans not past due and the aging of past due loans as of March 31, 2015 and December 31, 2014:
								90 Days
31-Mar-15		30-59 Days			60-89 Days			Or More			Total Past
(Dollars in thousands)		Past Due			Past Due			Past Due			Due			Current			Total
Commercial		$	150		$	—		$	—		$	150		$	6,552		$	6,702
Commercial real estate:
Construction			—			—			—			—			7,487			7,487
Owner occupied			87			69			360			516			17,117			17,633
Other			—			—			3,602			3,602			11,823			15,425
Faith-based non-profit:																		—
Construction			—			—			—			—			1,932			1,932
Owner occupied			694			464			1,329			2,487			86,511			88,998
Other			—			—			15			15			3,245			3,260
Residential real estate:																		—
First mortgage			740			115			2,456			3,311			15,048			18,359
Multifamily			84			—			—			84			2,871			2,955
Home equity			—			135			25			160			3,851			4,011
Construction			—			—			—			—			122			122
Consumer			40			—			2			42			1,217			1,259
Other loans			—			—			8			8			4,546			4,554
Total		$	1,795		$	783		$	7,797		$	10,375		$	162,322		$	172,697
								90 Days
31-Dec-14		30-59 Days			60-89 Days			Or More			Total Past
(Dollars in thousands)		Past Due			Past Due			Past Due			Due			Current			Total
Commercial		$	3		$	—		$	—		$	3		$	7,250		$	7,253
Commercial real estate:
Construction			—			—			—			—			2,557			2,557
Owner occupied			69			321			42			432			17,581			18,013
Other			25			1,188			3,602			4,815			14,678			19,493
Faith-based non-profit:
Construction			—			—			—			—			6,156			6,156
Owner occupied			1,923			435			674			3,032			81,467			84,499
Other			—			—			15			15			4,692			4,707
Residential real estate:
First mortgage			745			103			3,322			4,170			14,825			18,995
Multifamily			—			—			—			—			3,001			3,001
Home equity			47			—			23			70			4,054			4,124
Construction			—			—			—			—			506			506
Consumer			11			—			—			11			1,221			1,232
Other loans			—			8			—			8			4,544			4,552
Total		$	2,823		$	2,055		$	7,678		$	12,556		$	162,532		$	175,088
At March 31, 2015 and December 31, 2014, the total recorded investment in impaired loans amounted to $29.5 million and $30.7 million, respectively.
The recorded investment and related information for impaired loans is summarized as follows for March 31, 2015, December 31, 2014 and March 31, 2014:
		31-Mar-15
											For the Three Months Ended
		Unpaid												Average
		Principal			Recorded			ALLL			Interest			Recorded
(Dollars in thousands)		Balance			Investment			Allocated			Earned			Investment
With no related allowance recorded:
Commercial		$	—		$	—		$	—		$	—		$	—
Commercial real estate:
Construction			77			78			—			1			78
Owner occupied			42			42			—			—			42
Other			4,087			3,852			—			4			3,862
Faith based non-profit:
Construction			—			—			—			—			—
Owner occupied			5,717			5,730			—			59			7,747
Other			—			—			—			—			—
Residential real estate:
First mortgage			2,488			2,354			—			59			2,618
Multifamily			—			—			—			—			—
Home equity			125			115			—			1			67
Construction			—			—			—			—			—
Consumer			11			2			—			—			1
Impaired loans with no allowance recorded		$	12,547		$	12,173		$	—		$	124		$	14,415
With an allowance recorded:
Commercial		$	3		$	3		$	3		$	—		$	1
Commercial real estate:
Construction			274			275			1			5			277
Owner occupied			4,748			4,759			27			57			4,779
Other			—			—			—			—			—
Faith based non-profit:
Construction			—			—			—			—			—
Owner occupied			10,737			10,761			227			150			9,061
Other			—			—			—			—			—
Residential real estate:
First mortgage			1,515			1,515			171			—			1,471
Multifamily			—			—			—			—			—
Home equity			43			43			13			—			94
Construction			—			—			—			—			—
Consumer			—			—			—			—			—
Impaired loans with allowance recorded		$	17,320		$	17,356		$	442		$	212		$	15,683
Impaired loans		$	29,867		$	29,529		$	442		$	336		$	30,098
		31-Dec-14
		Unpaid												Average
		Principal			Recorded			ALLL			Interest			Recorded
(Dollars in thousands)		Balance			Investment			Allocated			Earned			Investment
With no related allowance recorded:
Commercial		$	—		$	—		$	—		$	—		$	—
Commercial real estate:
Construction			77			78			—			6			186
Owner occupied			42			42			—			16			2,818
Other			3,855			3,872			—			100			3,017
Faith based non-profit:
Construction			—			—			—			—			—
Owner occupied			9,744			9,764			—			558			9,937
Other			—			—			—			—			40
Residential real estate:
First mortgage			2,894			2,881			—			172			2,717
Multifamily			—			—			—			—			—
Home equity			20			20			—			2			70
Construction			—			—			—			—			—
Consumer			—			—			—			—			8
Impaired loans with no allowance recorded		$	16,632		$	16,657		$	—		$	854		$	18,793
With an allowance recorded:
Commercial		$	—		$	—		$	—		$	—		$	—
Commercial real estate:
Construction			278			279			1			23			176
Owner occupied			4,760			4,800			10			200			1,164
Other			—			—			—			—			1,714
Faith based non-profit:
Construction			—			—			—			—			—
Owner occupied			7,063			7,361			6			327			6,801
Other			—			—			—			—			—
Residential real estate:
First mortgage			1,426			1,427			242			76			644
Multifamily			—			—			—			—			—
Home equity			145			145			17			6			112
Construction			—			—			—			—			—
Consumer			—			—			—			—			—
Impaired loans with allowance recorded		$	13,672		$	14,012		$	276		$	632		$	10,611
Impaired loans		$	30,304		$	30,669		$	276		$	1,486		$	29,404
		31-Mar-14
											For the Three Months Ended
		Unpaid												Average
		Principal			Recorded			ALLL			Interest			Recorded
(Dollars in thousands)		Balance			Investment			Allocated			Earned			Investment
With no related allowance recorded:
Commercial		$	—		$	—		$	—		$	—		$	—
Commercial real estate:
Construction			359			361			—			7			362
Owner occupied			3,159			3,159			—			32			3,171
Other			867			869			—			6			3,186
Faith based non-profit:
Construction			—			—			—			—			—
Owner occupied			8,502			8,518			—			128			11,361
Other			—			—			—			—			—
Residential real estate:
First mortgage			2,750			2,744			—			19			2,931
Multifamily			—			—			—			—			—
Home equity			82			83			—			1			80
Construction			—			—			—			—			—
Consumer			8			8			—			—			10
Impaired loans with no allowance recorded		$	15,727		$	15,742		$	—		$	193		$	21,101
With an allowance recorded:
Commercial		$	—		$	—		$	—		$	—		$	—
Commercial real estate:
Construction			—			—			—			—			—
Owner occupied			—			—			—			—			—
Other			4,660			4,676			5			49			2,338
Faith based non-profit:
Construction			—			—			—			—			—
Owner occupied			8,075			8,089			746			102			5,794
Other			—			—			—			—			—
Residential real estate:
First mortgage			545			523			196			3			573
Multifamily			—			—			—			—			—
Home equity			78			78			19			1			105
Construction			—			—			—			—			—
Consumer			—			—			—			—			—
Impaired loans with allowance recorded		$	13,358		$	13,366		$	966		$	155		$	8,810
Impaired loans		$	29,085		$	29,108		$	966		$	348		$	29,911
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”).
Allowance for Loan Losses (“ALLL”) - 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 Accounting Standards Codification 450 reserve ("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 an updated 4-year rolling data for periods beginning December 31, 2014 and previously an eight-quarter rolling data. The quantitative loss history is based on a 4-year rolling history of losses incurred by different loan types within the loan portfolio for periods beginning December 31, 2014 and previously an eight-quarter rolling history of losses. The change in methodology resulted in a $375 thousand increase in the ALLL at December 31, 2014.
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.
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 $38 thousand and $34 thousand for March 31, 2015 and December 31, 2014, 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 March 31, 2015 and December 31, 2014, respectively:
								90 Days
								or More
								Past Due
March 31, 2015								Still
(Dollars in thousands)		Non-accrual			Number			Accruing			Number
Commercial		$	3			1		$	—			—
Commercial real estate:
Construction			—			—			—			—
Owner occupied			42			1			318			1
Other			3,628			4			—			—
Faith-based non-profit:
Construction			—			—			—			—
Owner occupied			22			—			1,307			1
Other			—			1			15			7
Residential real estate:
First mortgage			3,405			35			81			4
Multifamily			—			—			—			—
Home equity			158			5			7			1
Construction			—			—			—			—
Consumer			2			1			—			—
Other loans			—			—			8			1
Total		$	7,260			48		$	1,736			15
								90 Days
								or More
								Past Due
31-Dec-14								Still
(Dollars in thousands)		Non-accrual			Number			Accruing			Number
Commercial		$	—			—		$	—			—
Commercial real estate:
Construction			—			—			—			—
Owner occupied			42			1			—			—
Other			2,860			3			771			1
Faith-based non-profit:
Construction			—			—			—			—
Owner occupied			133			2			541			2
Other			—			—			15			1
Residential real estate:
First mortgage			2,720			33			1,696			8
Multifamily			—			—			—			—
Home equity			165			7			—			—
Construction			—			—			—			—
Consumer			—			—			—			1
Other loans			—			—			—			—
Total		$	5,920			46		$	3,023			13
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 our 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 March 31, 2015 and December 31, 2014:
31-Mar-15
(Dollars in thousands)		Pass			Special Mention			Substandard				Doubtful		Total
Commercial		$	763		$	3,144		$	2,795		$	—		$	6,702
Commercial real estate:
Construction			7,136			—			351			—			7,487
Owner occupied			17,226			296			111			—			17,633
Other			10,245			444			4,736			—			15,425
Faith-based non-profit:
Construction			1,932			—			—			—			1,932
Owner occupied			73,808			8,027			7,163			—			88,998
Other			3,260			—			—			—			3,260
Residential real estate:
First mortgage			14,247			81			4,031			—			18,359
Multifamily			2,864			31			60			—			2,955
Home equity			3,800			—			211			—			4,011
Construction			122			—			—			—			122
Consumer			1,240			13			6			—			1,259
Other loans			4,554			—			—			—			4,554
Total		$	141,197		$	12,036		$	19,464		$	—		$	172,697
31-Dec-14
(Dollars in thousands)		Pass			Special Mention			Substandard				Doubtful		Total
Commercial		$	1,279		$	3,159		$	2,815		$	—		$	7,253
Commercial real estate:
Construction			2,202			—			355			—			2,557
Owner occupied			17,596			306			111			—			18,013
Other			14,263			457			4,773			—			19,493
Faith-based non-profit:
Construction			6,156			—			—			—			6,156
Owner occupied			68,963			6,160			9,376			—			84,499
Other			4,707			—			—			—			4,707
Residential real estate:
First mortgage			14,328			88			4,579			—			18,995
Multifamily			2,910			31			60			—			3,001
Home equity			3,910			—			214			—			4,124
Construction			506			—			—			—			506
Consumer			1,213			14			5			—			1,232
Other loans			4,552			—			—			—			4,552
Total		$	142,585		$	10,215		$	22,288		$	—		$	175,088
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. In response to the extended economic downtown, 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 to satisfy their loan repayment obligations to the Company.
The following tables present TDRs as of March 31, 2015 and December 31, 2014.
		Troubled Debt Restructurings
		31-Mar-15
								Non-accrual						Total
		Accrual Status						Status						Modifications
(Dollars in thousands)		Number			Amount			Number			Amount			Number			Amount
Commercial real estate:
Construction			2		$	351			—		$	—			2		$	351
Owner occupied			4			4,748			—			—			4			4,748
Other			2			223			2			2,830			4			3,053
Faith-based non-profit:
Owner occupied			20			16,432			1			22			21			16,454
Other			—			—			—			—			—			—
Residential real estate:
First mortgage			3			147			2			155			5			302
Total			31		$	21,901			5		$	3,007			36		$	24,908
		Troubled Debt Restructurings
		31-Dec-14
								Non-accrual						Total
		Accrual Status						Status						Modifications
(Dollars in thousands)		Number			Amount			Number			Amount			Number			Amount
Commercial real estate:
Construction			2		$	355			—		$	—			2		$	355
Owner occupied			4			4,760			—			—			4			4,760
Other			2			224			2			2,830			4			3,054
Faith-based non-profit:
Owner occupied			20			16,391			1			22			21			16,413
Other			—			—			—			—			—			—
Residential real estate:
First mortgage			1			23			2			164			3			187
Total			29		$	21,753			5		$	3,016			34		$	24,769
Two loans totaling $129 thousand were restructured during the three and 12 months ended March 31, 2015. All loans restructured during that period were paying as restructured as of March 31, 2015. No loans were restructured during the three months ended March 31, 2014. Loans totaling $3.1 million were restructured during the 12 months ended March 31, 2014. One loan totaling $2.6 million was placed on non-accrual during the 12 months ended March 31, 2014 due to delinquency. All loans restructured during that period were paying as restructured as of March 31, 2014.
The following table shows loans newly restructured during the three months ended March 31, 2015. There were no restructures during the three months ended March 31, 2014.
31-Mar-15					Pre-modification Outstanding			Post-Modification Outstanding
(Dollars in thousands)		Number of loans			Recorded Investment			Recorded Investment
Below market interest rates
Residential real estate:
First mortgage			2		$	129		$	125
Total			2		$	129		$	125
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 months ended March 31, 2015 and 2014. The Company defines default as the loan becoming 90 days or more past due, foreclosed upon or charged-off.
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 are 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 are affecting the sale of collateral.

