INCOME TAXES (Details 2) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Deferred tax assets:
Allowance for credit losses	$ 4,298	$ 6,421
Reserve for off-balance sheet commitments	180	166
Net operating loss carry forward	14,430	3,367
Write-downs of other real estate owned	400	742
Deferred income	1,108	2,370
Accrued expenses	936	1,353
Loss on termination of cash flow hedge	0	540
Unrealized losses on interest rate caps	0	803
Unrealized losses on available-for-sale securities	296	0
Other	83	55
Total deferred tax assets	21,731	15,817
Deferred tax liabilities:
Depreciation	463	515
Purchase accounting adjustments	1,305	1,009
Deferred capital gain on branch sale	438	451
Deferred gains on interest rate swaps	0	169
Unrealized gains on available-for-sale securities	0	1,282
Other	435	208
Total deferred tax liabilities	2,641	3,634
Net deferred tax assets	$ 19,090	$ 12,183