SmartFinancial (SMBK) 10-Q 14 Nov 13 2013 Q3 Quarterly report Financial data

Document_And_Entity_Informatio

Document And Entity Information	9 Months Ended
	Sep. 30, 2013	Nov. 07, 2013
Document Information [Line Items]	'	'
Entity Registrant Name	'CORNERSTONE BANCSHARES INC	'
Entity Central Index Key	'0001038773	'
Current Fiscal Year End Date	'--12-31	'
Entity Filer Category	'Smaller Reporting Company	'
Trading Symbol	'CSBQ	'
Entity Common Stock, Shares Outstanding	'	6,547,074
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	30-Sep-13	'
Document Fiscal Period Focus	'Q3	'
Document Fiscal Year Focus	'2013	'

Consolidated_Balance_Sheets

Consolidated Balance Sheets (USD $)	Sep. 30, 2013	Dec. 31, 2012
ASSETS	'	'
Cash and due from banks	$2,148,352	$3,222,139
Interest-bearing deposits at other financial institutions	19,106,638	56,173,099
Total cash and cash equivalents	21,254,990	59,395,238
Securities available for sale	95,282,416	76,096,646
Securities held to maturity (fair value $37,589 and $46,212 at September 30, 2013 and December 31, 2012, respectively)	36,620	45,086
Federal Home Loan Bank stock, at cost	2,322,900	2,322,900
Loans, net of allowance for loan losses of $3,158,766 and $6,141,281 at September 30, 2013 and December 31, 2012, respectively	281,021,767	270,850,465
Bank premises and equipment, net	5,094,668	5,399,340
Accrued interest receivable	1,221,841	1,213,778
Foreclosed assets	14,923,933	20,332,313
Other assets	8,522,148	7,790,634
Total assets	429,681,283	443,446,400
LIABILITIES AND STOCKHOLDERS' EQUITY	'	'
Noninterest-bearing demand deposits	54,452,293	60,053,838
Interest-bearing demand deposits	25,463,874	30,178,624
Savings deposits and money market accounts	90,665,979	80,994,239
Time deposits	170,174,142	173,653,892
Total deposits	340,756,288	344,880,593
Accrued interest payable	100,129	120,558
Federal funds purchased and securities sold under agreements to repurchase	20,508,655	19,587,387
Federal Home Loan Bank advances and other borrowings	26,740,000	37,175,000
Other liabilities	1,426,357	794,026
Total liabilities	389,531,429	402,557,564
Stockholders' equity:	'	'
Preferred stock - no par value; 2,000,000 shares authorized; 600,000 shares issued and outstanding in 2013 and 2012	14,875,081	14,821,546
Common stock - $1.00 par value; 20,000,000 shares authorized; 6,709,199 shares issued in 2013 and 2012; 6,547,074 and 6,500,396 shares outstanding in 2013 and 2012, respectively	6,547,074	6,500,396
Additional paid-in capital	21,517,620	21,390,486
Accumulated deficit	-3,110,707	-3,274,986
Accumulated other comprehensive income	320,786	1,451,394
Total stockholders' equity	40,149,854	40,888,836
Total liabilities and stockholders' equity	$429,681,283	$443,446,400

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets [Parenthetical] (USD $)	Sep. 30, 2013	Dec. 31, 2012
Securities held to maturity, fair value (in dollars)	$37,589	$46,212
Allowance for loan losses (in dollars)	$3,158,766	$6,141,281
Preferred stock, shares authorized	2,000,000	2,000,000
Preferred stock, shares issued	600,000	600,000
Preferred stock, shares outstanding	600,000	600,000
Common stock, par value (in dollars per share)	$1	$1
Common stock, shares authorized	20,000,000	20,000,000
Common stock, shares issued	6,709,199	6,709,199
Common stock, shares outstanding	6,547,074	6,500,396