OTHER_REAL_ESTATE_OWNED_OREO

OTHER REAL ESTATE OWNED (bOREOb)	3 Months Ended
	Mar. 31, 2015
OTHER REAL ESTATE OWNED ("OREO") [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 March 31, 2015 and December 31, 2014, OREO totaled $2.8 million and $3.1 million, respectively.  At March 31, 2015, the Company $855 thousand of OREO was comprised of residential real estate foreclosed properties.  Also as of March 31, 2015 $2.0 million of consumer mortgage loans collateralized by residential real estate property were in the process of foreclosure according to local requirements of the applicable jurisdictions.

BORROWINGS

BORROWINGS	3 Months Ended
	Mar. 31, 2015
BORROWINGS [Abstract]
BORROWINGS	8.       BORROWINGS
	Borrowings as of March 31, 2015 consisted of an FHLB borrowing of $0.7 million with an interest rate of 0.50% that matures in 2020, and capital leases of $0.2 million with a blended interest rate of 1.76%. Borrowings as of December 31, 2014 consisted of an FHLB borrowing of $0.7 million with an interest rate of 0.50% that matures in 2020 and capital leases of $0.1 million with a blended rate of 1.60%.
	The Company has federal funds lines of credit with three correspondent banks totaling $10.0 million at March 31, 2015 and December 31, 2014. The Company periodically tests its federal funds lines of credit with its correspondent banks. These lines were tested during the three months ended March 31, 2015. The Company had unused borrowing capacity with the FHLB of $6.1 million as of March 31, 2015 and $6.6 million as of December 31, 2014, respectively. In addition, the Company has the ability to borrow from the FRB to the extent of investment securities pledged to the FRB.

COMMITMENTS_AND_CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	3 Months Ended
	Mar. 31, 2015
COMMITMENTS AND CONTINGENCIES [Abstract]
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 March 31, 2015 and December 31, 2014, respectively, are commitments to extend credit (including availability of lines of credit), and standby letters of credit. 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 March 31, 2015 are summarized in the following table:
	(Dollars in thousands)	Commercial		Other loan		Total
		letters of credit		commitments		commitments
	Less than one year	$	177		12,842	$	13,019
	One to three years		250		5,294		5,544
	Three to five years		—		2,508		2,508
	More than five years		93		1,353		1,446
	Total	$	520		21,997	$	22,517

FAIR_VALUE_MEASUREMENT

FAIR VALUE MEASUREMENT	3 Months Ended
	Mar. 31, 2015
FAIR VALUE MEASUREMENT [Abstract]
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. Agencies, MBS, Municipals 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 March 31, 2015 were:
	(Dollars in thousands)				Quoted Prices in			Significant Other		Significant
					Active Markets for			Observable		Unobservable
					Identical Assets			Inputs		Inputs
	Description		31-Mar-15		(Level 1)			(Level 2)		(Level 3)
	Recurring:
	U.S. Agencies		$	29,415	$	—		$	29,415	$	—
	MBS
	Residential			44,230		—			44,230		—
	Municipals
	North Carolina			1,015		—			1,015		—
	Mortgage servicing rights			21		—			—		21
	Total		$	74,681	$	—		$	74,660	$	21
	Assets measured at fair value on a recurring basis as of December 31, 2014 were:
	(Dollars in thousands)				Quoted Prices in			Significant Other		Significant
					Active Markets for			Observable		Unobservable
					Identical Assets			Inputs		Inputs
	Description		31-Dec-14		(Level 1)			(Level 2)		(Level 3)
	Recurring:
	U.S. Agencies		$	12,339	$	—		$	12,339	$	—
	MBS
	Residential			56,355		—			56,355		—
	Municipals
	North Carolina			1,009		—			1,009		—
	Mortgage servicing rights			22		—			—		22
	Total		$	69,725	$	—		$	69,703	$	22
	The table below displays changes in all recurring Level 3 Assets from December 31, 2014 to March 31, 2015 and December 31, 2013 to December 31, 2014.
	(Dollars in thousands)		Mortgage Servicing Rights
	Beginning balance (December 31, 2014)		$	22
	Amortization			1
	Ending Balance (March 31, 2015)		$	21
	(Dollars in thousands)		Mortgage Servicing Rights
	Beginning balance (December 31, 2013)		$	25
	Amortization			3
	Ending Balance (December 31, 2014)		$	22
	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.
	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 Assets: Repossessed assets are 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 Servicing 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 March 31, 2015 and December 31, 2014 were:
	(Dollars in thousands)				Quoted Prices in			Significant Other		Significant
					Active Markets for			Observable		Unobservable
					Identical Assets			Inputs		Inputs
	Description		31-Mar-15		(Level 1)			(Level 2)		(Level 3)
	Nonrecurring:
	OREO		$	2,772	$	—		$	—	$	2,772
	Impaired loans:
	Commercial real estate			8,978		—			—		8,978
	Faith-based non-profit			16,264		—			—		16,264
	Residential real estate			3,843		—			—		3,843
	Consumer			2		—			—		2
	Total		$	31,859	$	—		$	—	$	31,859
(Dollars in thousands)				Quoted Prices in			Significant Other		Significant
				Active Markets for			Observable		Unobservable
				Identical Assets			Inputs		Inputs
Description		31-Dec-14		(Level 1)			(Level 2)		(Level 3)
Nonrecurring:
OREO		$	3,069	$	—		$	—	$	3,069
Impaired loans:
Commercial real estate			9,060		—			—		9,060
Faith-based non-profit			17,119		—			—		17,119
Residential real estate			4,214		—			—		4,214
Total		$	33,462	$	—		$	—	$	33,462
Quantitative Information about Level 3 Fair Value Measurements
(Dollars in thousands)						Significant	Significant
				Valuation		Unobservable	Unobservable
Description		31-Mar-15		Technique		Inputs	Input Value
Nonrecurring:
OREO		$	2,772	discounted appraisals		collateral discounts		6-20%
Impaired loans			29,087	discounted appraisals		collateral discounts		6-20%
Total		$	31,859
(Dollars in thousands)						Significant	Significant
				Valuation		Unobservable	Unobservable
Description		31-Dec-14		Technique		Inputs	Input Value
Nonrecurring:
OREO		$	3,069	discounted appraisals		collateral discounts		6-20%
Impaired loans			30,393	discounted appraisals		collateral discounts		6-20%
Total		$	33,462
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 2014 or 2015.
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 March 31, 2015 and December 31, 2014, the carrying amounts and associated estimated fair value of financial assets and liabilities of the Company are as follows:
		31-Mar-15
(Dollars in thousands)		Carrying		Estimated
		Amount		Fair Value			Level 1		Level 2		Level 3
Assets:
Cash and cash equivalents		$	32,810	$	32,810		$	32,810	$	—	$	—
Investment securities available for sale			74,660		74,660			—		74,660		—
Loans, net of allowances for loan losses			169,251		172,915			—		—		172,915
Accrued interest receivable			726		726			726		—		—
Liabilities:
Non-maturity deposits		$	122,162	$	122,162		$	122,162	$	—	$	—
Maturity deposits			133,549		132,871			—		132,871		—
Other borrowings			894		841			—		—		841
Accrued interest payable			81		81			81		—		—
		31-Dec-14
(Dollars in thousands)		Carryingt		Estimated
		Amount		Value			Level 1		Level 2		Level 3
Assets:
Cash and cash equivalents		$	35,574	$	35,574		$	35,574	$	—	$	—
Investment securities available for sale			69,703		69,703			—		69,703		—
Loans, net of allowances for loan losses			171,648		175,165			—		—		175,165
Accrued interest receivable			816		816			816		—		—
Liabilities:
Non-maturity deposits		$	119,383	$	119,383		$	119,383	$	—	$	—
Maturity deposits			136,477		135,965			—		135,965		—
Other borrowings			784		734			—		—		734
Accrued interest payable			76		76			76		—		—

