CONDENSED CONSOLIDATED BALANCE SHEETS (USD $) In Thousands, unless otherwise specified	Jun. 30, 2013	Dec. 31, 2012
ASSETS
Cash and due from financial institutions	$ 3,758	$ 7,490
Short-term interest-earning deposits	74,201	60,338
Total cash and cash equivalents	77,959	67,828
Securities available-for-sale	160,856	159,745
Portfolio loans, net of allowance of $10,029 in 2013 and $10,889 in 2012	386,285	421,201
Other loans:
Held-for-sale	2,217	4,089
Warehouse	60,653	68,479
Total other loans	62,870	72,568
Federal Home Loan Bank stock, at cost	5,879	7,260
Land, premises and equipment, net	14,279	14,584
Bank owned life insurance	15,960	15,764
Other real estate owned	12,861	8,065
Accrued interest receivable	1,971	2,035
Other assets	3,274	3,569
Total assets	742,194	772,619
LIABILITIES AND STOCKHOLDERS' EQUITY
Noninterest-bearing demand	43,889	41,904
Interest-bearing demand	73,240	73,490
Savings and money market	174,777	181,708
Time	210,238	202,658
Total deposits	502,144	499,760
Securities sold under agreements to repurchase	92,800	92,800
Federal Home Loan Bank advances	110,000	135,000
Accrued expenses and other liabilities	6,085	4,799
Total liabilities	711,029	732,359
Commitments and contingent liabilities
Preferred stock: $0.01 par value; 25,000,000 shares authorized, none issued and outstanding at June 30, 2013 and December 31, 2012	0	0
Common stock: $0.01 par value; 100,000,000 shares authorized, 2,629,061 issued and outstanding at June 30, 2013 and December 31, 2012	26	26
Additional paid-in capital	56,093	56,132
Common stock held by:
Employee stock ownership plan shares of 83,832 at June 30, 2013 and 86,227 at December 31, 2012	(1,821)	(1,873)
Benefit plans	(326)	(338)
Retained deficit	(17,966)	(14,373)
Accumulated other comprehensive income (loss)	(4,841)	686
Total stockholders' equity	31,165	40,260
Total liabilities and stockholders' equity	$ 742,194	$ 772,619