Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010
Cash flows from operating activities
Net income (loss)	$ 7,162,000	$ (8,363,000)
Adjustments to reconcile net income (loss) to net cash from operating activities
Depreciation and amortization	1,694,000	1,875,000
Provision for loan losses	5,000,000	25,000,000
Stock-based compensation expense	66,000	378,000
Proceeds from sales of mortgage loans held for sale	29,603,000	35,800,000
Origination of mortgage loans held for sale	(31,349,000)	(38,878,000)
Net gain from sales of mortgage loans held for sale	(338,000)	(425,000)
Gain from sale of commercial loans	0	(324,000)
Net gain from sale of held to maturity securities	0	(476,000)
Net loss from sale and valuation write-down of foreclosed assets	1,318,000	3,067,000
Recognition of unrealized gain on interest rate swaps	0	(99,000)
Earnings on bank owned life insurance	(1,340,000)	(1,310,000)
Net change in:
Accrued interest receivable	1,055,000	945,000
Other assets	2,599,000	899,000
Accrued expenses and other liabilities	173,000	(1,784,000)
Net cash from operating activities	15,643,000	16,305,000
Cash flows from investing activities
Loan originations and payments, net	149,809,000	170,466,000
Purchases of:
Securities available for sale	(3,072,000)	(71,526,000)
Proceeds from:
Maturities, calls and repayments of available for sale securities	55,179,000	84,491,000
Sales of held to maturity securities	0	20,452,000
Redemption of Federal Home Loan Bank stock	2,384,000	0
Proceeds from sales of commercial loans	0	7,395,000
Proceeds from sales of foreclosed assets	7,921,000	9,271,000
Purchases of premises and equipment, net	(222,000)	(84,000)
Net cash from investing activities	211,999,000	220,465,000
Cash flows from financing activities
Net decrease in time deposits	(133,202,000)	(190,595,000)
Net increase in all other deposits	44,703,000	140,832,000
Net increase (decrease) in securities sold under agreements to repurchase	(47,639,000)	16,486,000
Net decrease in federal funds purchased	0	(2,600,000)
Maturities and prepayments of Federal Home Loan Bank advances	(20,000,000)	(45,000,000)
Maturities of wholesale repurchase agreements	(10,000,000)	(5,000,000)
Net decrease in other borrowed money	(90,000)	(59,000)
Proceeds from stock option exercises	55,000	0
Employee stock purchase plan	30,000	35,000
Dividend reinvestment plan	6,000	2,000
Payment of cash dividends on preferred stock	0	(525,000)
Payment of cash dividends on common shares	0	(85,000)
Net cash for financing activities	(166,137,000)	(86,509,000)
Net change in cash and cash equivalents	61,505,000	150,261,000
Cash and cash equivalents at beginning of period	64,198,000	21,735,000
Cash and cash equivalents at end of period	125,703,000	171,996,000
Cash paid during the period for:
Interest	15,503,000	26,741,000
Federal income tax	0	0
Noncash financing and investing activities:
Transfers from loans to foreclosed assets	9,851,000	7,626,000
Preferred stock cash dividend accrued	$ 1,488,000	$ 398,000