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2015
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
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, 2014, which were derived from the Company's audited consolidated Annual Report on Form 10-K as of and for the year ended December 31, 2014.
	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, 2014.
	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
	In May 2014, the Financial Accounting Standards Board (“FASB”) issued guidance to change the recognition of revenue from contracts with customers. The core principle of the new guidance is that an entity should recognize revenue to reflect the transfer of goods and services to customers in an amount equal to the consideration the entity receives or expects to receive. The guidance will be effective for the Company for reporting periods beginning after December 15, 2016. The Company will apply the guidance using a modified retrospective approach.  The Company does not expect this guidance to have a material effect on its financial statements.
	In August 2014, the FASB issued guidance that is intended to define management's responsibility to evaluate whether there is substantial doubt about an organization's ability to continue as a going concern and to provide related footnote disclosures. In connection with preparing financial statements, management will need to evaluate whether there are conditions or events, considered in the aggregate, that raise substantial doubt about the organization's ability to continue as a going concern within one year after the date that the financial statements are issued. The amendments will be effective for the Company for annual period ending after December 15, 2016, and for annual periods and interim periods thereafter. The Company does not expect these amendments to have a material effect on its financial statements.
	In January 2015, the FASB issued guidance that eliminated the concept of extraordinary items from U.S. GAAP.  Existing U.S. GAAP required that an entity separately classify, present, and disclose extraordinary events and transactions. The amendments will eliminate the requirements for reporting entities to consider whether an underlying event or transaction is extraordinary, however, the presentation and disclosure guidance for items that are unusual in nature or occur infrequently will be retained and will be expanded to include items that are both unusual in nature and infrequently occurring.  The amendments are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. The amendments may be applied either prospectively or retrospectively to all prior periods presented in the financial statements. Early adoption is permitted provided that the guidance is applied from the beginning of the fiscal year of adoption. The Company does not expect these amendments to have a material effect on its financial statements.
	In February 2015, the FASB issued guidance, which amends the consolidation requirements and significantly changes the consolidation analysis required under GAAP. Although the amendments are expected to result in the deconsolidation of many entities, the Company will need to reevaluate all its previous consolidation conclusions. The amendments will be effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015, with early adoption permitted (including during an interim period), provided that the guidance is applied as of the beginning of the annual period containing the adoption date. The Company does not expect these amendments to have a material effect on its financial statements.
	In April 2015, the FASB issued guidance that will require debt issuance costs related to a recognized debt liability to be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability. This update affects disclosures related to debt issuance costs but does not affect existing recognition and measurement guidance for these items.  The amendments will be effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015, with early adoption permitted. The Company does not expect these amendments to have a material 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)	3 Months Ended
	Mar. 31, 2015
INVESTMENT SECURITIES [Abstract]
Schedule of Investment Securities	(Dollars in thousands)	Amortized		Gross			Gross			Fair Value
		Cost		Unrealized			Unrealized
				Gains			Losses
	(Unaudited)
	31-Mar-15
	U.S. Agencies	$	29,374	$	70		$	(29	)	$	29,415
	MBS
	Residential		44,139		331			(240	)		44,230
	Municipals
	North Carolina		1,006		9			—			1,015
	Total	$	74,519	$	410		$	(269	)	$	74,660
	31-Dec-14
	U.S. Agencies	$	12,373	$	26		$	(60	)	$	12,339
	MBS
	Residential		56,350		281			(276	)		56,355
	Municipals
	North Carolina		1,009		9			(9	)		1,009
	Total	$	69,732	$	316		$	(345	)	$	69,703
Schedule of Investment Securities maturities	(Dollars in thousands)	As of March 31, 2015
	(Unaudited)	Fair Value		Amortized Cost
	U.S. Agencies
	Due within one year	$	1,507	$	1,497
	Due after one year through five years		21,658		21,627
	Due after five years through ten years		6,250		6,250
	Total U.S. Agencies	$	29,415	$	29,374
	MBS
	Residential
	Due within one year	$	8,238	$	8,239
	Due after one year through five years		19,777		19,746
	Due after five years through ten years		10,974		10,926
	Due after ten years		5,241		5,228
	Total MBS	$	44,230	$	44,139
	Municipals
	North Carolina
	Due within one year	$	160	$	160
	Due after one year through five years		266		260
	Due after five years through ten years		589		586
	Total Municipals	$	1,015	$	1,006
	(Dollars in thousands)	As of December 31, 2014
		Fair Value		Amortized Cost
	U.S. Agencies
	Due within one year	$	2,498	$	2,499
	Due after one year through five years		7,887		7,874
	Due after five years through ten years		1,954		2,000
	Total U.S. Agencies	$	12,339	$	12,373
	MBS
	Residential
	Due within one year	$	10,114	$	10,139
	Due after one year through five years		24,003		24,018
	Due after five years through ten years		13,803		13,771
	Due after ten years		8,435		8,422
	Total MBS	$	56,355	$	56,350
	Municipals
	North Carolina
	Due within one year	$	162	$	161
	Due after one year through five years		268		260
	Due after five years through ten years		579		588
	Total Municipals	$	1,009	$	1,009
Schedule of Securities in an unrealized loss position	(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
	31-Mar-15
	U.S. Agencies	$	8,982	$	(18	)	$	989		$	(11	)	$	9,971	$	(29	)
	MBS
	Residential		9,234		(74	)		10,929			(166	)		20,163		(240	)
	Total	$	18,216	$	(92	)	$	11,918		$	(177	)	$	30,134	$	(269	)
	(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-14
	U.S. Agencies	$	5,982	$	(14	)	$	1,954		$	(46	)	$	7,936	$	(60	)
	MBS
	Residential		12,594		(73	)		13,476			(203	)		26,070		(276	)
	Municipals
	North Carolina		—		—			579			(9	)		579		(9	)
	Total	$	18,576	$	(87	)	$	16,009		$	(258	)	$	34,585	$	(345	)

ACCUMULATED_OTHER_COMPREHENSIV1

ACCUMULATED OTHER COMPREHENSIVE INCOME (Tables)	3 Months Ended
	Mar. 31, 2015
ACCUMULATED OTHER COMPREHENSIVE INCOME [Abstract]
Schedule of changes in Accumulated Other Comprehensive Income (Loss) by Component		Unrealized			Defined			Total
		Gains and			Benefit
		Losses on			Pension Items
		Available-for-
		Sale Securities
	Balance as of December 31, 2013	$	(405	)	$	(1,020	)	$	(1,425	)
	Other comprehensive income before reclassifications		193			—			193
	Amounts reclassified from accumulated other comprehensive loss		—			—			—
	Net current-period other comprehensive income		193			—			193
	Balance as of March 31, 2014	$	(212	)	$	(1,020	)	$	(1,232	)
	Balance as of December 31, 2014	$	(17	)	$	(1,651	)	$	(1,668	)
	Other comprehensive income before reclassifications		88			—			88
	Amounts reclassified from accumulated other comprehensive loss		18			—			18
	Net current-period other comprehensive income		106			—			106
	Balance as of March 31, 2015	$	89		$	(1,651	)	$	(1,562	)
Schedule of reclassification adjustments from accumulated other comprehensive loss		For the Three Months Ended March 31,
	(Dollars in thousands)	2015			2014
	(Unaudited)
	Detail about Acumulated Other Comprehensive Income Components	Amount Reclassified			Amount Reclassified
		from Accumulated			from Accumulated
		Other Comprehensive			Other Comprehensive
		Loss			Loss
	Net unrealized holding gain - investment securities available-for-sale	$	29		$	—
	Income tax expense		(11	)		—
	Total, net of tax		18			—
	Total reclassifications for the period	$	18		$	—

