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Consolidated Statements Of Cash Flows (USD $)
12 Months Ended
Dec. 31, 2011
Dec. 31, 2010
CASH FLOWS FROM OPERATING ACTIVITIES:    
Net loss $ (9,075,710) $ (3,306,075)
Less net loss attributable to noncontrolling interest 763 125,294
NET LOSS ATTRIBUTABLE TO USBI (9,074,947) (3,180,781)
Adjustments to reconcile net income to cash provided by operating activities:    
Depreciation 696,083 756,142
Provision for loan losses 18,802,128 19,130,555
Deferred income tax benefit (2,664,672) (5,176,607)
Amortization of goodwill 4,097,773  
Gain on sale of securities, net (2,549,963) (256,635)
Loss (gain) on sale of fixed assets, net (317,991) 236,697
Loss on sale of OREO 1,606,902 1,675,074
Impairment of OREO 6,389,774 3,537,982
Amortization of premium and discounts, net 715,045 749,419
Changes in assets and liabilities:    
Decrease (increase) in accrued interest receivable 1,152,645 (15,022)
Decrease (increase) in other assets 1,878,840 (2,677,079)
Decrease in accrued interest expense (1,445,179) (241,562)
(Decrease) increase in other liabilities (2,853,588) 1,883,726
Net cash provided by operating activities 16,432,850 16,421,909
CASH FLOWS FROM INVESTING ACTIVITIES:    
Purchase of investment securities available-for-sale (59,559,268) (29,437,836)
Proceeds from sales of investment securities available-for-sale 31,264,308 14,015,103
Proceeds from maturities and prepayments of securities available-for-sale 43,185,697 72,360,070
Proceeds from maturities and prepayments of securities, held-to-maturity 40,000 40,000
Proceeds from redemption of Federal Home Loan Bank stock 2,231,600 607,400
Proceeds from the sale of other real estate 7,216,804 6,902,153
Net change in loan portfolio (18,765,198) (17,118,134)
Net decrease in federal funds sold   4,545,000
Purchase of premises and equipment, net (500,898) (349,195)
Proceeds received from deconsolidation of limited partnership 5,009,907  
Net cash provided by investing activities 10,122,952 51,564,561
CASH FLOWS FROM FINANCING ACTIVITIES:    
Net (decrease) increase in customer deposits 23,543,027 (9,523,546)
Net (decrease) increase in short-term borrowings (614,646) 350,736
Proceeds from FHLB advances and other borrowings 10,000,000  
Repayment of FHLB advances and other borrowings (20,000,000) (55,000,000)
Proceeds from issuance of common stock 25,350  
Dividends paid (241,272) (2,653,988)
Purchase of treasury stock (3,109) (77,626)
Net cash provided by (used in) financing activities 12,709,350 (66,904,424)
NET INCREASE IN CASH AND CASH EQUIVALENTS 39,265,152 1,082,046
CASH AND CASH EQUIVALENTS, beginning of year 13,531,410 12,449,364
CASH AND CASH EQUIVALENTS, end of year $ 52,796,562 $ 13,531,410