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CONSOLIDATED BALANCE SHEETS (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
ASSETS    
Cash and cash equivalents $ 25,152 $ 61,436
Interest-bearing deposits in other financial institutions 2,726 1,984
Securities available for sale 17,639 18,516
Loans held for sale, at fair value 623 1,210
Loans, net of allowance of $5,237 and $6,110 153,043 151,160
FHLB stock 1,942 1,942
Foreclosed assets, net 1,525 2,370
Premises and equipment, net 5,317 5,534
Assets held for sale 167 167
Other intangible assets 49 89
Bank owned life insurance 4,405 4,273
Accrued interest receivable and other assets 2,447 2,239
Total assets 215,035 250,920
LIABILITIES AND STOCKHOLDERS' EQUITY    
Noninterest bearing 18,008 18,409
Interest bearing 155,500 198,640
Total deposits 173,508 217,049
Long-term FHLB advances 10,000 15,742
Advances by borrowers for taxes and insurance 241 159
Accrued interest payable and other liabilities 2,488 2,871
Subordinated debentures 5,155 5,155
Total liabilities 191,392 240,976
Stockholders' equity    
Preferred stock, Series A, $.01 par value; aggregate liquidation value $7,691 in 2011 1,000,000 shares authorized; 7,225 shares issued in 2011   7,120
Common stock, $.01 par value, shares authorized; 50,000,000 in 2012 and 2011 shares issued; 15,936,417 in 2012 and 937,417 in 2011 159 9
Additional paid-in capital 47,919 27,837
Accumulated deficit (21,297) (22,163)
Accumulated other comprehensive income 107 386
Treasury stock, at cost; 111,707 shares (3,245) (3,245)
Total stockholders' equity 23,643 9,944
Total liabilities and stockholder's equity $ 215,035 $ 250,920