LOANS_AND_ALLOWANCE_FOR_LOAN_L1

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	3 Months Ended
	Mar. 31, 2015
LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]
Schedule of Allowance for Loan Losses		For the Three Months Ended March 31, 2015
								Faith-
								Based			Residential
					Commercial			Non-			Real						Other
	(Dollars in thousands)	Commercial			Real Estate			Profit			Estate			Consumer			Loans			Unallocated		Total
	ALLL:
	Total ending ALLL balances as of December 31, 2014	$	353		$	579		$	1,234		$	685		$	28		$	265		$	296	$	3,440
	For the three months ended March 31, 2015
	Charge-offs		—			—			—			—			—			(4	)		—		(4	)
	Recoveries		—			—			—			10			—			—			—		10
	Provision for loan losses		(82	)		23			206			(106	)		1			(51	)		9		—
	Total ending ALLL balances as of March 31, 2015	$	271		$	602		$	1,440		$	589		$	29		$	210		$	305	$	3,446
		For the Three Months Ended March 31, 2014
								Faith-
								Based			Residential
					Commercial			Non-			Real						Other
	(Dollars in thousands)	Commercial			Real Estate			Profit			Estate			Consumer			Loans			Unallocated		Total
	ALLL:
	Total ending ALLL balances as of December 31, 2013	$	184		$	808		$	1,883		$	493		$	19		$	106		$	—	$	3,493
	For the three months ended March 31, 2014
	Charge-offs		—			—			—			(7	)		(1	)		(6	)		—		(14	)
	Recoveries		—			—			—			4			—			3			—		7
	Provision for loan losses		(6	)		(109	)		(87	)		122			1			(66	)		145		—
	Total ending ALLL balances as of March 31, 2014	$	178		$	699		$	1,796		$	612		$	19		$	37		$	145	$	3,486
		31-Mar-15
								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	$	3		$	28		$	227		$	184		$	—		$	—		$	—	$	442
	Collectively evaluated for impairment		268			574			1,213			405			29			210			305		3,004
	Total ending ALLL balance	$	271		$	602		$	1,440		$	589		$	29		$	210		$	305	$	3,446
	Loans:
	Loans individually evaluated for impairment	$	3		$	8,993		$	16,454		$	4,024		$	2		$	—		$	—	$	29,476
	Loans collectively evaluated for impairment		6,699			31,552			77,736			21,423			1,257			4,554			—		143,221
	Total ending loans balance	$	6,702		$	40,545		$	94,190		$	25,447		$	1,259		$	4,554		$	—	$	172,697
		31-Dec-14
								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	$	—		$	11		$	6		$	259		$	—		$	—		$	—	$	276
	Collectively evaluated for impairment		353			568			1,228			426			28			265			296		3,164
	Total ending ALLL balance	$	353		$	579		$	1,234		$	685		$	28		$	265		$	296	$	3,440
	Loans:
	Loans individually evaluated for impairment	$	—		$	9,012		$	16,807		$	4,450		$	—		$	—		$	—	$	30,269
	Loans collectively evaluated for impairment		7,253			31,051			78,555			22,176			1,232			4,552			—		144,819
	Total ending loans balance	$	7,253		$	40,063		$	95,362		$	26,626		$	1,232		$	4,552		$	—	$	175,088
Loan Portfolio Schedule	(Dollars in thousands)	March 31, 2015			December 31, 2014
	Commercial	$	6,702		$	7,253
	Commercial real estate:
	Construction		7,487			2,557
	Owner occupied		17,633			18,013
	Other		15,425			19,493
	Faith-based non-profit:
	Construction		1,932			6,156
	Owner Occupied		88,998			84,499
	Other		3,260			4,707
	Residential real estate:
	First mortgage		18,359			18,995
	Multifamily		2,955			3,001
	Home equity		4,011			4,124
	Construction		122			506
	Consumer		1,259			1,232
	Other loans		4,554			4,552
	Loans, net of deferred fees		172,697			175,088
	ALLL		(3,446	)		(3,440	)
	Loans, net of ALLL	$	169,251		$	171,648
Schedule of Past Due loans								90 Days
	31-Mar-15	30-59 Days			60-89 Days			Or More			Total Past
	(Dollars in thousands)	Past Due			Past Due			Past Due			Due			Current			Total
	Commercial	$	150		$	—		$	—		$	150		$	6,552		$	6,702
	Commercial real estate:
	Construction		—			—			—			—			7,487			7,487
	Owner occupied		87			69			360			516			17,117			17,633
	Other		—			—			3,602			3,602			11,823			15,425
	Faith-based non-profit:																	—
	Construction		—			—			—			—			1,932			1,932
	Owner occupied		694			464			1,329			2,487			86,511			88,998
	Other		—			—			15			15			3,245			3,260
	Residential real estate:																	—
	First mortgage		740			115			2,456			3,311			15,048			18,359
	Multifamily		84			—			—			84			2,871			2,955
	Home equity		—			135			25			160			3,851			4,011
	Construction		—			—			—			—			122			122
	Consumer		40			—			2			42			1,217			1,259
	Other loans		—			—			8			8			4,546			4,554
	Total	$	1,795		$	783		$	7,797		$	10,375		$	162,322		$	172,697
								90 Days
	31-Dec-14	30-59 Days			60-89 Days			Or More			Total Past
	(Dollars in thousands)	Past Due			Past Due			Past Due			Due			Current			Total
	Commercial	$	3		$	—		$	—		$	3		$	7,250		$	7,253
	Commercial real estate:
	Construction		—			—			—			—			2,557			2,557
	Owner occupied		69			321			42			432			17,581			18,013
	Other		25			1,188			3,602			4,815			14,678			19,493
	Faith-based non-profit:
	Construction		—			—			—			—			6,156			6,156
	Owner occupied		1,923			435			674			3,032			81,467			84,499
	Other		—			—			15			15			4,692			4,707
	Residential real estate:
	First mortgage		745			103			3,322			4,170			14,825			18,995
	Multifamily		—			—			—			—			3,001			3,001
	Home equity		47			—			23			70			4,054			4,124
	Construction		—			—			—			—			506			506
	Consumer		11			—			—			11			1,221			1,232
	Other loans		—			8			—			8			4,544			4,552
	Total	$	2,823		$	2,055		$	7,678		$	12,556		$	162,532		$	175,088
Schedule of Impaired Loans		31-Mar-15
											For the Three Months Ended
		Unpaid												Average
		Principal			Recorded			ALLL			Interest			Recorded
	(Dollars in thousands)	Balance			Investment			Allocated			Earned			Investment
	With no related allowance recorded:
	Commercial	$	—		$	—		$	—		$	—		$	—
	Commercial real estate:
	Construction		77			78			—			1			78
	Owner occupied		42			42			—			—			42
	Other		4,087			3,852			—			4			3,862
	Faith based non-profit:
	Construction		—			—			—			—			—
	Owner occupied		5,717			5,730			—			59			7,747
	Other		—			—			—			—			—
	Residential real estate:
	First mortgage		2,488			2,354			—			59			2,618
	Multifamily		—			—			—			—			—
	Home equity		125			115			—			1			67
	Construction		—			—			—			—			—
	Consumer		11			2			—			—			1
	Impaired loans with no allowance recorded	$	12,547		$	12,173		$	—		$	124		$	14,415
	With an allowance recorded:
	Commercial	$	3		$	3		$	3		$	—		$	1
	Commercial real estate:
	Construction		274			275			1			5			277
	Owner occupied		4,748			4,759			27			57			4,779
	Other		—			—			—			—			—
	Faith based non-profit:
	Construction		—			—			—			—			—
	Owner occupied		10,737			10,761			227			150			9,061
	Other		—			—			—			—			—
	Residential real estate:
	First mortgage		1,515			1,515			171			—			1,471
	Multifamily		—			—			—			—			—
	Home equity		43			43			13			—			94
	Construction		—			—			—			—			—
	Consumer		—			—			—			—			—
	Impaired loans with allowance recorded	$	17,320		$	17,356		$	442		$	212		$	15,683
	Impaired loans	$	29,867		$	29,529		$	442		$	336		$	30,098
		31-Dec-14
		Unpaid												Average
		Principal			Recorded			ALLL			Interest			Recorded
	(Dollars in thousands)	Balance			Investment			Allocated			Earned			Investment
	With no related allowance recorded:
	Commercial	$	—		$	—		$	—		$	—		$	—
	Commercial real estate:
	Construction		77			78			—			6			186
	Owner occupied		42			42			—			16			2,818
	Other		3,855			3,872			—			100			3,017
	Faith based non-profit:
	Construction		—			—			—			—			—
	Owner occupied		9,744			9,764			—			558			9,937
	Other		—			—			—			—			40
	Residential real estate:
	First mortgage		2,894			2,881			—			172			2,717
	Multifamily		—			—			—			—			—
	Home equity		20			20			—			2			70
	Construction		—			—			—			—			—
	Consumer		—			—			—			—			8
	Impaired loans with no allowance recorded	$	16,632		$	16,657		$	—		$	854		$	18,793
	With an allowance recorded:
	Commercial	$	—		$	—		$	—		$	—		$	—
	Commercial real estate:
Construction		278			279			1			23			176
Owner occupied		4,760			4,800			10			200			1,164
Other		—			—			—			—			1,714
Faith based non-profit:
Construction		—			—			—			—			—
Owner occupied		7,063			7,361			6			327			6,801
Other		—			—			—			—			—
Residential real estate:
First mortgage		1,426			1,427			242			76			644
Multifamily		—			—			—			—			—
Home equity		145			145			17			6			112
Construction		—			—			—			—			—
Consumer		—			—			—			—			—
Impaired loans with allowance recorded	$	13,672		$	14,012		$	276		$	632		$	10,611
Impaired loans	$	30,304		$	30,669		$	276		$	1,486		$	29,404
	31-Mar-14
										For the Three Months Ended
	Unpaid												Average
	Principal			Recorded			ALLL			Interest			Recorded
(Dollars in thousands)	Balance			Investment			Allocated			Earned			Investment
With no related allowance recorded:
Commercial	$	—		$	—		$	—		$	—		$	—
Commercial real estate:
Construction		359			361			—			7			362
Owner occupied		3,159			3,159			—			32			3,171
Other		867			869			—			6			3,186
Faith based non-profit:
Construction		—			—			—			—			—
Owner occupied		8,502			8,518			—			128			11,361
Other		—			—			—			—			—
Residential real estate:
First mortgage		2,750			2,744			—			19			2,931
Multifamily		—			—			—			—			—
Home equity		82			83			—			1			80
Construction		—			—			—			—			—
Consumer		8			8			—			—			10
Impaired loans with no allowance recorded	$	15,727		$	15,742		$	—		$	193		$	21,101
With an allowance recorded:
Commercial	$	—		$	—		$	—		$	—		$	—
Commercial real estate:
Construction		—			—			—			—			—
Owner occupied		—			—			—			—			—
Other		4,660			4,676			5			49			2,338
Faith based non-profit:
Construction		—			—			—			—			—
Owner occupied		8,075			8,089			746			102			5,794
Other		—			—			—			—			—
Residential real estate:
First mortgage		545			523			196			3			573
Multifamily		—			—			—			—			—
Home equity		78			78			19			1			105
Construction		—			—			—			—			—
Consumer		—			—			—			—			—
Impaired loans with allowance recorded	$	13,358		$	13,366		$	966		$	155		$	8,810
Impaired loans	$	29,085		$	29,108		$	966		$	348		$	29,911
Schedule of non-accrual loans								90 Days
								or More
								Past Due
	March 31, 2015							Still
	(Dollars in thousands)	Non-accrual			Number			Accruing			Number
	Commercial	$	3			1		$	—			—
	Commercial real estate:
	Construction		—			—			—			—
	Owner occupied		42			1			318			1
	Other		3,628			4			—			—
	Faith-based non-profit:
	Construction		—			—			—			—
	Owner occupied		22			—			1,307			1
	Other		—			1			15			7
	Residential real estate:
	First mortgage		3,405			35			81			4
	Multifamily		—			—			—			—
	Home equity		158			5			7			1
	Construction		—			—			—			—
	Consumer		2			1			—			—
	Other loans		—			—			8			1
	Total	$	7,260			48		$	1,736			15
								90 Days
								or More
								Past Due
	31-Dec-14							Still
	(Dollars in thousands)	Non-accrual			Number			Accruing			Number
	Commercial	$	—			—		$	—			—
	Commercial real estate:
	Construction		—			—			—			—
	Owner occupied		42			1			—			—
	Other		2,860			3			771			1
	Faith-based non-profit:
	Construction		—			—			—			—
	Owner occupied		133			2			541			2
	Other		—			—			15			1
	Residential real estate:
	First mortgage		2,720			33			1,696			8
	Multifamily		—			—			—			—
	Home equity		165			7			—			—
	Construction		—			—			—			—
	Consumer		—			—			—			1
	Other loans		—			—			—			—
	Total	$	5,920			46		$	3,023			13
Loans by risk category	31-Mar-15
	(Dollars in thousands)	Pass			Special Mention			Substandard				Doubtful		Total
	Commercial	$	763		$	3,144		$	2,795		$	—		$	6,702
	Commercial real estate:
	Construction		7,136			—			351			—			7,487
	Owner occupied		17,226			296			111			—			17,633
	Other		10,245			444			4,736			—			15,425
	Faith-based non-profit:
	Construction		1,932			—			—			—			1,932
	Owner occupied		73,808			8,027			7,163			—			88,998
	Other		3,260			—			—			—			3,260
	Residential real estate:
	First mortgage		14,247			81			4,031			—			18,359
	Multifamily		2,864			31			60			—			2,955
	Home equity		3,800			—			211			—			4,011
	Construction		122			—			—			—			122
	Consumer		1,240			13			6			—			1,259
	Other loans		4,554			—			—			—			4,554
	Total	$	141,197		$	12,036		$	19,464		$	—		$	172,697
	31-Dec-14
	(Dollars in thousands)	Pass			Special Mention			Substandard				Doubtful		Total
	Commercial	$	1,279		$	3,159		$	2,815		$	—		$	7,253
	Commercial real estate:
	Construction		2,202			—			355			—			2,557
	Owner occupied		17,596			306			111			—			18,013
	Other		14,263			457			4,773			—			19,493
	Faith-based non-profit:
	Construction		6,156			—			—			—			6,156
	Owner occupied		68,963			6,160			9,376			—			84,499
	Other		4,707			—			—			—			4,707
	Residential real estate:
	First mortgage		14,328			88			4,579			—			18,995
	Multifamily		2,910			31			60			—			3,001
	Home equity		3,910			—			214			—			4,124
	Construction		506			—			—			—			506
	Consumer		1,213			14			5			—			1,232
	Other loans		4,552			—			—			—			4,552
	Total	$	142,585		$	10,215		$	22,288		$	—		$	175,088
Schedule of Troubled Debt Restructurings		Troubled Debt Restructurings
		31-Mar-15
								Non-accrual						Total
		Accrual Status						Status						Modifications
	(Dollars in thousands)	Number			Amount			Number			Amount			Number			Amount
	Commercial real estate:
	Construction		2		$	351			—		$	—			2		$	351
	Owner occupied		4			4,748			—			—			4			4,748
	Other		2			223			2			2,830			4			3,053
	Faith-based non-profit:
	Owner occupied		20			16,432			1			22			21			16,454
	Other		—			—			—			—			—			—
	Residential real estate:
	First mortgage		3			147			2			155			5			302
	Total		31		$	21,901			5		$	3,007			36		$	24,908
		Troubled Debt Restructurings
		31-Dec-14
								Non-accrual						Total
		Accrual Status						Status						Modifications
	(Dollars in thousands)	Number			Amount			Number			Amount			Number			Amount
	Commercial real estate:
	Construction		2		$	355			—		$	—			2		$	355
	Owner occupied		4			4,760			—			—			4			4,760
	Other		2			224			2			2,830			4			3,054
	Faith-based non-profit:
	Owner occupied		20			16,391			1			22			21			16,413
	Other		—			—			—			—			—			—
	Residential real estate:
	First mortgage		1			23			2			164			3			187
	Total		29		$	21,753			5		$	3,016			34		$	24,769
	31-Mar-15				Pre-modification Outstanding			Post-Modification Outstanding
	(Dollars in thousands)	Number of loans			Recorded Investment			Recorded Investment
	Below market interest rates
	Residential real estate:
	First mortgage		2		$	129		$	125
	Total		2		$	129		$	125

COMMITMENTS_AND_CONTINGENCIES_

COMMITMENTS AND CONTINGENCIES (Tables)	3 Months Ended
	Mar. 31, 2015
COMMITMENTS AND CONTINGENCIES [Abstract]
Schedule of commitments	(Dollars in thousands)	Commercial		Other loan		Total
		letters of credit		commitments		commitments
	Less than one year	$	177		12,842	$	13,019
	One to three years		250		5,294		5,544
	Three to five years		—		2,508		2,508
	More than five years		93		1,353		1,446
	Total	$	520		21,997	$	22,517

FAIR_VALUE_MEASUREMENT_Tables

FAIR VALUE MEASUREMENT (Tables)	3 Months Ended
	Mar. 31, 2015
FAIR VALUE MEASUREMENT [Abstract]
Schedule of fair value of Level 3 assets	(Dollars in thousands)	Mortgage Servicing Rights
	Beginning balance (December 31, 2014)	$	22
	Amortization		1
	Ending Balance (March 31, 2015)	$	21
	(Dollars in thousands)	Mortgage Servicing Rights
	Beginning balance (December 31, 2013)	$	25
	Amortization		3
	Ending Balance (December 31, 2014)	$	22
Schedule of assets and liabilities measured at fair value on a non recurring basis	(Dollars in thousands)			Quoted Prices in			Significant Other		Significant
				Active Markets for			Observable		Unobservable
				Identical Assets			Inputs		Inputs
	Description	31-Mar-15		(Level 1)			(Level 2)		(Level 3)
	Nonrecurring:
	OREO	$	2,772	$	—		$	—	$	2,772
	Impaired loans:
	Commercial real estate		8,978		—			—		8,978
	Faith-based non-profit		16,264		—			—		16,264
	Residential real estate		3,843		—			—		3,843
	Consumer		2		—			—		2
	Total	$	31,859	$	—		$	—	$	31,859
	(Dollars in thousands)			Quoted Prices in			Significant Other		Significant
				Active Markets for			Observable		Unobservable
				Identical Assets			Inputs		Inputs
	Description	31-Dec-14		(Level 1)			(Level 2)		(Level 3)
	Nonrecurring:
	OREO	$	3,069	$	—		$	—	$	3,069
	Impaired loans:
	Commercial real estate		9,060		—			—		9,060
	Faith-based non-profit		17,119		—			—		17,119
	Residential real estate		4,214		—			—		4,214
	Total	$	33,462	$	—		$	—	$	33,462
Schedule of Level 3 fair value measurement methods	(Dollars in thousands)					Significant	Significant
				Valuation		Unobservable	Unobservable
	Description	31-Mar-15		Technique		Inputs	Input Value
	Nonrecurring:
	OREO	$	2,772	discounted appraisals		collateral discounts		6-20%
	Impaired loans		29,087	discounted appraisals		collateral discounts		6-20%
	Total	$	31,859
	(Dollars in thousands)					Significant	Significant
				Valuation		Unobservable	Unobservable
	Description	31-Dec-14		Technique		Inputs	Input Value
	Nonrecurring:
	OREO	$	3,069	discounted appraisals		collateral discounts		6-20%
	Impaired loans		30,393	discounted appraisals		collateral discounts		6-20%
	Total	$	33,462
Schedule of carrying amount and fair value of financial instruments		31-Mar-15
	(Dollars in thousands)	Carrying		Estimated
		Amount		Fair Value			Level 1		Level 2		Level 3
	Assets:
	Cash and cash equivalents	$	32,810	$	32,810		$	32,810	$	—	$	—
	Investment securities available for sale		74,660		74,660			—		74,660		—
	Loans, net of allowances for loan losses		169,251		172,915			—		—		172,915
	Accrued interest receivable		726		726			726		—		—
	Liabilities:
	Non-maturity deposits	$	122,162	$	122,162		$	122,162	$	—	$	—
	Maturity deposits		133,549		132,871			—		132,871		—
	Other borrowings		894		841			—		—		841
	Accrued interest payable		81		81			81		—		—
		31-Dec-14
	(Dollars in thousands)	Carryingt		Estimated
		Amount		Value			Level 1		Level 2		Level 3
	Assets:
	Cash and cash equivalents	$	35,574	$	35,574		$	35,574	$	—	$	—
	Investment securities available for sale		69,703		69,703			—		69,703		—
	Loans, net of allowances for loan losses		171,648		175,165			—		—		175,165
	Accrued interest receivable		816		816			816		—		—
	Liabilities:
	Non-maturity deposits	$	119,383	$	119,383		$	119,383	$	—	$	—
	Maturity deposits		136,477		135,965			—		135,965		—
	Other borrowings		784		734			—		—		734
	Accrued interest payable		76		76			76		—		—

