Income Taxes	9 Months Ended
Sep. 30, 2012
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes The tax provision for federal income taxes was $1.4 million for the third quarter of 2012, compared to a tax benefit for federal income taxes of $3.3 million for the same period in 2011. The effective tax rate was 41% for the quarter ended September 30, 2012 and the effective tax benefit rate was 37% for the quarter ended September 30, 2011. The reason for the increase in the effective tax rate for the third quarter of 2012 over the previous two quarters was the $1.5 million paid during the third quarter of 2012 for a civil money penalty assessed against Metro Bank by the Federal Deposit Insurance Corporation (FDIC) which was not deductible for federal tax purposes. In addition, in 2011, the proportion of tax free income to the Company's earnings (loss) before taxes was higher; therefore a greater benefit was recognized. The Company's statutory tax rate was 34% in both the third quarters of 2012 and 2011. The tax provision for federal income taxes was $3.4 million for the first nine months of 2012, compared to a tax benefit for federal income taxes of $2.3 million for the same period in 2011. The effective tax rates were 31% and 52% for the nine months ended September 30, 2012 and September 30, 2011, respectively. In 2011, the proportion of tax free income to the Company's earnings (loss) before taxes was higher; therefore a greater benefit was recognized. The Company's statutory tax rate was 34% in both the first nine months of 2012 and the first nine months of 2011. At September 30, 2012, the Company had a net deferred tax asset of $3.0 million. An analysis was conducted to determine if a valuation allowance against its deferred tax assets was required. The Company used current forecasts of future expected income, possible tax planning strategies, current and future economic and business conditions (such as the possibility of a decrease in real estate value for properties the Bank holds as collateral on loans), the probability that taxable income will continue to be generated in future periods and the cumulative losses recorded in previous years to make the assessment. Management concluded that a valuation allowance was not necessary at September 30, 2012.

Income Taxes

9 Months Ended

Sep. 30, 2012

The tax provision for federal income taxes was $1.4 million for the third quarter of 2012, compared to a tax benefit for federal income taxes of $3.3 million for the same period in 2011. The effective tax rate was 41% for the quarter ended September 30, 2012 and the effective tax benefit rate was 37% for the quarter ended September 30, 2011. The reason for the increase in the effective tax rate for the third quarter of 2012 over the previous two quarters was the $1.5 million paid during the third quarter of 2012 for a civil money penalty assessed against Metro Bank by the Federal Deposit Insurance Corporation (FDIC) which was not deductible for federal tax purposes. In addition, in 2011, the proportion of tax free income to the Company's earnings (loss) before taxes was higher; therefore a greater benefit was recognized. The Company's statutory tax rate was 34% in both the third quarters of 2012 and 2011.

The tax provision for federal income taxes was $3.4 million for the first nine months of 2012, compared to a tax benefit for federal income taxes of $2.3 million for the same period in 2011. The effective tax rates were 31% and 52% for the nine months ended September 30, 2012 and September 30, 2011, respectively. In 2011, the proportion of tax free income to the Company's earnings (loss) before taxes was higher; therefore a greater benefit was recognized. The Company's statutory tax rate was 34% in both the first nine months of 2012 and the first nine months of 2011.

At September 30, 2012, the Company had a net deferred tax asset of $3.0 million. An analysis was conducted to determine if a valuation allowance against its deferred tax assets was required. The Company used current forecasts of future expected income, possible tax planning strategies, current and future economic and business conditions (such as the possibility of a decrease in real estate value for properties the Bank holds as collateral on loans), the probability that taxable income will continue to be generated in future periods and the cumulative losses recorded in previous years to make the assessment. Management concluded that a valuation allowance was not necessary at September 30, 2012.