Consolidated Statements of Cash Flows (unaudited) (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Cash flows from operating activities:
Net earnings for the period	$ 499	$ 413
Adjustments to reconcile net earnings to net cash provided by (used in) operating activities:
Amortization of deferred loan origination fees	(38)	(70)
Amortization of premiums and discounts on investment and mortgage-backed securities - net	(13)	10
Amortization of mortgage servicing rights - net	125	70
Depreciation and amortization	334	327
Provision for losses on loans	100	1,005
Stock based compensation expense	218	164
Provisions for losses on REO	228	100
Gain on sale of real estate acquired through foreclosure	(82)	0
Gain on sale of investments	(61)	0
Gain on sale of loans	(689)	(564)
Loss on sale of assets	0	3
Loans originated for sale in the secondary market	(27,302)	(23,711)
Proceeds from sale of loans in the secondary market	30,711	26,782
Net increase in cash surrender value of life insurance	(159)	(174)
Increase (decrease) in cash due to changes in:
Accrued interest receivable	182	136
Prepaid expenses and other assets	(917)	82
Accrued interest and other liabilities	(372)	126
Net cash provided by operating activities	2,764	4,699
Cash flows provided by (used in) investing activities:
Principal repayments, maturities on securities held to maturity	61	76
Principal repayments, maturities on securities available for sale	24,089	2,858
Purchases of investment securities designated as available for sale	(1,499)	(44,961)
Proceeds from sale of investments	24,031	0
Redemption of FHLB Stock	0	0
Loan principal repayments	75,750	68,498
Loan disbursements	(65,848)	(47,721)
Proceeds from sale of office premises and equipment	0	19
Additions to office premises and equipment	(406)	(233)
Proceeds from sale of real estate acquired through foreclosure	2,022	303
Net cash provided by (used in) investing activities	58,200	(21,161)
Net cash provided by (used in) operating and investing activities balance carried forward	60,964	(16,462)
Net cash provided by (used in) operating and investing activities (balance brought forward)	60,964	(16,462)
Cash flows used in financing activities:
Net increase (decrease) in deposits	(483)	21,594
Proceeds from Federal Home Loan Bank advances and other borrowings	19,223	26,537
Repayment of Federal Home Loan Bank advances and other borrowings	(19,462)	(28,893)
Net proceeds from exercised warrants	378	0
Decrease in advances by borrowers for taxes and insurance	(787)	(719)
Net cash provided by (used in) financing activities	(1,131)	18,519
Increase in cash and cash equivalents	59,833	2,057
Cash and cash equivalents at beginning of period	58,379	38,374
Cash and cash equivalents at end of period	118,212	40,431
Cash paid during the period for:
Interest on deposits and borrowings	1,305	2,187
Income taxes paid	0	0
Transfers from loans to real estate acquired through foreclosure	$ 1,043	$ 2,123