Consolidated_Statements_of_Inc

Consolidated Statements of Income (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
INTEREST INCOME	'	'	'	'
Loans, including fees	$4,293,583	$4,241,492	$12,514,688	$12,571,193
Investment securities	457,299	478,172	1,379,322	1,563,433
Federal funds sold & other earning assets	9,510	15,647	45,515	44,075
Total interest income	4,760,392	4,735,311	13,939,525	14,178,701
INTEREST EXPENSE	'	'	'	'
Time deposits	445,397	612,286	1,365,993	1,946,341
Other deposits	117,327	144,157	386,791	398,859
Federal funds purchased and securities sold under agreements to repurchase	21,435	21,889	56,258	77,193
Federal Home Loan Bank advances and other borrowings	284,882	394,066	941,269	1,281,010
Total interest expense	869,041	1,172,398	2,750,311	3,703,403
Net interest income before provision for loan losses	3,891,351	3,562,913	11,189,214	10,475,298
Provision for loan losses	0	100,000	300,000	100,000
Net interest income after provision for loan losses	3,891,351	3,462,913	10,889,214	10,375,298
NONINTEREST INCOME	'	'	'	'
Customer service fees	218,304	197,509	608,087	602,107
Net gains from sale of securities	0	0	424,971	0
Net gains from sale of loans and other assets	39,164	48,199	240,746	124,109
Other noninterest income	12,500	12,944	48,968	51,844
Total noninterest income	269,968	258,652	1,322,772	778,060
NONINTEREST EXPENSE	'	'	'	'
Salaries and employee benefits	1,619,030	1,566,359	4,838,822	4,727,049
Net occupancy and equipment expense	333,850	354,555	1,011,335	1,038,296
Depository insurance	161,956	236,927	482,920	682,830
Foreclosed assets, net	381,847	314,088	1,308,995	945,163
Other operating expenses	967,888	731,090	2,500,107	2,307,172
Total noninterest expenses	3,464,571	3,203,019	10,142,179	9,700,510
Income before provision for income taxes	696,748	518,546	2,069,807	1,452,848
Provision for income taxes	268,200	154,300	793,100	421,500
Net income	428,548	364,246	1,276,707	1,031,348
Preferred stock dividend requirements	375,000	308,893	1,125,000	854,780
Accretion on preferred stock discount	17,845	16,370	53,535	46,079
Net income available to common shareholders	$35,703	$38,983	$98,172	$130,489
EARNINGS PER COMMON SHARE	'	'	'	'
Basic (in dollars per share)	$0.01	$0.01	$0.01	$0.02
Diluted (in dollars per share)	$0.01	$0.01	$0.01	$0.02
DIVIDENDS DECLARED PER COMMON SHARE (in dollars per share)	$0	$0	$0	$0

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Income (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Net income	$428,548	$364,246	$1,276,707	$1,031,348
Other comprehensive income, net of tax:	'	'	'	'
Unrealized holding (losses) gains arising during the period, net oftax benefit (expense)	-170,234	110,781	-867,126	308,452
Reclassification adjustment for gains included in net income, net of tax expense	'	'	-263,482	0
Total other comprehensive (loss) income	-170,234	110,781	-1,130,608	308,452
Comprehensive income	$258,314	$475,027	$146,099	$1,339,800

Consolidated_Statements_of_Com1

Consolidated Statements of Comprehensive Income (Parenthetical) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Unrealized holding (losses) gains arising during the period, tax benefit (expense)	$104,336	($67,898)	$531,464	($189,051)
Reclassification adjustment for gains included in net income, tax expense	'	'	$161,489	'

Consolidated_Statement_of_Chan

Consolidated Statement of Changes in Stockholders' Equity - Unaudited (USD $)	Total	Preferred Stock [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]
BALANCE at Dec. 31, 2012	$40,888,836	$14,821,546	$6,500,396	$21,390,486	($3,274,986)	$1,451,394
Stock compensation expense	96,793	0	0	96,793	0	0
Issuance of common stock, 46,678 shares	77,019	0	46,678	30,341	0	0
Preferred stock dividends	-1,058,893	0	0	0	-1,058,893	0
Accretion on preferred stock	0	53,535	0	0	-53,535	0
Net income	1,276,707	0	0	0	1,276,707	0
Unrealized holding gains (losses) on securities available for sale, net of reclassification adjustment and taxes	-1,130,608	0	0	0	0	-1,130,608
BALANCE at Sep. 30, 2013	$40,149,854	$14,875,081	$6,547,074	$21,517,620	($3,110,707)	$320,786

Consolidated_Statement_of_Chan1

Consolidated Statement of Changes in Stockholders' Equity - Unaudited [Parenthetical]	9 Months Ended
	Sep. 30, 2013
Stock Issued During Period Shares New Issues	46,678

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
CASH FLOWS FROM OPERATING ACTIVITIES	'	'
Net income	$1,276,707	$1,031,348
Adjustments to reconcile net income to net cash provided by operating activities:	'	'
Depreciation and amortization	295,836	418,721
Provision for loan losses	300,000	100,000
Stock compensation expense	96,793	55,536
Gains on sale of securities	-424,971	0
Net (gains) losses on sales of loans and other assets	-240,746	-124,109
Changes in other operating assets and liabilities:	'	'
Accrued interest receivable	-8,063	-24,021
Accrued interest payable	-20,429	25,378
Other assets and liabilities	1,509,377	2,469,965
Net cash provided by operating activities	2,784,504	3,952,818
CASH FLOWS FROM INVESTING ACTIVITIES	'	'
Securities available for sale	29,187,978	30,392,105
Securities held to maturity	8,354	16,904
Purchase of securities available for sale	-49,745,656	-26,098,797
Loan originations and principal collections, net	-11,836,658	-15,547,286
Purchase of bank premises and equipment	-17,734	-101,036
Proceeds from sale of other real estate and other assets	6,098,875	2,769,712
Net cash used in investing activities	-26,304,841	-8,568,398
CASH FLOWS FROM FINANCING ACTIVITIES	'	'
Net (decrease) / increase in deposits	-4,124,305	14,921,054
Net increase / (decrease)in federal funds purchased and securities sold under agreements to repurchase	921,268	-10,010,775
Net payments on Federal Home Loan Bank advances and other borrowings	-10,435,000	-5,870,000
Payment of dividends on preferred stock	-1,058,893	-705,886
Issuance of common stock	77,019	0
Issuance of preferred stock	0	2,230,029
Net cash (used in) provided by financing activities	-14,619,911	564,422
NET (DECREASE) IN CASH AND CASH EQUIVALENTS	-38,140,248	-4,051,158
CASH AND CASH EQUIVALENTS, beginning of period	59,395,238	38,882,691
CASH AND CASH EQUIVALENTS, end of period	21,254,990	34,831,533
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION	'	'
Cash paid during the period for interest	2,770,740	3,678,025
Cash paid during the period for taxes	755,820	943,327
NONCASH INVESTING AND FINANCING ACTIVITIES	'	'
Acquisition of real estate through foreclosure	$1,604,806	$7,399,290

