LOANS AND ALLL (Tables)

12 Months Ended

Dec. 31, 2015

(Dollars in thousands)	December 31, 2015			December 31, 2014

Commercial	$	7,540		$	7,253
Commercial real estate:
Construction		9,618			2,557
Owner occupied		18,941			18,013
Other		15,481			19,493
Faith-based non-profit:
Construction		4,800			6,156
Owner occupied		78,228			84,499
Other		2,427			4,707
Residential real estate:
First mortgage		16,467			18,995
Multifamily		2,701			3,001
Home equity		3,249			4,124
Construction		122			506
Consumer		1,035			1,232
Other loans		4,240			4,552
Loans, net of deferred fees		164,849			175,088
ALLL		(3,435	)		(3,440	)
Loans, net of ALLL	$	161,414		$	171,648

Schedule of Allowance for Loan Losses

	December 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	$	—	$	303	$	261	$	67	$	—	$	—	$	—	$	631
Collectively evaluated for impairment		329		536		968		343		21		229		378		2,804
Total ending ALLL balance	$	329	$	839	$	1,229	$	410	$	21	$	229	$	378	$	3,435

Loans:
Loans individually evaluated for impairment	$	—	$	7,517	$	16,325	$	2,579	$	—	$	—	$	—	$	26,421
Loans collectively evaluated for impairment		7,540		36,523		69,130		19,960		1,035		4,240		—		138,428
Total ending loans balance	$	7,540	$	44,040	$	85,455	$	22,539	$	1,035	$	4,240	$	—	$	164,849

	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

	For the Year Ended December 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 year ended December 31, 2015
Charge-offs		(3	)		—		—			(7	)		(2	)		(18	)		—		(30	)
Recoveries		—			—		—			20			1			4			—		25
Provision for loan losses		(21	)		260		(5	)		(288	)		(6	)		(22	)		82		—
Total ending ALLL balances as of December 31, 2015	$	329		$	839	$	1,229		$	410		$	21		$	229		$	378	$	3,435

	For the Year Ended December 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 year ended December 31, 2014
Charge-offs		—		—			—			(78	)		(35	)		(21	)		—		(134	)
Recoveries		—		—			—			22			1			8			—		31
Provision for loan losses		169		(229	)		(649	)		248			43			172			296		50
Total ending ALLL balances as of December 31, 2014	$	353	$	579		$	1,234		$	685		$	28		$	265		$	296	$	3,440

Schedule of Impaired Loans

	December 31, 2015
							Interest
	Unpaid						Earned		Average
	Principal		Recorded		ALLL		For the		Recorded
(Dollars in thousands)	Balance		Investment		Allocated		Year		Investment

With no related allowance recorded:
Commercial	$	—	$	—	$	—	$	—	$	—
Commercial real estate:
Construction		—		—		—		—		137
Owner occupied		68		68		—		7		59
Other		2,813		2,815		—		85		3,685
Faith based non-profit:
Construction		—		—		—		—		—
Owner occupied		5,413		5,426		—		230		5,197
Other		—		—		—		—		—
Residential real estate:
First mortgage		1,926		1,898		—		24		2,211
Multifamily		—		—		—		—		—
Home equity		338		338		—		10		140
Construction		—		—		—		—		—
Consumer		—		—		—		—		1
Impaired loans with no allowance recorded	$	10,558	$	10,545	$	—	$	356	$	11,430

With an allowance recorded:
Commercial	$	—	$	—	$	—	$	—	$	1
Commercial real estate:
Construction		—		—		—		—		172
Owner occupied		4,637		4,677		303		190		4,712
Other		—		—		—		—		18
Faith based non-profit:
Construction		—		—		—		—		—
Owner occupied		10,912		10,983		261		567		11,583
Other		—		—		—		—		—
Residential real estate:
First mortgage		343		343		67		2		775
Multifamily		—		—		—		—		—
Home equity		—		—		—		—		39
Construction		—		—		—		—		—
Consumer		—		—		—		—		—
Impaired loans with allowance recorded	$	15,892	$	16,003	$	631	$	759	$	17,300
Total impaired loans	$	26,450	$	26,548	$	631	$	1,115	$	28,730

