Consolidated Statements of Cash Flows (USD $) In Thousands, unless otherwise specified	9 Months Ended
Sep. 30, 2012	Sep. 30, 2011
Cash flows from operating activities:
Net income (loss)	$ 2,710	$ (1,624)
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Provision for loan losses	600	5,666
Loss on sale of other real estate owned	10	0
Writedown of other real estate owned	130	1,252
Depreciation and amortization	1,516	1,588
Stock based compensation	290	253
Gain on sale of investment securities	(774)	(640)
Impairment charges on investment securities	31	42
Amortization of premiums/(discounts) on investment securities	269	45
Proceeds from sales of SBA loans	35,358	47,046
SBA loans originated for sale	(32,185)	(44,099)
Gains on sales of SBA loans originated for sale	(3,337)	(4,337)
Increase in value of bank owned life insurance	(55)	(106)
Increase in accrued interest receivable and other assets	(249)	(831)
(Decrease) increase in accrued interest payable and other liabilities	(38)	987
Net cash provided by operating activities	4,276	5,242
Cash flows from investing activities:
Purchase of investment securities available for sale	(60,910)	(55,466)
Proceeds from the sale of securities available for sale	22,590	34,277
Proceeds from maturity or call of securities available for sale	22,274	13,292
Proceeds from maturity or call of securities held to maturity	74	8
Proceeds from redemption of FHLB stock	952	907
Net increase in loans	(37,845)	(19,024)
Net proceeds from sale of other real estate owned	334	1,010
Premises and equipment expenditures	(424)	(464)
Net cash used in investing activities	(52,955)	(25,460)
Cash flow from financing activities:
Net increase in demand, money market and savings deposits	339	71,293
Net (decrease) increase in time deposits	(84,757)	4,266
Net cash (used in) provided by financing activities	(84,418)	75,559
Net (decrease) increase in cash and cash equivalents	(133,097)	55,341
Cash and cash equivalents, beginning of year	230,955	35,865
Cash and cash equivalents, end of period	97,858	91,206
Supplemental disclosures:
Interest paid	5,363	5,847
Non-cash transfers from loans to other real estate owned	$ 1,307	$ 1,013

The sum of the periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings. This is called accretion if the security was purchased at a discount and amortization if it was purchased at premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by or used in operations using the indirect method.

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-URI http://asc.fasb.org/extlink&oid=6943989&loc=d3e3602-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Statement of Financial Accounting Standard (FAS)

-Number 95

-Paragraph 28

-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.