Presentation_of_Financial_Info

Presentation of Financial Information	9 Months Ended
	Sep. 30, 2013
Organization, Consolidation and Presentation Of Financial Statements [Abstract]	'
Organization, Consolidation and Presentation of Financial Statements Disclosure and Significant Accounting Policies [Text Block]	'
	Note 1. Presentation of Financial Information
	Nature of Business-Cornerstone is a bank holding company whose primary business is performed by its wholly-owned subsidiary, Cornerstone Community Bank (the “Bank”).  The Bank provides a full range of banking services to the Chattanooga, Tennessee market.  The Bank has also established a loan production office (“LPO”) in Dalton, Georgia to further enhance the Bank’s lending markets.
	Interim Financial Information (Unaudited)-The financial information in this report for September 30, 2013 and September 30, 2012 has not been audited. The information included herein should be read in conjunction with the annual consolidated financial statements and footnotes thereto included in the 2012 Annual Report to Shareholders which was furnished to each shareholder of Cornerstone in April of 2013. The consolidated financial statements presented herein conform to U.S. generally accepted accounting principles and to general industry practices.  In the opinion of Cornerstone’s management, the accompanying interim financial statements contain all material adjustments, consisting only of normal recurring adjustments, necessary to present fairly the financial condition, the results of operations, and cash flows for the interim period. Results for interim periods are not necessarily indicative of the results to be expected for a full year.
	Use of Estimates-The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities as of the balance sheet date and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term include the determination of the allowance for loan losses, foreclosed assets and deferred tax assets.
	Consolidation-The accompanying consolidated financial statements include the accounts of Cornerstone and the Bank.   Substantially all intercompany transactions, profits and balances have been eliminated.
	Reclassification-Certain amounts in the prior consolidated financial statements have been reclassified to conform to the current period presentation.  The reclassifications had no effect on net income, total assets or stockholders’ equity as previously reported.
	Accounting Policies-During interim periods, Cornerstone follows the accounting policies set forth in its Annual Report on Form 10-K for the year ended December 31, 2012 as filed with the Securities and Exchange Commission.  Since December 31, 2012, there have been no significant changes in any accounting principles or practices, or in the method of applying any such principles or practices, except for the following:
	In February 2013, the Financial Accounting Standards Board (FASB) issued updated guidance related to disclosure of reclassification amounts out of other comprehensive income.  The standard requires that companies present either in a single note or parenthetically on the face of the financial statements, the effect of significant amounts reclassified from each component of accumulated other comprehensive income based on its source and the income statement line items affected by the reclassification.  The new requirements took effect for public companies in fiscal years, and interim periods within those years, beginning after December 15, 2012.  The Company adopted this standard on January 1, 2013. The effect of adopting this standard increased our disclosure requirements surrounding reclassification items out of accumulated other comprehensive income.
	Earnings per Common Share- Basic earnings per share (“EPS”) is computed by dividing income available to common shareholders (numerator) by the weighted average number of common shares outstanding during the period (denominator). Diluted EPS is computed by dividing income available to common shareholders (numerator) by the adjusted weighted average number of shares outstanding (denominator). The adjusted weighted average number of shares outstanding reflects the potential dilution occurring if securities or other contracts to issue common stock were exercised or converted into common stock resulting in the issuance of common stock that share in the earnings of the entity.
	The following is a summary of the basic and diluted earnings per share for the three and nine month periods ended September 30, 2013 and September 30, 2012.
		Three Months Ended September 30,
		2013		2012
	Basic earnings per common share calculation:
	Numerator: Net income available to common shareholders	$	35,703	$	38,983
	Denominator: Weighted avg. common shares outstanding		6,547,074		6,500,396
	Effect of dilutive stock options		145,508		3,758
	Diluted shares		6,692,582		6,504,154
	Basic earnings per common share	$	0.01	$	0.01
	Diluted earnings per common share	$	0.01	$	0.01
		Nine Months Ended September 30,
		2013		2012
	Basic earnings per common share calculation:
	Numerator: Net income available to common shareholders	$	98,172	$	130,489
	Denominator: Weighted avg. common shares outstanding		6,547,074		6,500,396
	Effect of dilutive stock options		127,453		59,090
	Diluted shares		6,674,527		6,559,486
	Basic earnings per common share	$	0.01	$	0.02
	Diluted earnings per common share	$	0.01	$	0.02
	For the three and nine months ended September 30, 2013, potential common shares of 503,075 were not included in the calculation of diluted earnings per share because the assumed exercise of such shares would be anti-dilutive.

