Consolidated Statements of Income and Comprehensive Income (Unaudited) (USD $) In Thousands, except Per Share data	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Interest income
Loans	$ 19,558	$ 24,589	$ 63,489	$ 75,350
Loans held for sale	163	109	270	248
Available for sale securities	3,323	3,235	9,264	8,716
Federal Home Loan Bank stock dividends	264	297	858	891
Other interest earning assets	13	10	35	25
Total interest income	23,321	28,240	73,916	85,230
Interest expense
Deposits	5,972	7,528	18,384	25,254
Federal Home Loan Bank advances	793	984	2,414	2,707
Repurchase agreements and other	931	942	2,781	2,796
Total interest expense	7,696	9,454	23,579	30,757
Net interest income	15,625	18,786	50,337	54,473
Provision for loan losses	11,836	17,116	22,272	39,876
Net interest income after provision for loan losses	3,789	1,670	28,065	14,597
Non-interest income
Non-deposit investment income	389	388	1,050	1,300
Service fees and other charges	203	1,563	3,244	3,738
Net gains (losses):
Securities available for sale	1,958	781	3,500	7,295
Other -than-temporary loss in equity securities
Total impairment loss	(35)	(44)	(73)	(44)
Loss recognized in other comprehensive income	0	0	0	0
Net impairment loss recognized in earnings	(35)	(44)	(73)	(44)
Mortgage banking income	682	1,419	4,432	2,456
Real estate owned and other repossessed assets	(2,627)	(1,273)	(4,981)	(4,512)
Gain on sale of retail branch				1,387
Other income	1,346	1,281	4,032	3,800
Total non-interest income	1,916	4,115	11,204	15,420
Non-interest expense
Salaries and employee benefits	7,927	7,568	23,297	24,847
Occupancy	854	850	2,615	2,693
Equipment and data processing	1,592	1,562	4,910	4,949
Franchise tax	370	498	1,241	1,512
Advertising	204	205	466	574
Amortization of core deposit intangible	33	43	106	136
Deposit insurance premiums	1,111	1,391	3,573	4,311
Professional fees	1,290	948	2,545	2,921
Real estate owned and other repossessed asset expenses	361	1,027	2,125	2,658
Other expenses	827	1,608	6,089	5,358
Total non-interest expenses	14,569	15,700	46,967	49,959
Loss before income taxes	(8,864)	(9,915)	(7,698)	(19,942)
Income tax expense (benefit)	0	0	0	0
Net loss	(8,864)	(9,915)	(7,698)	(19,942)
Net loss	(8,864)	(9,915)	(7,698)	(19,942)
Other comprehensive income
Unrealized gains (losses) on securities, net	8,218	(1,569)	13,919	(1,488)
Comprehensive income (loss)	$ (646)	$ (11,484)	$ 6,221	$ (21,430)
Loss per share
Basic	$ (0.29)	$ (0.32)	$ (0.25)	$ (0.66)
Diluted	$ (0.29)	$ (0.32)	$ (0.25)	$ (0.66)