CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Cash flows from operating activities
Net income (loss)	$ (15,248)	$ 1,642	$ 1,451
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	17,725	4,293	3,360
Depreciation and amortization expense	718	746	806
Loss on sale of assets	0	0	2
Net loss on foreclosed assets	(40)	30	0
Gain on sale of loans	(2,017)	(1,342)	(533)
Loans originated for sale	(81,399)	(64,469)	(36,897)
Proceeds from sale of loans	83,648	62,899	37,510
Settlement from private mortgage insurance	0	74	0
Net amortization from investments	268	186	90
Amortization of intangible assets	20	34	34
Provision (benefit) for deferred taxes	2,475	(120)	(464)
Net gain on investment securities	0	(86)	(11)
Other than temporary impairment charge	0	20	0
Stock-based compensation	239	273	424
Net change in:
Accrued income receivable	171	47	95
Deferred loan fees	(165)	(70)	(82)
Cash surrender value of life insurance	(298)	(308)	(327)
Other assets	353	445	(430)
Other liabilities	(2,606)	1,006	729
Net cash provided by operating activities	3,844	5,300	5,757
Cash flows from investing activities
Proceeds from maturities and repayments of available-for-sale securities	9,694	5,563	7,548
Proceeds from sale of available-for-sale securities	300	1,375	7,775
Proceeds from maturities of held-to-maturity securities	3,172	2,156	1,016
Purchase of available-for-sale securities	(4,216)	0	(8,996)
Purchase of held-to-maturity securities	(7,380)	(13,147)	(14,945)
Loan originations net of principal payments	31,059	1,516	(4,260)
Purchase of premises and equipment	(562)	(841)	(488)
Proceeds from the sale of foreclosed assets	910	261	323
Net cash provided (used) by investing activities	32,977	(3,117)	(12,027)
Cash flows from financing activities
Net change in time deposits	(28,334)	(34,694)	7,501
Net change in other deposit accounts	20,349	39,706	17,442
Advances in borrowed funds	0	4,800	24,900
Repayment of borrowed funds	(22,800)	(36,428)	(41,548)
Net change in mortgagors' escrow accounts	(127)	(77)	(56)
Change in short-term borrowings	(147)	(396)	509
Proceeds from common stock offering, net of offering costs	0	31,331	0
Purchase of shares by employee stock option plan pursuant to reorganization	0	(2,003)	0
Common stock repurchased	(7)	(2)	(44)
Cash dividends to common stockholders	(595)	(614)	(317)
Net cash (used) provided by financing activities	(31,661)	1,623	8,387
Increase in cash and cash equivalents	5,160	3,806	2,117
Cash and cash equivalents at beginning of year	18,069	14,263	12,146
Cash and cash equivalents at end of year	23,229	18,069	14,263
Supplemental disclosures
Interest	5,556	8,312	10,318
Income taxes	151	1,251	1,450
Non-cash investing activities:
Transfer of loans to foreclosed assets	$ 732	$ 817	$ 604