Consolidated Statements of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Cash flows from operating activities:
Net income	$ 3,430	$ 1,813
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Loan loss provision recapture	(1,700)	(2,532)
Provision for losses on REO's	121	394
Depreciation	177	180
Net amortization of deferred loan origination costs	214	171
Net amortization of premiums on mortgage-backed securities	42	41
Amortization of investment in affordable housing limited partnership	144	144
Stock-based compensation expense		11
Earnings on bank owned life insurance	(46)	(49)
Originations of for-sale loans receivable	(57,635)
Proceeds from for-sale loans receivable	45,518
Net gain on sales of loans	(1,252)
Net gain on sale of REO's	(75)	(2)
Amortization of deferred gain on debt restructuring		(111)
Stock-based compensation - non-employee		25
Net change in accrued interest receivable	253	(66)
Net change in other assets	642	56
Net change in advance payments by borrowers for taxes and insurance	421	529
Net change in accrued expenses and other liabilities	679	555
Net cash provided by (used in) operating activities	(9,067)	1,159
Cash flows from investing activities:
Net change in loans receivable held for investment	(12,374)	(34,635)
Proceeds from sales of loans receivable transferred to held-for-sale	95,923
Principal repayments on loans receivable transferred to held-for-sale	544
Available-for-sale securities:
Prepayments and amortizations	2,197	1,960
Purchases		(10,463)
Proceeds from sales of REO	2,321	2,505
Redemption of FHLB stock	1,869
Purchase of FHLB stock	(188)
Additions to office properties and equipment	(88)	(213)
Net cash provided by (used in) investing activities	90,204	(40,846)
Cash flows from financing activities:
Net change in deposits	57,054	2,687
Proceeds from FHLB advances	21,000	8,000
Repayments of FHLB advances	(29,500)	(8,000)
Net cash provided by financing activities	48,554	2,687
Net change in cash and cash equivalents	129,691	(37,000)
Cash and cash equivalents at beginning of the period	20,790	58,196
Cash and cash equivalents at end of the period	150,481	21,196
Supplemental disclosures of cash flow information:
Cash paid for interest	2,866	2,801
Cash paid for income taxes	2	3
Supplemental disclosures of non-cash investing and financing activities:
Transfers of loans receivable held for investment to REO	843	3,313
Transfers of loans receivable held for investment to loans receivable held for sale	$ 91,562
Issuance of common stock for services		$ 25