Stock_Based_Compensation

Stock Based Compensation	9 Months Ended
	Sep. 30, 2013
Disclosure Of Compensation Related Costs, Share-Based Payments [Abstract]	'
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	'
	Note 2. Stock Based Compensation
	Accounting Policies- Cornerstone, as required by FASB, applies the fair value recognition provisions of ASC 718, Compensation –Stock Compensation.  As a result, for the nine month period ended September 30, 2013, the compensation cost charged to earnings related to the vested incentive stock options was approximately $97,000, which had no material impact on earnings per share.
	Officer and Employee Plans-Cornerstone has two stock option plans under which officers and employees can be granted incentive stock options or non-qualified stock options to purchase a total of up to 1,420,000 shares of Cornerstone’s common stock.  The exercise price for incentive stock options must be not less than 100 percent of the fair market value of the common stock on the date of the grant.  The exercise price of the non-qualified stock options may be equal to or more or less than the fair market value of the common stock on the date of the grant.  The incentive stock options vest 30 percent on the second anniversary of the grant date, 60 percent on the third anniversary of the grant date and 100 percent on the fourth anniversary of the grant date, and the non-qualified stock options vest 50 percent on the first anniversary of the grant date and 100 percent on the second anniversary of the grant date.  The options expire ten years from the grant date.  At September 30, 2013, the total remaining compensation cost to be recognized on non-vested options is approximately $519,000.  A summary of the status of these stock option plans is presented in the following table:
						Weighted-
						Average
				Weighted		Contractual
				Average		Remaining	Aggregate
				Exercisable		Term	Intrinsic
		Number		Price		(in years)	Value
	Outstanding at December 31, 2012	670,300		$	3.86	6.2 Years	$	232,900
	Granted	203,000			2.37	9.4 Years
	Exercised	-			-
	Forfeited	-57,475			-3.51
	Outstanding at September 30, 2013	815,825		$	3.51	6.8 Years	$	207,030
	Options exercisable at September 30, 2013	305,525		$	6.13
	Board of Directors Plan-Cornerstone has a stock option plan under which members of the Board of Directors, at the formation of the Bank, were granted options to purchase a total of up to 600,000 shares of the Bank's common stock.  On October 15, 1997, the Bank stock options were converted to Cornerstone stock options.  Only non-qualified stock options may be granted under the plan.  The exercise price of each option equals the market price of Cornerstone’s stock on the date of grant and the maximum term is ten years.  Vesting is 50 percent on the first anniversary of the grant date and 100 percent on the second anniversary of the grant date.  At September 30, 2013, the total remaining compensation cost to be recognized on non-vested options is approximately $97,000.  A summary of the status of this stock option plan is presented in the following table:
						Weighted-
						Average
				Weighted		Contractual
				Average		Remaining	Aggregate
				Exercisable		Term	Intrinsic
		Number		Price		(in years)	Value
	Outstanding at December 31, 2012	145,250		$	3.3	7.2 Years	$	57,600
	Granted	45,000			2.37	9.4 Years
	Exercised	-			-
	Forfeited	-			-
	Outstanding at September 30, 2013	190,250		$	3.08	7.1 Years	$	52,200
	Options exercisable at September 30, 2013	100,250		$	4.04
	The weighted average grant date fair value of all stock options granted during the nine months ended September 30, 2013 was $1.17.  This was determined using the Black-Scholes option-pricing model with the following weighted-average assumptions:
	Dividend yield	0	%
	Expected life	7.0 Years
	Expected volatility	47.6	%
	Risk-free interest rate	1.23	%

