Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
ASSETS
Cash and cash equivalents	$ 30,184	$ 19,160
Interest-bearing deposits in other financial institutions	742	1,982
Securities available for sale	8,143	9,672
Loans held for sale, at fair value	5,861	3,285
Loans, net of allowance of $6,256 and $5,729	248,168	207,141
FHLB stock	1,942	1,942
Foreclosed assets, net	1,636	1,636
Premises and equipment, net	3,823	3,547
Bank owned life insurance	4,633	4,535
Accrued interest receivable and other assets	2,498	2,848
Total assets	307,630	255,748
Deposits
Noninterest bearing	33,012	27,652
Interest bearing	217,951	180,657
Total deposits	250,963	208,309
FHLB advances	14,500	10,000
Other secured borrowings		6,526
Advances by borrowers for taxes and insurance	212	575
Accrued interest payable and other liabilities	2,443	2,319
Subordinated debentures	5,155	5,155
Total liabilities	273,273	232,884
Commitments and Contingent Liabilities
Stockholders' equity
Common stock, $.01 par value, shares authorized; 50,000,000 shares issued; 15,935,417 in 2014 and 2013	159	159
Series B Preferred stock, $0.01 par value; 480,000 shares authorized; 480,000 issued at September 30, 2014 and 0 shares issued at December 31, 2013	3
Additional paid-in capital	59,651	48,067
Accumulated deficit	(22,278)	(22,215)
Accumulated other comprehensive income	67	98
Treasury stock, at cost; 111,707 shares	(3,245)	(3,245)
Total stockholders' equity	34,357	22,864
Total liabilities and stockholder's equity	$ 307,630	$ 255,748