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Consolidated Statements Of Operations (USD $)
In Thousands, except Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2011
Dec. 31, 2010
INTEREST AND DIVIDEND INCOME    
Loans including fees $ 41,176 $ 47,775
Federal funds sold 9 44
Interest-earning deposits with banks 184 12
Investments 301 111
Dividends on equity securities (restricted) 99 86
Total Interest and Dividend Income 41,769 48,028
INTEREST EXPENSE    
Demand 155 250
Savings 460 779
Time deposits below $100,000 4,768 7,000
Time deposits above $100,000 2,949 4,112
FHLB advances 644 1,057
Other borrowings 194 246
Trust Preferred Securities 436 454
Total Interest Expense 9,606 13,898
NET INTEREST INCOME 32,163 34,130
PROVISION FOR LOAN LOSSES (Note 7) 7,959 22,328
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 24,204 11,802
NONINTEREST INCOME    
Service charges 2,488 2,701
Fees, commissions and other income 2,096 2,248
Insurance and investment fees 600 523
Life insurance investment income 340 462
Total Noninterest Income 5,524 5,934
NONINTEREST EXPENSES    
Salaries and employee benefits (Note 14) 15,735 15,007
Occupancy and equipment expense 4,533 4,552
Advertising and public relations 445 412
Data processing and telecommunications 1,654 1,616
FDIC Assessment 2,014 2,422
Other real estate owned and repossessed vehicles, net 5,577 2,183
Impairment of goodwill 4,122  
Other operating expenses 5,342 5,702
Total Noninterest Expenses 39,422 31,894
LOSS BEFORE INCOME TAXES (9,694) (14,158)
INCOME TAX BENEFIT (Note 11) (784) (5,093)
NET LOSS $ (8,910) $ (9,065)
Loss Per Share    
Basic $ (0.89) $ (0.91)
Fully Diluted $ (0.89) $ (0.91)
Average Weighted Shares of Common Stock    
Basic 10,010,178 10,009,468
Fully Diluted 10,010,178 10,009,468