Securities

Securities	9 Months Ended
	Sep. 30, 2013
Investments, Debt and Equity Securities [Abstract]	'
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	'
	Note 3. Securities
	The amortized cost and fair value of securities available-for-sale and held-to-maturity at September 30, 2013 and December 31, 2012 are summarized as follows:
		September 30, 2013
				Gross		Gross
		Amortized		Unrealized		Unrealized		Fair
		Cost		Gains		Losses		Value
	Debt securities available for sale:
	U.S. Government agencies	$	3,479,680	$	48,665	$	-	$	3,528,345
	State and municipal securities		17,065,923		683,599		-55,166		17,694,356
	Mortgage-backed securities:
	Residential mortgage loans guaranteed		7,797,244		106,280		-		7,903,524
	by GNMA or FNMA
	Collateralized mortgage obligations		66,403,939		53,727		-301,475		66,156,191
	issued or guaranteed by U.S.
	Government agencies or sponsored
	agencies
		$	94,746,786	$	892,271	$	-356,641	$	95,282,416
	Debt securities held to maturity:
	Mortgage-backed securities:
	Residential mortgage loans guaranteed	$	36,620	$	969	$	-	$	37,589
	by GNMA or FNMA
		December 31, 2012
				Gross		Gross
		Amortized		Unrealized		Unrealized		Fair
		Cost		Gains		Losses		Value
	Debt securities available for sale:
	U.S. Government agencies	$	3,961,956	$	56,195	$	-	$	4,018,151
	State and municipal securities		21,531,727		2,101,590		-		23,633,317
	Mortgage-backed securities:
	Residential mortgage loans guaranteed		9,092,205		132,038		-1,824		9,222,419
	by GNMA or FNMA
	Collateralized mortgage obligations		39,151,568		86,099		-14,908		39,222,759
	issued or guaranteed by U.S.
	Government agencies or sponsored
	agencies
		$	73,737,456	$	2,375,922	$	-16,732	$	76,096,646
	Debt securities held to maturity:
	Mortgage-backed securities:
	Residential mortgage loans guaranteed	$	45,086	$	1,341	$	-8	$	46,212
	by GNMA or FNMA
	At September 30, 2013, securities with a fair value totaling approximately $73 million were pledged to secure public funds, securities sold under agreements to repurchase, as collateral for federal funds purchased from other financial institutions and serve as collateral for borrowings at the Federal Reserve Discount Window.
	For the three months ended September 30, 2013, there were no available for sale securities sold.  For the nine months ended September 30, 2013, there were available for sale securities sold with proceeds totaling $5,328,170 which resulted in gross gains realized of $424,971.  There were no securities sales during 2012.
	The amortized cost and estimated market value of securities at September 30, 2013, by contractual maturity, are shown below.  Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.
		Securities Available for Sale				Securities Held to Maturity
		Amortized		Fair		Amortized		Fair
		Cost		Value		Cost		Value
	Due in one year or less	$	-	$	-	$	-	$	-
	Due from one year to five years		1,267,124		1,338,576		-		-
	Due from five years to ten years		6,310,901		6,648,634		-		-
	Due after ten years		12,967,578		13,235,491		-		-
		$	20,545,603	$	21,222,701	$	-	$	-
	Mortgage-backed securities		74,201,183		74,059,715		36,620		37,589
		$	94,746,786	$	95,282,416	$	36,620	$	37,589
	The following tables present the gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities available for sale have been in a continuous unrealized loss position, as of September 30, 2013 and as of December 31, 2012:
		As of September 30, 2013
		Less than 12 Months				12 Months or Greater				Total
				Gross				Gross				Gross
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
		Value		Losses		Value		Losses		Value		Losses
	State and municipal securities	$	1,138,535	$	-40,736	$	554,465	$	-14,430	$	1,693,000	$	-55,166
	Mortgage-backed securities		48,435,866		-278,248		9,042,662		-23,227		57,478,528		-301,475
	Collateralized mortgage
	obligations issued or
guaranteed by U.S.
Government agencies
or sponsored agencies
	$	49,574,401	$	-318,984	$	9,597,127	$	-37,657	$	59,171,528	$	-356,641
	As of December 31, 2012
	Less than 12 Months				12 Months or Greater				Total
			Gross				Gross				Gross
	Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	Value		Losses		Value		Losses		Value		Losses
Mortgage-backed securities:
Residential mortgage loans	$	667,325	$	-1,824	$	-	$	-	$	667,325	$	-1,824
guaranteed by GNMA
or FNMA
Collateralized mortgage		22,514,641		-14,908		-		-		22,514,641		-14,908
obligations issued or
guaranteed by U.S.
Government agencies
or sponsored agencies
	$	23,181,966	$	-16,732	$	-	$	-	$	23,181,966	$	-16,732
Upon acquisition of a security, the Bank determines the appropriate impairment model that is applicable.  If the security is a beneficial interest in securitized financial assets, the Bank uses the beneficial interests in securitized financial assets impairment model.  If the security is not a beneficial interest in securitized financial assets, the Bank uses the debt and equity securities impairment model.  The Bank conducts periodic reviews to evaluate each security to determine whether an other-than-temporary impairment has occurred.  The Bank does not have any securities that have been classified as other-than-temporarily-impaired at September 30, 2013 or December 31, 2012.
At September 30, 2013 and December 31, 2012, the significant categories of temporarily impaired securities and management’s evaluation of those securities are as follows:
State and municipal securities:  At September 30, 2013, three investments in obligations of state and municipal securities had unrealized losses.  The Bank believes the unrealized losses on those investments were caused by the interest rate environment and does not relate to the underlying credit quality of the issuers.  Because the Bank has the intent and ability to hold those investments for a time necessary to recover their amortized cost bases, which may be until maturity, the Bank does not consider those investments to be other-than-temporarily impaired at September 30, 2013.
Mortgage-backed securities:  At September 30, 2013, eighteen investments in residential mortgage-backed securities had unrealized losses.  This impairment is believed to be caused by the current interest rate environment.  The contractual cash flows of those investments are guaranteed or issued by an agency of the U.S. Government.  Because the decline in market value is attributable to the current interest rate environment and not credit quality, and because the Bank does not intend to sell the investments and it is not more likely than not that the Bank will be required to sell the investments before recovery of their amortized cost bases, which may be maturity, the Bank does not deem those investments to be other-than-temporarily impaired at September 30, 2013.

