Consolidated Statements of Cash Flows (USD $) In Thousands, unless otherwise specified	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
Cash flows from operating activities:
Net earnings (loss) for the period	$ 1,379	$ (648)
Adjustments to reconcile net earnings to net cash provided by (used in) operating activities:
Amortization of deferred loan origination fees	(115)	(256)
Amortization of premiums and discounts on investment and mortgage-backed securities - net	21	(56)
Amortization of mortgage servicing rights - net	946	879
Depreciation and amortization	1,042	922
Provision for losses on loans	1,599	3,038
Stock based compensation expense	287	289
Provisions for losses on REO	910	627
(Gain) / loss on sale of real estate acquired through foreclosure	(99)	423
(Gain) on sale of investments	(1)	(1,267)
(Gain) on sale of loans	(1,714)	(129)
(Gain) / loss on sale of assets	3	(14)
Loans originated for sale in the secondary market	(77,424)	(51,557)
Proceeds from sale of loans in the secondary market	80,887	43,449
Net increase in cash surrender value of life insurance	(504)	(529)
Increase (decrease) in cash due to changes in:
Accrued interest receivable	203	491
Prepaid expenses and other assets	202	(509)
Accrued interest and other liabilities	728	(446)
Net cash provided by (used in) operating activities	8,350	(5,293)
Cash flows provided by (used in) investing activities:
Principal repayments, maturities on securities held to maturity	2,141	452
Principal repayments, maturities on securities available for sale	14,506	7,602
Purchases of investment securities designated as available for sale	(76,166)	(15,395)
Proceeds from sale of investments	8	27,205
Redemption of FHLB Stock	0	20,000
Loan principal repayments	207,291	153,194
Loan disbursements and purchased loans	(154,659)	(132,695)
Proceeds from sale of office premises and equipment	19	1,081
Proceed from surrender of life insurance	0	199
Additions to office premises and equipment	(485)	(847)
Proceeds from sale of real estate acquired through foreclosure	2,862	6,205
Net cash provided by (used in) investing activities	(4,483)	67,001
Net cash provided by operating and investing activities balance carried forward	3,867	61,708
Net cash provided by operating and investing activities (balance brought forward)	3,867	61,708
Cash flows used in financing activities:
Net increase (decrease) in deposits	1,045	(27,489)
Proceeds from Federal Home Loan Bank advances and other borrowings	113,401	149,659
Repayment of Federal Home Loan Bank advances and other borrowings	(129,220)	(142,265)
Decrease in advances by borrowers for taxes and insurance	(547)	(1,020)
Net cash used in financing activities	(15,321)	(21,115)
Increase (decrease) in cash and cash equivalents	(11,454)	40,593
Cash and cash equivalents at beginning of period	38,374	29,114
Cash and cash equivalents at end of period	26,920	69,707
Cash paid during the period for:
Interest on deposits and borrowings	6,015	8,074
Income taxes paid	25	475
Transfers from loans to real estate acquired through foreclosure	$ 4,671	$ 9,751