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

	March 31, 2015
					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

	December 31, 2014
					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
March 31, 2015	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
December 31, 2014	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

	March 31, 2015
							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

	December 31, 2014
	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

	March 31, 2014
							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
December 31, 2014					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

March 31, 2015
(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

December 31, 2014
(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
	March 31, 2015
					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
	December 31, 2014
					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

March 31, 2015			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