Loans_and_Allowance_for_Loan_L

Loans and Allowance for Loan Losses	9 Months Ended
	Sep. 30, 2013
Receivables [Abstract]	'
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	'
	Note 4. Loans and Allowance for Loan Losses
	At September 30, 2013 and December 31, 2012, loans are summarized as follows (in thousands):
			September 30,					December 31,
			2013			Percent		2012			Percent
	Commercial real estate-mortgage:
	Owner-occupied		$	66,143		23.28	%	$	58,425		21.09	%
	All other			66,721		23.48	%		66,747		24.1	%
	Consumer real estate-mortgage			69,911		24.6	%		71,195		25.7	%
	Construction and land development			38,970		13.71	%		38,557		13.92	%
	Commercial and industrial			39,782		14	%		40,140		14.49	%
	Consumer and other			2,654		0.93	%		1,927		0.7	%
	Total loans			284,181		100	%		276,991		100	%
	Less: Allowance for loan losses			-3,159					-6,141
	Loans, net		$	281,022				$	270,850
	Cornerstone follows the loan impairment accounting guidance in ASC Topic 310.  A loan is considered impaired when, based on current information and events, it is probable that Cornerstone will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan.  Impaired loans include nonperforming loans and loans modified in troubled debt restructurings where concessions have been granted to borrowers experiencing financial difficulties.  These concessions could include a reduction in interest rates, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collections.
	The composition of loans by loan classification for impaired and performing loan status at September 30, 2013 and December 31, 2012, is summarized in the tables below (amounts in thousands):
			Commercial			Consumer			Construction			Commercial
			Real Estate-			Real Estate-			and Land			and		Consumer
	30-Sep-13		Mortgage			Mortgage			Development			Industrial		and Other		Total
	Performing loans		$	125,418		$	66,950		$	38,712		$	38,027	$	2,654	$	271,761
	Impaired loans			7,446			2,961			258			1,755		-		12,420
	Total		$	132,864		$	69,911		$	38,970		$	39,782	$	2,654	$	284,181
			Commercial			Consumer			Construction			Commercial
			Real Estate-			Real Estate-			and Land			and		Consumer
	31-Dec-12		Mortgage			Mortgage			Development			Industrial		and Other		Total
	Performing loans		$	115,959		$	69,329		$	37,607		$	36,980	$	1,927	$	261,802
	Impaired loans			9,213			1,866			950			3,160		-		15,189
	Total		$	125,172		$	71,195		$	38,557		$	40,140	$	1,927	$	276,991
	The following tables show the allowance for loan losses allocation by loan classification for impaired and performing loans as of September 30, 2013 and December 31, 2012 (amounts in thousands):
			Commercial			Consumer			Construction			Commercial
			Real Estate-			Real Estate-			and Land			and		Consumer
	30-Sep-13		Mortgage			Mortgage			Development			Industrial		and Other		Total
	Allowance related to:
	Performing loans		$	784		$	922		$	339		$	196	$	20	$	2,261
	Impaired loans			682			134			-			82		-		898
	Total		$	1,466		$	1,056		$	339		$	278	$	20	$	3,159
			Commercial			Consumer			Construction			Commercial
			Real Estate-			Real Estate-			and Land			and		Consumer
	31-Dec-12		Mortgage			Mortgage			Development			Industrial		and Other		Total
	Allowance related to:
	Performing loans		$	319		$	952		$	781		$	29	$	14	$	2,095
	Impaired loans			2,230			576			460			780		-		4,046
	Total		$	2,549		$	1,528		$	1,241		$	809	$	14	$	6,141
	The following tables detail the changes in the allowance for loan losses for the  nine month period ending September 30, 2013 and year ending December 31, 2012, by loan classification (amounts in thousands):
			Commercial			Consumer			Construction			Commercial
			Real Estate-			Real Estate-			and Land			and		Consumer
	30-Sep-13		Mortgage			Mortgage			Development			Industrial		and Other		Total
	Beginning balance		$	2,549		$	1,528		$	1,241		$	809	$	14	$	6,141
	Charged-off loans			-1,874			-688			-1,185			-694		-19		-4,460
	Recovery of charge-offs			61			224			810			80		3		1,178
	Provision for			730			-8			-527			83		22		300
	(reallocation of) loan losses
	Ending balance		$	1,466		$	1,056		$	339		$	278	$	20	$	3,159
			Commercial			Consumer			Construction			Commercial
			Real Estate-			Real Estate-			and Land			and		Consumer
	31-Dec-12		Mortgage			Mortgage			Development			Industrial		and Other		Total
	Beginning balance		$	3,557		$	2,518		$	827		$	482	$	16	$	7,400
	Charged-off loans			-958			-1,022			-782			-74		-33		-2,869
	Recovery of charge-offs			838			36			145			144		17		1,180
	Provision for			-888			-4			1,051			257		14		430
	(reallocation of)loan losses
	Ending balance		$	2,549		$	1,528		$	1,241		$	809	$	14	$	6,141
	Credit quality indicators:
