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Consolidated Statements of Cash Flows (Unaudited) (USD $)
 9 Months Ended
Sep. 30, 2012
Sep. 30, 2011
Cash flows from operating activities:    
Net income $ 619,000 $ 3,878,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for loan losses 7,900,000 5,643,000
Depreciation expense 1,446,000 1,443,000
Net amortization of debt securities, premiums, and discounts 851,000 620,000
Amortization of intangible assets 307,000 331,000
Stock based compensation expense 27,000 46,000
Change in fair value of mortgage servicing rights 985,000 0
Gain on sale of investment securities (26,000) 0
Gain on sales and dispositions of premises and equipment (82,000) (13,000)
(Gain) loss on sales and dispositions of other real estate owned and repossessions (220,000) 219,000
Provision for other real estate owned 1,821,000 661,000
(Increase) decrease in accrued interest receivable (126,000) 350,000
Increase in cash surrender value -life insurance (55,000) (44,000)
Decrease in other assets 679,000 310,000
(Increase) decrease in income tax receivable (1,714,000) 1,328,000
Decrease in accrued interest payable (370,000) (641,000)
Increase in other liabilities 823,000 1,268,000
Origination of mortgage loans for sale (67,089,000) (44,356,000)
Proceeds from the sale of mortgage loans 68,506,000 43,785,000
Gain on sale of mortgage loans, net (1,773,000) (894,000)
Decrease in net deferred tax asset 41,000 23,000
Other, net 3,000 36,000
Net cash provided by operating activities 12,553,000 13,993,000
Cash flows from investing activities:    
Net (increase) decrease in loans (20,929,000) 32,623,000
Purchase of available-for-sale debt securities (69,305,000) (93,071,000)
Proceeds from maturities of available-for-sale debt securities 32,192,000 26,129,000
Proceeds from calls of available-for-sale debt securities 33,095,000 44,184,000
Proceeds from sales of available-for-sale debt securities 790,000 0
Proceeds from sales of FHLB stock 100,000 1,753,000
Purchases of premises and equipment (1,155,000) (2,430,000)
Proceeds from sales of premises and equipment 269,000 47,000
Proceeds from sales of other real estate owned and repossessions 5,553,000 5,058,000
Net cash (used) provided by investing activities (19,390,000) 14,293,000
Cash flows from financing activities:    
Net increase in demand deposits 5,944,000 19,434,000
Net increase in interest-bearing transaction accounts 5,034,000 (3,492,000)
Net decrease in time deposits (12,791,000) (9,656,000)
Net decrease in federal funds purchased and securities sold under agreements to repurchase (407,000) (3,871,000)
Repayment of Federal Home Loan Bank advances (194,000) (38,494,000)
Redemption of 12,000 shares of preferred stock (12,000,000) 0
Cash dividends paid - preferred stock (975,000) (1,135,000)
Cash dividends paid - common stock (698,000) (671,000)
Net cash used by financing activities (16,087,000) (37,885,000)
Net decrease in cash and cash equivalents (22,924,000) (9,599,000)
Cash and cash equivalents, beginning of year 43,210,000 50,980,000
Cash and cash equivalents, end of year 20,286,000 41,381,000
Cash paid during the year for:    
Interest 6,724,000 9,181,000
Income taxes 1,575,000 665,000
Supplemental schedule of noncash investing and financing activities:    
Other real estate and repossessions acquired in settlement of loans $ 16,328,000 $ 9,996,000