CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
CASH FLOWS FROM OPERATING ACTIVITIES:
Net loss	$ (20,333)	$ (4,705)
Adjustments to reconcile net loss to net cash provided by (used in) operating activities:
Depreciation and amortization	1,757	1,021
Provision for loan losses	7,514	6,958
Gain on sale of loans	(1,510)	(409)
Loss on sale of other real estate owned	487	491
Loss on investments	0	50
Loss on premises and equipment	6	22
Gain on assets held for sale	(18)	0
Increase in cash surrender value of bank owned life insurance	(181)	(206)
Valuation allowance on other real estate owned	6,845	2,352
Valuation allowance on deferred tax assets	9,214	0
Deferred income taxes	0	973
Excess servicing rights	(86)	(91)
Restricted stock awards	1	1
Originations of loans held for sale	(23,055)	(10,340)
Proceeds from sales of loans held for sale	24,518	10,701
Net change in:
Accrued interest receivable and other assets	1,215	(7,591)
Other liabilities	942	254
Net cash provided by (used in) operating activities	7,316	(519)
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of investment securities available-for-sale	(21,255)	(22,857)
Purchase of investment securities held-to-maturity	(500)	(18,019)
Proceeds from maturities, calls and principal payments of investment securities available-for-sale	10,859	1,135
Proceeds from maturities, calls and principal payments of investment securities held-to-maturity	6,025	17,457
Net redemption of restricted investment securities	92	86
Net (increase) decrease in loans	(4,140)	22,460
Proceeds from sale of other real estate owned	8,370	2,069
Proceeds from sale of premises and equipment	25	20
Proceeds from sale of assets held for sale	5,911	0
Purchases of premises and equipment - net	(168)	(348)
Net cash provided by investing activities	5,219	2,003
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase (decrease) in deposits	2,144	(19,063)
Repayments of long-term advances from Federal Home Loan Bank	(10,000)	0
Net decrease in other borrowed funds	(80)	0
Proceeds from issuance of preferred stock	2,796	0
Proceeds from issuance of common stock	0	21
Net cash used in financing activities	(5,140)	(19,042)
Increase (decrease) in cash and cash equivalents	7,395	(17,558)
Cash and cash equivalents at beginning of year	34,411	51,969
Cash and cash equivalents at end of year	41,806	34,411
Supplemental disclosure of cash flows information:
Cash paid for income taxes	0	1,355
Cash paid for interest	5,980	6,976
Supplemental disclosure of noncash investing and financing activities:
Transfer of loans receivable to other real estate owned	$ 18,069	$ 17,622