Consolidated Statements of Financial Condition (USD $) In Thousands, unless otherwise specified	Mar. 31, 2013	Dec. 31, 2012
Assets
Cash	$ 13,464	$ 13,420
Federal funds sold	62,310	50,940
Cash and cash equivalents	75,774	64,360
Securities available-for-sale, at fair value	12,180	13,378
Loans receivable held for sale, at lower of cost or fair value	15,306	19,051
Loans receivable held for investment, net of allowance of $10,450 and $11,869	235,107	251,723
Accrued interest receivable	1,176	1,250
Federal Home Loan Bank (FHLB) stock	3,737	3,901
Office properties and equipment, net	2,597	2,617
Real estate owned	9,294	8,163
Bank owned life insurance	2,704	2,688
Investment in affordable housing limited partnership	1,473	1,528
Other assets	3,765	5,034
Total assets	363,113	373,693
Liabilities:
Deposits	247,648	257,071
FHLB advances	79,500	79,500
Junior subordinated debentures	6,000	6,000
Other borrowings	5,000	5,000
Accrued interest payable	2,171	1,941
Dividends payable	2,318	2,104
Advance payments by borrowers for taxes and insurance	332	711
Other liabilities	2,966	3,359
Total liabilities	345,935	355,686
Shareholders' Equity:
Preferred stock discount	(498)	(598)
Common stock, $.01 par value, authorized 8,000,000 shares at March 31, 2013 and December 31, 2012; issued 2,013,942 shares at March 31, 2013 and December 31, 2012; outstanding 1,917,422 shares at March 31, 2013 and December 31, 2012	20	20
Additional paid-in capital	10,115	10,095
Accumulated deficit	(8,919)	(7,988)
Accumulated other comprehensive income, net of taxes of $400 at March 31, 2013 and December 31, 2012	300	318
Treasury stock-at cost, 96,520 shares at March 31, 2013 and December 31, 2012	(1,234)	(1,234)
Total shareholders' equity	17,178	18,007
Total liabilities and shareholders' equity	363,113	373,693
Cumulative Preferred Stock | Series D Fixed Rate Cumulative Perpetual Preferred Stock
Shareholders' Equity:
Preferred Stock	8,963	8,963
Cumulative Preferred Stock | Series E Fixed Rate Cumulative Perpetual Preferred Stock
Shareholders' Equity:
Preferred Stock	5,974	5,974
Noncumulative preferred stock
Shareholders' Equity:
Preferred Stock	$ 2,457	$ 2,457