Federal regulations require the Bank to review and classify its assets on a regular basis.  To fulfill this requirement, the Bank systematically reviews its loan portfolio to ensure the Bank’s large loan relationships are being maintained within its loan policy guidelines, remains properly underwritten and is properly classified by loan grade.  This review process is performed by the Bank's management, loan review, internal auditors and state and federal regulators.
The Bank’s loan grading process is as follows:
The Bank’s loan grading process is as follows:
	§	All loans are assigned a loan grade at the time of origination by the relationship manager.  Typically, a loan is assigned a loan grade of “pass” at origination.
	§	Loan relationships greater than or equal to $500 thousand are reviewed by the Bank’s external loan review provider on an annual basis.
	§	The Bank’s internal loan review department samples approximately 33 percent of all other loan relationships less than $500 thousand on an annual basis for review.
	§	If a loan is delinquent 60 days or more or a pattern of delinquency exists, the loan will be selected for review.
	§	Generally, all loans on the Bank’s internal watchlist are reviewed annually by internal loan review or external loan review providers.
If a loan is classified as a problem asset, it will be assigned one of the following loan grades:  substandard, substandard-impaired, doubtful, and loss. “Substandard assets” must have one or more defined weaknesses and are characterized by the distinct possibility that we will sustain some loss if the deficiencies are not corrected. “Doubtful assets” have the weaknesses of substandard assets with the additional characteristic that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions and values questionable, and there is a high possibility of loss. An asset classified “loss” is considered uncollectible and of such little value that continuance as an asset of the institution is not warranted. The regulations also provide for a “special mention” category, described as assets which do not currently expose an institution to a sufficient degree of risk to warrant classification but do possess credit deficiencies or potential weaknesses deserving close attention. When the Bank classifies an asset as substandard or doubtful, a specific allowance for loan losses may be established.
The following tables outline the amount of each loan classification and the amount categorized into each risk rating as of September 30, 2013 and December 31, 2012 (amounts in thousands):
		Commercial			Consumer			Construction			Commercial
		Real Estate-			Real Estate-			and Land			and		Consumer
30-Sep-13		Mortgage			Mortgage			Development			Industrial		and Other		Total
Pass		$	120,812		$	58,536		$	38,027		$	33,456	$	2,654	$	253,485
Special mention			4,209			5,377			95			4,105		-		13,786
Substandard			397			3,037			590			466		-		4,490
Substandard-impaired			7,164			2,961			258			1,755		-		12,138
Doubtful-impaired			282			-			-			-		-		282
		$	132,864		$	69,911		$	38,970		$	39,782	$	2,654	$	284,181
		Commercial			Consumer			Construction			Commercial
		Real Estate-			Real Estate-			and Land			and		Consumer
31-Dec-12		Mortgage			Mortgage			Development			Industrial		and Other		Total
Pass		$	111,313		$	57,959		$	36,802		$	36,482	$	1,904	$	244,460
Special mention			4,145			8,401			198			330		18		13,092
Substandard			501			2,969			607			168		5		4,250
Substandard-impaired			9,213			1,866			950			3,160		-		15,189
		$	125,172		$	71,195		$	38,557		$	40,140	$	1,927	$	276,991
After the Bank’s independent loan review department completes the loan grade assignment, a loan impairment analysis is performed on loans graded substandard or worse.The following tables present summary information pertaining to impaired loans by loan classification as of September 30, 2013 and December 31, 2012 (in thousands):
											For the quarter ended
		At September 30, 2013									September 30, 2013
					Unpaid						Average		Interest
		Recorded			Principal			Related			Recorded		Income
		Investment			Balance			Allowance			Investment		Recognized
Impaired loans without a valuation allowance:
Commercial real estate – mortgage		$	4,578		$	4,797		$	-		$	4,683	$	183
Consumer real estate – mortgage			2,066			2,066			-			1,854		73
Construction and land development			258			271			-			349		11
Commercial and industrial			1,353			1,396			-			1,875		31
Total		$	8,255		$	8,530		$	-		$	8,761	$	298
Impaired loans with a valuation allowance:
Commercial real estate – mortgage		$	2,868		$	2,943		$	682		$	4,670	$	126
Consumer real estate – mortgage			895			895			134			1,110		49