	December 31, 2014
							Interest
	Unpaid						Earned		Average
	Principal		Recorded		ALLL		For the		Recorded
(Dollars in thousands)	Balance		Investment		Allocated		Year		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
Total impaired loans	$	30,304	$	30,669	$	276	$	1,486	$	29,404

Schedule of Troubled Debt Restructurings

	TDR Modifications
	For the Year Ended December 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

Extended payment terms:
Residential real estate:
First mortgage		1		129		127
Total		3	$	258	$	252

	During the Years Ended
	December 31, 2015				December 31, 2014
	Default				Default
	Number of		Recorded		Number of		Recorded
(Dollars in thousands)	Loans		Investment		Loans		Investment

Below market interest rate and extended payment terms		—	$	—		—	$	—
Below market interest rate		1		66		—		—
Extended payment terms		—		—		—		—
Total		1	$	66		—	$	—

Schedule of non-accrual loans

					90 Days
					or More
					Past Due
December 31, 2105					Still
(Dollars in thousands)	Non-accrual		Number		Accruing		Number

Commercial	$	—		—	$	—		—
Commercial real estate:
Construction		—		—		—		—
Owner occupied		—		—		—		—
Other		2,513		2		—		—
Faith-based non-profit:
Construction		—		—		—		—
Owner occupied		15		1		356		3
Other		—		—		—		—
Residential real estate:
First mortgage		2,154		36		—		—
Multifamily		—		—		—		—
Home equity		338		5		—		—
Construction		—		—		—		—
Consumer		—		—		—		—
Other loans		—		—		—		—
Total	$	5,020		44	$	356		3

					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

(Dollars in thousands)	Amount		Number

Loans past due over 90 days still on accrual	$	356		3
Non-accrual loans past due
Less than 30 days	$	3,082		11
30-59 days		195		3
60-89 days		161		3
90+ days		1,582		27
Non-accrual loans	$	5,020		44

(Dollars in thousands)	Amount		Number

Loans past due over 90 days still on accrual	$	3,023		46
Non-accrual loans past due
Less than 30 days	$	721		11
30-59 days		485		6
60-89 days		59		1
90+ days		4,655		28
Non-accrual loans	$	5,920		46

Schedule of Past Due loans

					90 Days
December 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	$	—	$	—	$	—	$	—	$	7,540	$	7,540
Commercial real estate:
Construction		40		—		—		40		9,578		9,618
Owner occupied		397		—		—		397		18,544		18,941
Other		—		71		—		71		15,410		15,481
Faith-based non-profit:
Construction		—		—		—		—		4,800		4,800
Owner occupied		237		—		355		592		77,636		78,228
Other		—		—		—		—		2,427		2,427
Residential real estate:
First mortgage		688		161		1,377		2,226		14,241		16,467
Multifamily		17		—		—		17		2,684		2,701
Home equity		129		—		206		335		2,914		3,249
Construction		122		—		—		122		—		122
Consumer		—		—		—		—		1,035		1,035
Other loans		3		—		—		3		4,237		4,240
Total	$	1,633	$	232	$	1,938	$	3,803	$	161,046	$	164,849

					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

Loans by risk category

December 31, 2015
(Dollars in thousands)	Pass		Special Mention		Substandard		Doubtful		Total

Commercial	$	1,869	$	—	$	5,671	$	—	$	7,540
Commercial real estate:
Construction		9,618		—		—		—		9,618
Owner occupied		18,601		272		68		—		18,941
Other		11,720		394		3,367		—		15,481
Faith-based non-profit:
Construction		4,800		—		—		—		4,800
Owner occupied		61,836		7,243		9,149		—		78,228
Other		2,427		—		—		—		2,427
Residential real estate:
First mortgage		13,733		256		2,478		—		16,467
Multifamily		2,613		30		58		—		2,701
Home equity		3,070		—		179		—		3,249
Construction		122		—		—		—		122
Consumer		1,020		10		5		—		1,035
Other loans		4,240		—		—		—		4,240
Total	$	135,669	$	8,205	$	20,975	$	—	$	164,849

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