INVESTMENT_SECURITIES_Schedule

INVESTMENT SECURITIES (Schedule of Investment Securities) (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
Investment securities [Line Items]
Available-for-sale Securities, Amortized Cost Basis	$74,519	$69,732
Available-for-sale Securities, Gross Unrealized Gains	410	316
Available-for-sale Securities, Gross Unrealized Losses	-269	-345
Available-for-sale Securities, Debt Securities	74,660	69,703
U.S Agencies [Member]
Investment securities [Line Items]
Available-for-sale Securities, Amortized Cost Basis	29,374	12,373
Available-for-sale Securities, Gross Unrealized Gains	70	26
Available-for-sale Securities, Gross Unrealized Losses	-29	-60
Available-for-sale Securities, Debt Securities	29,415	12,339
MBS - Residential [Member]
Investment securities [Line Items]
Available-for-sale Securities, Amortized Cost Basis	44,139	56,350
Available-for-sale Securities, Gross Unrealized Gains	331	281
Available-for-sale Securities, Gross Unrealized Losses	-240	-276
Available-for-sale Securities, Debt Securities	44,230	56,355
Municipal - North Carolina [Member]
Investment securities [Line Items]
Available-for-sale Securities, Amortized Cost Basis	1,006	1,009
Available-for-sale Securities, Gross Unrealized Gains	9	9
Available-for-sale Securities, Gross Unrealized Losses		-9
Available-for-sale Securities, Debt Securities	$1,015	$1,009

INVESTMENT_SECURITIES_Schedule1

INVESTMENT SECURITIES (Schedule of Investment Securities Maturities) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Fair Value
Total debt securities	$74,660	$69,703
U.S Agencies [Member]
Fair Value
Due within one year	1,507	2,498
Due after one year through five years	21,658	7,887
Due after five years through ten years	6,250	1,954
Total debt securities	29,415	12,339
Amortized Cost
Due within one year	1,497	2,499
Due after one year through five years	21,627	7,874
Due after five years through ten years	6,250	2,000
Total debt securities	29,374	12,373
MBS - Residential [Member]
Fair Value
Due within one year	8,238	10,114
Due after one year through five years	19,777	24,003
Due after five years through ten years	10,974	13,803
Due after ten years	5,241	8,435
Total debt securities	44,230	56,355
Amortized Cost
Due within one year	8,239	10,139
Due after one year through five years	19,746	24,018
Due after five years through ten years	10,926	13,771
Due after ten years	5,228	8,422
Total debt securities	44,139	56,350
Municipal - North Carolina [Member]
Fair Value
Due within one year	160	162
Due after one year through five years	266	268
Due after five years through ten years	589	579
Total debt securities	1,015	1,009
Amortized Cost
Due within one year	160	161
Due after one year through five years	260	260
Due after five years through ten years	586	588
Total debt securities	$1,006	$1,009

INVESTMENT_SECURITIES_Schedule2

INVESTMENT SECURITIES (Schedule of Securities in an Unrealized Loss Position) (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
Securities in an Unrealized Loss Position for Less than 12 Months
Fair Value	$18,216	$18,576
Unrealized Losses	-92	-87
Securities in an Unrealized Loss Position for More than 12 Months
Fair Value	11,918	16,009
Unrealized Losses	-177	-258
Securities Total
Total Fair Value	30,134	34,585
Total Unrealized Losses	-269	-345
U.S Agencies [Member]
Securities in an Unrealized Loss Position for Less than 12 Months
Fair Value	8,982	5,982
Unrealized Losses	-18	-14
Securities in an Unrealized Loss Position for More than 12 Months
Fair Value	989	1,954
Unrealized Losses	-11	-46
Securities Total
Total Fair Value	9,971	7,936
Total Unrealized Losses	-29	-60
MBS - Residential [Member]
Securities in an Unrealized Loss Position for Less than 12 Months
Fair Value	9,234	12,594
Unrealized Losses	-74	-73
Securities in an Unrealized Loss Position for More than 12 Months
Fair Value	10,929	13,476
Unrealized Losses	-166	-203
Securities Total
Total Fair Value	20,163	26,070
Total Unrealized Losses	-240	-276
Municipal - North Carolina [Member]
Securities in an Unrealized Loss Position for Less than 12 Months
Fair Value
Unrealized Losses
Securities in an Unrealized Loss Position for More than 12 Months
Fair Value		579
Unrealized Losses		-9
Securities Total
Total Fair Value		579
Total Unrealized Losses		($9)

INVESTMENT_SECURITIES_Narrativ

INVESTMENT SECURITIES (Narrative) (Details) (USD $)	3 Months Ended	12 Months Ended
	Mar. 31, 2015	Dec. 31, 2014
	N	N
INVESTMENT SECURITIES [Abstract]
Gross realized gains (losses)	$112,000	($83,000)
Number of investment positions	54	59
Statement [Line Items]
Investment securities available for sale, at fair value	74,660,000	69,703,000
Pledged to Federal Reserve Bank [Member]
Statement [Line Items]
Funds pledged for public deposits	1,000,000	1,000,000
Pledged to Public Housing [Member]
Statement [Line Items]
Funds pledged for public deposits	3,900,000	3,800,000
Pledged to NC State Treasurer [Member]
Statement [Line Items]
Funds pledged for public deposits	$17,400,000	$18,100,000

FEDERAL_HOME_LOAN_BANK_OF_ATLA1

FEDERAL HOME LOAN BANK OF ATLANTA (bFHLBb) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Millions, unless otherwise specified
FEDERAL HOME LOAN BANK OF ATLANTA ("FHLB") [Abstract]
Required investment in FHLB stock as a percent of total assets	0.09%
Base amount, as a component of the maximum amount of FHLB stock that may be purchased	$15
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	$0.30	$0.30

ACCUMULATED_OTHER_COMPREHENSIV2

ACCUMULATED OTHER COMPREHENSIVE INCOME (Schedule of Changes in Accumulated Other Comprehensive Income (Loss) by Component) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Unrealized Gains and Losses on Available-for-Sale Securities
Balance, beginning	($17)	($405)
Other comprehensive income before reclassifications	88	193
Amounts reclassified from accumulated other comprehensive loss	18
Net current-period other comprehensive income	106	193
Balance, ending	89	-212
Defined Benefit Pension Items
Balance, beginning	-1,651	-1,020
Other comprehensive income before reclassifications
Amounts reclassified from accumulated other comprehensive loss
Net current-period other comprehensive income
Balance, ending	-1,651	-1,020
Total
Accumulated other comprehensive loss	-1,668	-1,425
Other comprehensive income before reclassifications	88	193
Amounts reclassified from accumulated other comprehensive loss	18
Net current-period other comprehensive income	106	193
Accumulated other comprehensive loss	($1,562)	($1,232)

ACCUMULATED_OTHER_COMPREHENSIV3

ACCUMULATED OTHER COMPREHENSIVE INCOME (Schedule of reclassification adjustments from accumulated other comprehensive loss) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
RECLASSIFICATION ADJUSTMENTS FROM ACCUMULATED OTHER COMPREHENSIVE LOSS [Line items]
Net unrealized holding gain - investment securities available-for-sale	($29)
Income tax expense	11
Total reclassifications for the period	18
Reclassification out of accumulated other comprehensive loss
RECLASSIFICATION ADJUSTMENTS FROM ACCUMULATED OTHER COMPREHENSIVE LOSS [Line items]
Net unrealized holding gain - investment securities available-for-sale	29
Income tax expense	-11
Total, net of tax	18
Total reclassifications for the period	$18

LOANS_AND_ALLOWANCE_FOR_LOAN_L2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Reported Investment in Loans, Net of Deferred Fees and Costs, by Portfolio Segment and Based on Impairment Method) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Loans and allowance for loan losses ("ALLL") [Line Items]
Beginning balance	$3,440	$3,493
Charge-offs	-4	-14
Recoveries	10	7
Provision (decrease) increase
Ending balance	3,446	3,486
Commercial [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Beginning balance	353	184
Charge-offs
Recoveries
Provision (decrease) increase	-82	-6
Ending balance	271	178
Commercial Real Estate [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Beginning balance	579	808
Charge-offs
Recoveries
Provision (decrease) increase	23	-109
Ending balance	602	699
Faith Based Non-Profit [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Beginning balance	1,234	1,883
Charge-offs
Recoveries
Provision (decrease) increase	206	-87
Ending balance	1,440	1,796
Residential Real Estate [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Beginning balance	685	493
Charge-offs		-7
Recoveries	10	4
Provision (decrease) increase	-106	122
Ending balance	589	612
Consumer [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Beginning balance	28	19
Charge-offs		-1
Recoveries
Provision (decrease) increase	1	1
Ending balance	29	19
Other [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Beginning balance	265	106
Charge-offs	-4	-6
Recoveries		3
Provision (decrease) increase	-51	-66
Ending balance	210	37
Unallocated [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Beginning balance	296
Charge-offs
Recoveries
Provision (decrease) increase	9	145
Ending balance	$305	$145

LOANS_AND_ALLOWANCE_FOR_LOAN_L3

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Ending Balances of Allownace for Loan Losses and Loans) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Ending balances: Allowance for loan losses
Individually evaluated for impairment	$442	$276
Collectively evaluated for impairment	3,004	3,164
Allowances for loan losses	3,446	3,440	3,486	3,493
Ending balances: Loans
Individually evaluated for impairment	29,476	30,269
Collectively evaluated for impairment	143,221	144,819
Loans, net of unearned income and deferred fees	172,697	175,088
Commercial [Member]
Ending balances: Allowance for loan losses
Individually evaluated for impairment	3
Collectively evaluated for impairment	268	353
Allowances for loan losses	271	353	178	184
Ending balances: Loans
Individually evaluated for impairment	3
Collectively evaluated for impairment	6,699	7,253
Loans, net of unearned income and deferred fees	6,702	7,253
Commercial Real Estate [Member]
Ending balances: Allowance for loan losses
Individually evaluated for impairment	28	11
Collectively evaluated for impairment	574	568
Allowances for loan losses	602	579	699	808
Ending balances: Loans
Individually evaluated for impairment	8,993	9,012
Collectively evaluated for impairment	31,552	31,051
Loans, net of unearned income and deferred fees	40,545	40,063
Faith Based Non-Profit [Member]
Ending balances: Allowance for loan losses
Individually evaluated for impairment	227	6
Collectively evaluated for impairment	1,213	1,228
Allowances for loan losses	1,440	1,234	1,796	1,883
Ending balances: Loans
Individually evaluated for impairment	16,454	16,807
Collectively evaluated for impairment	77,736	78,555
Loans, net of unearned income and deferred fees	94,190	95,362
Residential Real Estate [Member]
Ending balances: Allowance for loan losses
Individually evaluated for impairment	184	259
Collectively evaluated for impairment	405	426
Allowances for loan losses	589	685	612	493
Ending balances: Loans
Individually evaluated for impairment	4,024	4,450
Collectively evaluated for impairment	21,423	22,176
Loans, net of unearned income and deferred fees	25,447	26,626
Consumer [Member]
Ending balances: Allowance for loan losses
Individually evaluated for impairment
Collectively evaluated for impairment	29	28
Allowances for loan losses	29	28	19	19
Ending balances: Loans
Individually evaluated for impairment	2
Collectively evaluated for impairment	1,257	1,232
Loans, net of unearned income and deferred fees	1,259	1,232
Other [Member]
Ending balances: Allowance for loan losses
Individually evaluated for impairment
Collectively evaluated for impairment	210	265
Allowances for loan losses	210	265	37	106
Ending balances: Loans
Individually evaluated for impairment
Collectively evaluated for impairment	4,554	4,552
Loans, net of unearned income and deferred fees	4,554	4,552
Unallocated [Member]
Ending balances: Allowance for loan losses
Individually evaluated for impairment
Collectively evaluated for impairment	305	296
Allowances for loan losses	305	296	145
Ending balances: Loans
Individually evaluated for impairment
Collectively evaluated for impairment
Loans, net of unearned income and deferred fees

LOANS_AND_ALLOWANCE_FOR_LOAN_L4

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Composition of Loan Portfolio, Net of Deferred Fees and Costs, By Loan Classification) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	$172,697	$175,088
Allowance for loan losses	-3,446	-3,440	-3,486	-3,493
Loans, net	169,251	171,648
Commercial [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	6,702	7,253
Allowance for loan losses	-271	-353	-178	-184
Commercial Real Estate Construction [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	7,487	2,557
Commercial Real Estate Owner Occupied [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	17,633	18,013
Commercial Real Estate Other [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	15,425	19,493
Faith Based Non-Profit Construction [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	1,932	6,156
Faith Based Non-Profit Owner Occupied [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	88,998	84,499
Faith Based Non-Profit Other [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	3,260	4,707
Residential Real Estate First Mortgage [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	18,359	18,995
Residential Real Estate Multifamily [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	2,955	3,001
Residential Real Estate Home Equity [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	4,011	4,124
Residential Real Estate Construction [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	122	506
Consumer [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	1,259	1,232
Allowance for loan losses	-29	-28	-19	-19
Other [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	4,554	4,552
Allowance for loan losses	($210)	($265)	($37)	($106)

LOANS_AND_ALLOWANCE_FOR_LOAN_L5

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Loans Not Past Due, and Aging of Past Due Loans) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Aging Schedule of Loans Receivable
30-59 Days Past Due	$1,795	$2,823
60-89 Days Past Due	783	2,055
90 Days or More Past Due	7,797	7,678
Total past due	10,375	12,556
Current	162,322	162,532
Loans, net of unearned income and deferred fees	172,697	175,088
Commercial [Member]
Aging Schedule of Loans Receivable
30-59 Days Past Due	150	3
60-89 Days Past Due
90 Days or More Past Due
Total past due	150	3
Current	6,552	7,250
Loans, net of unearned income and deferred fees	6,702	7,253
Commercial Real Estate Construction [Member]
Aging Schedule of Loans Receivable
30-59 Days Past Due
60-89 Days Past Due
90 Days or More Past Due
Total past due
Current	7,487	2,557
Loans, net of unearned income and deferred fees	7,487	2,557
Commercial Real Estate Owner Occupied [Member]
Aging Schedule of Loans Receivable
30-59 Days Past Due	87	69
60-89 Days Past Due	69	321
90 Days or More Past Due	360	42
Total past due	516	432
Current	17,117	17,581
Loans, net of unearned income and deferred fees	17,633	18,013
Commercial Real Estate Other [Member]
Aging Schedule of Loans Receivable
30-59 Days Past Due		25
60-89 Days Past Due		1,188
90 Days or More Past Due	3,602	3,602
Total past due	3,602	4,815
Current	11,823	14,678
Loans, net of unearned income and deferred fees	15,425	19,493
Faith Based Non-Profit Construction [Member]
Aging Schedule of Loans Receivable
30-59 Days Past Due
60-89 Days Past Due
90 Days or More Past Due
Total past due
Current	1,932	6,156
Loans, net of unearned income and deferred fees	1,932	6,156
Faith Based Non-Profit Owner Occupied [Member]
Aging Schedule of Loans Receivable
30-59 Days Past Due	694	1,923
60-89 Days Past Due	464	435
90 Days or More Past Due	1,329	674
Total past due	2,487	3,032
Current	86,511	81,467
Loans, net of unearned income and deferred fees	88,998	84,499
Faith Based Non-Profit Other [Member]
Aging Schedule of Loans Receivable
30-59 Days Past Due
60-89 Days Past Due
90 Days or More Past Due	15	15
Total past due	15	15
Current	3,245	4,692
Loans, net of unearned income and deferred fees	3,260	4,707
Residential Real Estate First Mortgage [Member]
Aging Schedule of Loans Receivable
30-59 Days Past Due	740	745
60-89 Days Past Due	115	103
90 Days or More Past Due	2,456	3,322
Total past due	3,311	4,170
Current	15,048	14,825
Loans, net of unearned income and deferred fees	18,359	18,995
Residential Real Estate Multifamily [Member]
Aging Schedule of Loans Receivable
30-59 Days Past Due	84
60-89 Days Past Due
90 Days or More Past Due
Total past due	84
Current	2,871	3,001
Loans, net of unearned income and deferred fees	2,955	3,001
Residential Real Estate Home Equity [Member]
Aging Schedule of Loans Receivable
30-59 Days Past Due		47
60-89 Days Past Due	135
90 Days or More Past Due	25	23
Total past due	160	70
Current	3,851	4,054
Loans, net of unearned income and deferred fees	4,011	4,124
Residential Real Estate Construction [Member]
Aging Schedule of Loans Receivable
30-59 Days Past Due
60-89 Days Past Due
90 Days or More Past Due
Total past due
Current	122	506
Loans, net of unearned income and deferred fees	122	506
Consumer [Member]
Aging Schedule of Loans Receivable
30-59 Days Past Due	40	11
60-89 Days Past Due
90 Days or More Past Due	2
Total past due	42	11
Current	1,217	1,221
Loans, net of unearned income and deferred fees	1,259	1,232
Other [Member]
Aging Schedule of Loans Receivable
30-59 Days Past Due
60-89 Days Past Due		8
90 Days or More Past Due	8
Total past due	8	8
Current	4,546	4,544
Loans, net of unearned income and deferred fees	$4,554	$4,552

LOANS_AND_ALLOWANCE_FOR_LOAN_L6

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Impaired Loans with and without Valuation Allowances) (Details) (USD $)	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Loans with no related allowance recorded:
Impaired loans with no related allowance - Unpaid Principal Balance	$12,547	$15,727	$16,632
Impaired loans with no related allowance - Recorded Investment	12,173	15,742	16,657
Imapired loans with no related allowance - Interest earned	124	193	854
Impaired loans with related allowance - Average Recorded Investment	14,415	21,101	18,793
Loans with an allowance recorded:
Impaired loans with allowance - Unpaid Principal Balance	17,320	13,358	13,672
Impaired loans with allowance - Recorded Investment	17,356	13,366	14,012
Impaired loans with related allowance - Related Allowance	442	966	276
Impaired loans with related allowance - Interest earned	212	155	632
Impaired loans with related allowance - Average Recorded Investment	15,683	8,810	10,611
Total impaired loans
Impaired loans with allowance - Unpaid Principal Balance	29,867	29,085	30,304
Impaired loans with allowance - Recorded Investment	29,529	29,108	30,669
Impaired loans with related allowance - Interest earned	336	348	1,486
Impaired loans with related allowance - Average Recorded Investment	30,098	29,911	29,404
Commercial [Member]
Loans with no related allowance recorded:
Impaired loans with no related allowance - Unpaid Principal Balance
Impaired loans with no related allowance - Recorded Investment
Imapired loans with no related allowance - Interest earned
Impaired loans with related allowance - Average Recorded Investment
Loans with an allowance recorded:
Impaired loans with allowance - Unpaid Principal Balance	3
Impaired loans with allowance - Recorded Investment	3
Impaired loans with related allowance - Related Allowance	3
Impaired loans with related allowance - Interest earned
Impaired loans with related allowance - Average Recorded Investment	1
Commercial Real Estate Construction [Member]
Loans with no related allowance recorded:
Impaired loans with no related allowance - Unpaid Principal Balance	77	359	77
Impaired loans with no related allowance - Recorded Investment	78	361	78
Imapired loans with no related allowance - Interest earned	1	7	6
Impaired loans with related allowance - Average Recorded Investment	78	362	186
Loans with an allowance recorded:
Impaired loans with allowance - Unpaid Principal Balance	274		278
Impaired loans with allowance - Recorded Investment	275		279
Impaired loans with related allowance - Related Allowance	1		1
Impaired loans with related allowance - Interest earned	5		23
Impaired loans with related allowance - Average Recorded Investment	277		176
Commercial Real Estate Owner Occupied [Member]
Loans with no related allowance recorded:
Impaired loans with no related allowance - Unpaid Principal Balance	42	3,159	42
Impaired loans with no related allowance - Recorded Investment	42	3,159	42
Imapired loans with no related allowance - Interest earned		32	16
Impaired loans with related allowance - Average Recorded Investment	42	3,171	2,818
Loans with an allowance recorded:
Impaired loans with allowance - Unpaid Principal Balance	4,748		4,760
Impaired loans with allowance - Recorded Investment	4,759		4,800
Impaired loans with related allowance - Related Allowance	27		10
Impaired loans with related allowance - Interest earned	57		200
Impaired loans with related allowance - Average Recorded Investment	4,779		1,164
Commercial Real Estate Other [Member]
Loans with no related allowance recorded:
Impaired loans with no related allowance - Unpaid Principal Balance	4,087	867	3,855
Impaired loans with no related allowance - Recorded Investment	3,852	869	3,872
Imapired loans with no related allowance - Interest earned	4	6	100
Impaired loans with related allowance - Average Recorded Investment	3,862	3,186	3,017
Loans with an allowance recorded:
Impaired loans with allowance - Unpaid Principal Balance		4,660
Impaired loans with allowance - Recorded Investment		4,676
Impaired loans with related allowance - Related Allowance		5
Impaired loans with related allowance - Interest earned		49
Impaired loans with related allowance - Average Recorded Investment		2,338	1,714
Faith Based Non-Profit Construction [Member]
Loans with no related allowance recorded:
Impaired loans with no related allowance - Unpaid Principal Balance
Impaired loans with no related allowance - Recorded Investment
Imapired loans with no related allowance - Interest earned
Impaired loans with related allowance - Average Recorded Investment
Loans with an allowance recorded:
Impaired loans with allowance - Unpaid Principal Balance
Impaired loans with allowance - Recorded Investment
Impaired loans with related allowance - Related Allowance
Impaired loans with related allowance - Interest earned
Impaired loans with related allowance - Average Recorded Investment
Faith Based Non-Profit Owner Occupied [Member]
Loans with no related allowance recorded:
Impaired loans with no related allowance - Unpaid Principal Balance	5,717	8,502	9,744
Impaired loans with no related allowance - Recorded Investment	5,730	8,518	9,764
Imapired loans with no related allowance - Interest earned	59	128	558
Impaired loans with related allowance - Average Recorded Investment	7,747	11,361	9,937
Loans with an allowance recorded:
Impaired loans with allowance - Unpaid Principal Balance	10,737	8,075	7,063
Impaired loans with allowance - Recorded Investment	10,761	8,089	7,361
Impaired loans with related allowance - Related Allowance	227	746	6
Impaired loans with related allowance - Interest earned	150	102	327
Impaired loans with related allowance - Average Recorded Investment	9,061	5,794	6,801
Faith Based Non-Profit Other [Member]
Loans with no related allowance recorded:
Impaired loans with no related allowance - Unpaid Principal Balance
Impaired loans with no related allowance - Recorded Investment
Imapired loans with no related allowance - Interest earned
Impaired loans with related allowance - Average Recorded Investment			40
Loans with an allowance recorded:
Impaired loans with allowance - Unpaid Principal Balance
Impaired loans with allowance - Recorded Investment
Impaired loans with related allowance - Related Allowance
Impaired loans with related allowance - Interest earned
Impaired loans with related allowance - Average Recorded Investment
Residential Real Estate First Mortgage [Member]
Loans with no related allowance recorded:
Impaired loans with no related allowance - Unpaid Principal Balance	2,488	2,750	2,894
Impaired loans with no related allowance - Recorded Investment	2,354	2,744	2,881
Imapired loans with no related allowance - Interest earned	59	19	172
Impaired loans with related allowance - Average Recorded Investment	2,618	2,931	2,717
Loans with an allowance recorded:
Impaired loans with allowance - Unpaid Principal Balance	1,515	545	1,426
Impaired loans with allowance - Recorded Investment	1,515	523	1,427
Impaired loans with related allowance - Related Allowance	171	196	242
Impaired loans with related allowance - Interest earned		3	76
Impaired loans with related allowance - Average Recorded Investment	1,471	573	644
Residential Real Estate Multifamily [Member]
Loans with no related allowance recorded:
Impaired loans with no related allowance - Unpaid Principal Balance
Impaired loans with no related allowance - Recorded Investment
Imapired loans with no related allowance - Interest earned
Impaired loans with related allowance - Average Recorded Investment
Loans with an allowance recorded:
Impaired loans with allowance - Unpaid Principal Balance
Impaired loans with allowance - Recorded Investment
Impaired loans with related allowance - Related Allowance
Impaired loans with related allowance - Interest earned
Impaired loans with related allowance - Average Recorded Investment
Residential Real Estate Home Equity [Member]
Loans with no related allowance recorded:
Impaired loans with no related allowance - Unpaid Principal Balance	125	82	20
Impaired loans with no related allowance - Recorded Investment	115	83	20
Imapired loans with no related allowance - Interest earned	1	1	2
Impaired loans with related allowance - Average Recorded Investment	67	80	70
Loans with an allowance recorded:
Impaired loans with allowance - Unpaid Principal Balance	43	78	145
Impaired loans with allowance - Recorded Investment	43	78	145
Impaired loans with related allowance - Related Allowance	13	19	17
Impaired loans with related allowance - Interest earned		1	6
Impaired loans with related allowance - Average Recorded Investment	94	105	112
Residential Real Estate Construction [Member]
Loans with no related allowance recorded:
Impaired loans with no related allowance - Unpaid Principal Balance
Impaired loans with no related allowance - Recorded Investment
Imapired loans with no related allowance - Interest earned
Impaired loans with related allowance - Average Recorded Investment
Loans with an allowance recorded:
Impaired loans with allowance - Unpaid Principal Balance
Impaired loans with allowance - Recorded Investment
Impaired loans with related allowance - Related Allowance
Impaired loans with related allowance - Interest earned
Impaired loans with related allowance - Average Recorded Investment
Consumer [Member]
Loans with no related allowance recorded:
Impaired loans with no related allowance - Unpaid Principal Balance	11	8
Impaired loans with no related allowance - Recorded Investment	2	8
Imapired loans with no related allowance - Interest earned
Impaired loans with related allowance - Average Recorded Investment	1	10	8
Loans with an allowance recorded:
Impaired loans with allowance - Unpaid Principal Balance
Impaired loans with allowance - Recorded Investment
Impaired loans with related allowance - Related Allowance
Impaired loans with related allowance - Interest earned
Impaired loans with related allowance - Average Recorded Investment

LOANS_AND_ALLOWANCE_FOR_LOAN_L7

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Recorded Investment in Non-accrual and Loans Past Due Over 90 Days Still on Accrual by Class of Loans) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014
In Thousands, unless otherwise specified	N	N
Loans and allowance for loan losses ("ALLL") [Line Items]
Non-accrual Loans	$7,260	$5,920	$2,600
Number of non-accrual loans	48	46
Loans past due over 90 days still accruing	1,736	3,023
Number of loans past due over 90 days still accruing	15	13
Commercial [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Non-accrual Loans	3
Number of non-accrual loans	1
Loans past due over 90 days still accruing
Number of loans past due over 90 days still accruing
Commercial Real Estate Construction [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Non-accrual Loans
Number of non-accrual loans
Loans past due over 90 days still accruing
Number of loans past due over 90 days still accruing
Commercial Real Estate Owner Occupied [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Non-accrual Loans	42	42
Number of non-accrual loans	1	1
Loans past due over 90 days still accruing	318
Number of loans past due over 90 days still accruing	1
Commercial Real Estate Other [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Non-accrual Loans	3,628	2,860
Number of non-accrual loans	4	3
Loans past due over 90 days still accruing		771
Number of loans past due over 90 days still accruing		1
Faith Based Non-Profit Construction [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Non-accrual Loans
Number of non-accrual loans
Loans past due over 90 days still accruing
Number of loans past due over 90 days still accruing
Faith Based Non-Profit Owner Occupied [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Non-accrual Loans	22	133
Number of non-accrual loans		2
Loans past due over 90 days still accruing	1,307	541
Number of loans past due over 90 days still accruing	1	2
Faith Based Non-Profit Other [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Non-accrual Loans
Number of non-accrual loans	1
Loans past due over 90 days still accruing	15	15
Number of loans past due over 90 days still accruing	7	1
Residential Real Estate First Mortgage [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Non-accrual Loans	3,405	2,720
Number of non-accrual loans	35	33
Loans past due over 90 days still accruing	81	1,696
Number of loans past due over 90 days still accruing	4	8
Residential Real Estate Multifamily [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Non-accrual Loans
Number of non-accrual loans
Loans past due over 90 days still accruing
Number of loans past due over 90 days still accruing
Residential Real Estate Home Equity [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Non-accrual Loans	158	165
Number of non-accrual loans	5	7
Loans past due over 90 days still accruing	7
Number of loans past due over 90 days still accruing	1
Residential Real Estate Construction [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Non-accrual Loans
Number of non-accrual loans
Loans past due over 90 days still accruing
Number of loans past due over 90 days still accruing
Consumer [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Non-accrual Loans	2
Number of non-accrual loans	1
Loans past due over 90 days still accruing
Number of loans past due over 90 days still accruing		1
Other [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Non-accrual Loans
Number of non-accrual loans
Loans past due over 90 days still accruing	$8
Number of loans past due over 90 days still accruing	1

LOANS_AND_ALLOWANCE_FOR_LOAN_L8

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Risk Category of Loans by Class of Loans) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	$172,697	$175,088
Pass [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	141,197	142,585
Special Mention [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	12,036	10,215
Substandard [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	19,464	22,288
Doubtful [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Commercial [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	6,702	7,253
Commercial [Member] | Pass [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	763	1,279
Commercial [Member] | Special Mention [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	3,144	3,159
Commercial [Member] | Substandard [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	2,795	2,815
Commercial [Member] | Doubtful [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Commercial Real Estate Construction [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	7,487	2,557
Commercial Real Estate Construction [Member] | Pass [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	7,136	2,202
Commercial Real Estate Construction [Member] | Special Mention [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Commercial Real Estate Construction [Member] | Substandard [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	351	355
Commercial Real Estate Construction [Member] | Doubtful [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Commercial Real Estate Owner Occupied [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	17,633	18,013
Commercial Real Estate Owner Occupied [Member] | Pass [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	17,226	17,596
Commercial Real Estate Owner Occupied [Member] | Special Mention [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	296	306
Commercial Real Estate Owner Occupied [Member] | Substandard [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	111	111
Commercial Real Estate Owner Occupied [Member] | Doubtful [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Commercial Real Estate Other [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	15,425	19,493
Commercial Real Estate Other [Member] | Pass [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	10,245	14,263
Commercial Real Estate Other [Member] | Special Mention [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	444	457
Commercial Real Estate Other [Member] | Substandard [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	4,736	4,773
Commercial Real Estate Other [Member] | Doubtful [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Faith Based Non-Profit Construction [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	1,932	6,156
Faith Based Non-Profit Construction [Member] | Pass [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	1,932	6,156
Faith Based Non-Profit Construction [Member] | Special Mention [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Faith Based Non-Profit Construction [Member] | Substandard [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Faith Based Non-Profit Construction [Member] | Doubtful [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Faith Based Non-Profit Owner Occupied [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	88,998	84,499
Faith Based Non-Profit Owner Occupied [Member] | Pass [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	73,808	68,963
Faith Based Non-Profit Owner Occupied [Member] | Special Mention [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	8,027	6,160
Faith Based Non-Profit Owner Occupied [Member] | Substandard [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	7,163	9,376
Faith Based Non-Profit Owner Occupied [Member] | Doubtful [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Faith Based Non-Profit Other [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	3,260	4,707
Faith Based Non-Profit Other [Member] | Pass [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	3,260	4,707
Faith Based Non-Profit Other [Member] | Special Mention [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Faith Based Non-Profit Other [Member] | Substandard [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Faith Based Non-Profit Other [Member] | Doubtful [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Residential Real Estate First Mortgage [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	18,359	18,995
Residential Real Estate First Mortgage [Member] | Pass [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	14,247	14,328
Residential Real Estate First Mortgage [Member] | Special Mention [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	81	88
Residential Real Estate First Mortgage [Member] | Substandard [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	4,031	4,579
Residential Real Estate First Mortgage [Member] | Doubtful [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Residential Real Estate Multifamily [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	2,955	3,001
Residential Real Estate Multifamily [Member] | Pass [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	2,864	2,910
Residential Real Estate Multifamily [Member] | Special Mention [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	31	31
Residential Real Estate Multifamily [Member] | Substandard [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	60	60
Residential Real Estate Multifamily [Member] | Doubtful [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Residential Real Estate Home Equity [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	4,011	4,124
Residential Real Estate Home Equity [Member] | Pass [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	3,800	3,910
Residential Real Estate Home Equity [Member] | Special Mention [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Residential Real Estate Home Equity [Member] | Substandard [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	211	214
Residential Real Estate Home Equity [Member] | Doubtful [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Residential Real Estate Construction [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	122	506
Residential Real Estate Construction [Member] | Pass [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	122	506
Residential Real Estate Construction [Member] | Special Mention [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Residential Real Estate Construction [Member] | Substandard [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Residential Real Estate Construction [Member] | Doubtful [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Consumer [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	1,259	1,232
Consumer [Member] | Pass [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	1,240	1,213
Consumer [Member] | Special Mention [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	13	14
Consumer [Member] | Substandard [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	6	5
Consumer [Member] | Doubtful [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Other [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	4,554	4,552
Other [Member] | Pass [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees	4,554	4,552
Other [Member] | Special Mention [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Other [Member] | Substandard [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees
Other [Member] | Doubtful [Member]
Loans and allowance for loan losses ("ALLL") [Line Items]
Loans, net of unearned income and deferred fees

LOANS_AND_ALLOWANCE_FOR_LOAN_L9

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of TDRs) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified	item	item
Accrual status
Number of loans, TDRs	31	29
TDRs arising during period Recorded Investment	$21,901	$21,753
Non-accrual Status
Number of loans, TDRs	5	5
TDRs arising during period Recorded Investment	3,007	3,016
Total
Number of loans, TDRs	36	34
TDRs arising during period Post-Modification Recorded Investment	24,908	24,769
Commercial Real Estate Construction [Member]
Accrual status
Number of loans, TDRs	2	2
TDRs arising during period Recorded Investment	351	355
Non-accrual Status
Number of loans, TDRs
TDRs arising during period Recorded Investment
Total
Number of loans, TDRs	2	2
TDRs arising during period Post-Modification Recorded Investment	351	355
Commercial Real Estate Owner Occupied [Member]
Accrual status
Number of loans, TDRs	4	4
TDRs arising during period Recorded Investment	4,748	4,760
Non-accrual Status
Number of loans, TDRs
TDRs arising during period Recorded Investment
Total
Number of loans, TDRs	4	4
TDRs arising during period Post-Modification Recorded Investment	4,748	4,760
Commercial Real Estate Other [Member]
Accrual status
Number of loans, TDRs	2	2
TDRs arising during period Recorded Investment	223	224
Non-accrual Status
Number of loans, TDRs	2	2
TDRs arising during period Recorded Investment	2,830	2,830
Total
Number of loans, TDRs	4	4
TDRs arising during period Post-Modification Recorded Investment	3,053	3,054
Faith Based Non-Profit Owner Occupied [Member]
Accrual status
Number of loans, TDRs	20	20
TDRs arising during period Recorded Investment	16,432	16,391
Non-accrual Status
Number of loans, TDRs	1	1
TDRs arising during period Recorded Investment	22	22
Total
Number of loans, TDRs	21	21
TDRs arising during period Post-Modification Recorded Investment	16,454	16,413
Faith Based Non-Profit Other [Member]
Accrual status
Number of loans, TDRs
TDRs arising during period Recorded Investment
Non-accrual Status
Number of loans, TDRs
TDRs arising during period Recorded Investment
Total
Number of loans, TDRs
TDRs arising during period Post-Modification Recorded Investment
Residential Real Estate First Mortgage [Member]
Accrual status
Number of loans, TDRs	3	1
TDRs arising during period Recorded Investment	147	23
Non-accrual Status
Number of loans, TDRs	2	2
TDRs arising during period Recorded Investment	155	164
Total
Number of loans, TDRs	5	3
TDRs arising during period Post-Modification Recorded Investment	$302	$187

Recovered_Sheet1

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Details of TDR Loans that were Restructured and Loans Modified as TDRs) (Details) (USD $)	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2015	Mar. 31, 2014
	item		item
Below Market Interest Rate
Number of loans, TDRs	2		2
Pre-modification Outstanding Recorded Investment	$129		$129	$3,100
Post-modification Outstanding Recorded Investment	125
Residential Real Estate First Mortgage [Member]
Below Market Interest Rate
Number of loans, TDRs	2
Pre-modification Outstanding Recorded Investment	129
Post-modification Outstanding Recorded Investment	$125

Recovered_Sheet2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Narrative) (Details) (USD $)	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014
	item	item	item		item
Loans and allowance for loan losses ("ALLL") [Line Items]
Net charge-offs/(recoveries)	($6)	$7
Net Charge-offs/(recoveries), percentage	-0.01%	0.02%		0.06%
Concentration risk - percentage of financing receivables in faith-based non-profit organizations	54.54%
Concentration risk - percentage of reserve allocated to faith-based non-profit organizations	41.79%
Reserve for unfunded commitments	38		38	34
Change in loans				375
Number of loans on nonaccrual status		1			1
Non-accrual Loans	7,260	2,600	7,260	5,920	2,600
Number of loans, TDRs	2		2
Pre-modification Outstanding Recorded Investment	$129		$129		$3,100

OTHER_REAL_ESTATE_OWNED_OREO_D

OTHER REAL ESTATE OWNED (bOREOb) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
OTHER REAL ESTATE OWNED ("OREO") [Abstract]
OREO	$2,772,000	$3,069,000
Residential real estate foreclosed properties	855,000
Consumer mortgage loans collateralized by residential real estate property	$2,000,000

BORROWINGS_Narrative_Details

BORROWINGS (Narrative) (Details) (USD $)	3 Months Ended	12 Months Ended
In Millions, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
BORROWINGS [Abstract]
FHLB advances, maturing fully in 2020	$0.70	$0.70
Federal Home Loan Bank interest rate	0.50%	0.50%
Capital leases	0.2	0.1
Capital lease interest rate	1.76%	1.60%
Federal funds lines of credit	10	10
Federal funds unused funds	$6.10	$6.60

COMMITMENTS_AND_CONTINGENCIES_1

COMMITMENTS AND CONTINGENCIES (Details) (USD $)	Mar. 31, 2015
In Thousands, unless otherwise specified
Commitments and contingencies [LineItems]
Guarantee Obligations less than 1 year	$13,019
Guarantee Obligations 1 to 3 years	5,544
Guarantee Obligations 3 to 5 years	2,508
Guarantee Obligations more than 5 years	1,446
Obligations to extend credit	22,517
Commerical Letters of Credit [Member]
Commitments and contingencies [LineItems]
Guarantee Obligations less than 1 year	177
Guarantee Obligations 1 to 3 years	250
Guarantee Obligations 3 to 5 years
Guarantee Obligations more than 5 years	93
Obligations to extend credit	520
Other Commercial Loan Commitments [Member]
Commitments and contingencies [LineItems]
Guarantee Obligations less than 1 year	12,842
Guarantee Obligations 1 to 3 years	5,294
Guarantee Obligations 3 to 5 years	2,508
Guarantee Obligations more than 5 years	1,353
Obligations to extend credit	$21,997

FAIR_VALUE_MEASUREMENT_Schedul

FAIR VALUE MEASUREMENT (Schedule of Assets Measured at Fair Value on Recurring Basis) (Details) (Fair Value Measured on a Recurring Basis [Member], USD $)	Mar. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Fair value measurement [Line Items]
Fair value of assets	$74,681	$69,725
Mortgage Servicing Rights [Member]
Fair value measurement [Line Items]
Fair value of assets	21	22
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value measurement [Line Items]
Fair value of assets
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Mortgage Servicing Rights [Member]
Fair value measurement [Line Items]
Fair value of assets
Significant Other Observable Inputs (Level 2) [Member]
Fair value measurement [Line Items]
Fair value of assets	74,660	69,703
Significant Other Observable Inputs (Level 2) [Member] | Mortgage Servicing Rights [Member]
Fair value measurement [Line Items]
Fair value of assets
Significant Unobservable Inputs (Level 3) [Member]
Fair value measurement [Line Items]
Fair value of assets	21	22
Significant Unobservable Inputs (Level 3) [Member] | Mortgage Servicing Rights [Member]
Fair value measurement [Line Items]
Fair value of assets	21	22	25
U.S. Agencies Debt Securities [Member]
Fair value measurement [Line Items]
Fair value of assets	29,415	12,339
U.S. Agencies Debt Securities [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value measurement [Line Items]
Fair value of assets
U.S. Agencies Debt Securities [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value measurement [Line Items]
Fair value of assets	29,415	12,339
U.S. Agencies Debt Securities [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value measurement [Line Items]
Fair value of assets
Mortgage-backed Securities [Member]
Fair value measurement [Line Items]
Fair value of assets	44,230	56,355
Mortgage-backed Securities [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value measurement [Line Items]
Fair value of assets
Mortgage-backed Securities [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value measurement [Line Items]
Fair value of assets	44,230	56,355
Mortgage-backed Securities [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value measurement [Line Items]
Fair value of assets
Non-Government Mortgage-backed Securities [Member]
Fair value measurement [Line Items]
Fair value of assets	1,015	1,009
Non-Government Mortgage-backed Securities [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value measurement [Line Items]
Fair value of assets
Non-Government Mortgage-backed Securities [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value measurement [Line Items]
Fair value of assets	1,015	1,009
Non-Government Mortgage-backed Securities [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value measurement [Line Items]
Fair value of assets

FAIR_VALUE_MEASUREMENT_Schedul1

FAIR VALUE MEASUREMENT (Schedule of Change in All Recurring Level 3 Assets) (Details) (Fair Value Measured on a Recurring Basis [Member], USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
Fair value measurement [Line Items]
Balance ending	$74,681	$69,725
Significant Unobservable Inputs (Level 3) [Member]
Fair value measurement [Line Items]
Balance ending	21	22
Mortgage Servicing Rights [Member]
Fair value measurement [Line Items]
Balance ending	21	22
Mortgage Servicing Rights [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value measurement [Line Items]
Balance beginning	22	25
Amortization	1	3
Balance ending	$21	$22

FAIR_VALUE_MEASUREMENT_Schedul2

FAIR VALUE MEASUREMENT (Schedule of Assets Measured at Fair Value on Nonrecurring Basis and Quantitative Information about Level 3 Fair Value Measurements) (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
Non-Recurring Fair Value Measurements
OREO	2,772	3,069
Other Real Estate Owned- Fair Value [Member]
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%
Impaired Loans [Member]
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%
Fair Value Measured on a Non-Recurring Basis [Member]
Non-Recurring Fair Value Measurements
OREO	2,772	3,069
Impaired Loans - Commercial Real Estate	8,978	9,060
Impaired Loans - Faith-based non-profit	16,264	17,119
Impaired Loans - Residential real estate	3,843	4,214
Impaired Loans - Consumer	2
Total Fair Value, non-recurring	31,859	33,462
Fair Value Measured on a Non-Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Non-Recurring Fair Value Measurements
OREO
Impaired Loans - Commercial Real Estate
Impaired Loans - Faith-based non-profit
Impaired Loans - Residential real estate
Impaired Loans - Consumer
Total Fair Value, non-recurring
Fair Value Measured on a Non-Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member]
Non-Recurring Fair Value Measurements
OREO
Impaired Loans - Commercial Real Estate
Impaired Loans - Faith-based non-profit
Impaired Loans - Residential real estate
Impaired Loans - Consumer
Total Fair Value, non-recurring
Fair Value Measured on a Non-Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member]
Non-Recurring Fair Value Measurements
OREO	2,772	3,069
Impaired Loans - Commercial Real Estate	8,978	9,060
Impaired Loans - Faith-based non-profit	16,264	17,119
Impaired Loans - Residential real estate	3,843	4,214
Impaired Loans - Consumer	2
Total Fair Value, non-recurring	31,859	33,462
Fair Value Measured on a Non-Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans [Member]
Non-Recurring Fair Value Measurements
Total Fair Value, non-recurring	29,087	30,393

FAIR_VALUE_MEASUREMENT_Schedul3

FAIR VALUE MEASUREMENT (Schedule of Carrying Amounts and Associated Estimated Fair Value of Financial Assets and Liabilities) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Assets:
Cash and cash equivalents	$32,810	$35,574	$26,317	$28,583
Investment securities available for sale, at fair value	74,660	69,703
Loans, net	169,251	171,648
Interest receivable	726	816
Liabilities:
Other borrowings	894	784
Carrying Amount [Member]
Assets:
Cash and cash equivalents	32,810	35,574
Investment securities available for sale, at fair value	74,660	69,703
Loans, net	169,251	171,648
Interest receivable	726	816
Liabilities:
Non-maturity deposits	122,162	119,383
Maturity deposits	133,549	136,477
Other borrowings	894	784
Accrued interest payable	81	76
Fair Value [Member]
Assets:
Cash and cash equivalents	32,810	35,574
Investment securities available for sale, at fair value	74,660	69,703
Loans, net	172,915	175,165
Interest receivable	726	816
Liabilities:
Non-maturity deposits	122,162	119,383
Maturity deposits	132,871	135,965
Other borrowings	841	734
Accrued interest payable	81	76
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets:
Cash and cash equivalents	32,810	35,574
Investment securities available for sale, at fair value
Loans, net
Interest receivable	726	816
Liabilities:
Non-maturity deposits	122,162	119,383
Maturity deposits
Other borrowings
Accrued interest payable	81	76
Significant Other Observable Inputs (Level 2) [Member]
Assets:
Cash and cash equivalents
Investment securities available for sale, at fair value	74,660	69,703
Loans, net
Interest receivable
Liabilities:
Non-maturity deposits
Maturity deposits	132,871	135,965
Other borrowings
Accrued interest payable
Significant Unobservable Inputs (Level 3) [Member]
Assets:
Cash and cash equivalents
Investment securities available for sale, at fair value
Loans, net	172,915	175,165
Interest receivable
Liabilities:
Non-maturity deposits
Maturity deposits
Other borrowings	841	734
Accrued interest payable