Construction and land development			-			-			-			296		-
Commercial and industrial			402			402			82			740		38
Total		$	4,165		$	4,240		$	898		$	6,816	$	213
Total impaired loans		$	12,420		$	12,770		$	898		$	15,577	$	511
											For the year ended
		At December 31, 2012									December 31, 2012
					Unpaid						Average		Interest
		Recorded			Principal			Related			Recorded		Income
		Investment			Balance			Allowance			Investment		Recognized
Impaired loans without a valuation allowance:
Commercial real estate – mortgage		$	3,406		$	3,453		$	-		$	4,389	$	180
Consumer real estate – mortgage			513			540			-			1,538		52
Construction and land development			244			251			-			358		19
Commercial and industrial			2,111			2,155			-			2,277		55
Total		$	6,274		$	6,399		$	-		$	8,562	$	306
Impaired loans with a valuation allowance:
Commercial real estate – mortgage		$	5,807		$	5,848		$	2,230		$	6,616	$	215
Consumer real estate – mortgage			1,353			1,353			576			2,606		61
Construction and land development			706			706			460			642		49
Commercial and industrial			1,049			1,049			780			700		132
Total		$	8,915		$	8,956		$	4,046		$	10,564	$	457
Total impaired loans		$	15,189		$	15,355		$	4,046		$	19,126	$	763
The following tables present an aged analysis of past due loans as of September 30, 2013 and December 31, 2012 (in thousands):
		30-89 Days			Past Due 90
		Past Due and			Days or More						Total		Current		Total
30-Sep-13		Accruing			and Accruing			Nonaccrual			Past Due		Loans		Loans
Commercial real estate-mortgage:
Owner-occupied		$	431		$	-		$	494		$	925	$	65,218	$	66,143
All other			-			-			924			924		65,797		66,721
Consumer real estate-mortgage			712			-			964			1,676		68,235		69,911
Construction and land development			48			-			22			70		38,900		38,970
Commercial and industrial			552			-			1,692			2,244		37,538		39,782
Consumer and other			2			-			-			2		2,652		2,654
Total		$	1,745		$	-		$	4,096		$	5,841	$	278,340	$	284,181
		30-89 Days			Past Due 90
		Past Due and			Days or More						Total		Current		Total
31-Dec-12		Accruing			and Accruing			Nonaccrual			Past Due		Loans		Loans
Commercial real estate-mortgage:
Owner-occupied		$	2,738		$	-		$	956		$	3,694	$	54,731	$	58,425
All other			636			-			1,913			2,549		64,198		66,747
Consumer real estate-mortgage			1,858			-			616			2,474		68,721		71,195
Construction and land development			100			-			53			153		38,404		38,557
Commercial and industrial			1,227			-			2,467			3,694		36,446		40,140
Consumer and other			35			-			-			35		1,892		1,927
Total		$	6,594		$	-		$	6,005		$	12,599	$	264,392	$	276,991
Impaired loans also include loans that the Bank has elected to formally restructure when, due to the weakening credit status of a borrower, the restructuring may facilitate a repayment plan that seeks to minimize the potential losses that the Bank may have to otherwise incur.  At September 30, 2013 and December 31, 2012, the Bank has loans of approximately $6,119,000 and $9,403,000, respectively, that were modified for troubled debt restructuring. Troubled commercial loans are restructured by specialists within our Special Asset department and all restructurings are approved by committees and credit officers separate and apart from the normal loan approval process.  These specialists are trained to reduce the Bank’s overall risk and exposure to loss in the event of a restructuring through obtaining either or all of the following:  improved documentation, additional guaranties, increase in curtailments, reduction in collateral terms, additional collateral or other similar strategies.
The following tables present a summary of loans that were modified as troubled debt restructurings during the nine month periods ending September 30, 2013 and 2012 (amounts in thousands):
				Pre-Modification			Post-Modification
				Outstanding			Outstanding
				Recorded			Recorded
30-Sep-13		Number of Contracts		Investment			Investment
Commercial real estate-mortgage		2		$	2,073		$	2,073
Consumer real estate-mortgage		1			66			66
Construction and land development		3			898			898
Commercial and industrial		3			2,389			2,389
				Pre-Modification			Post-Modification
				Outstanding			Outstanding
				Recorded			Recorded
30-Sep-12		Number of Contracts		Investment			Investment
Commercial real estate-mortgage		2		$	4,233		$	4,233
Consumer real estate-mortgage		1			65			65
Construction and land development		3			1,178			1,178
Commercial and industrial		4			2,408			2,408
There were no loans that were modified as troubled debt restructurings during the past twelve months and for which there was a subsequent payment default.

Commitments_and_Contingent_Lia

Commitments and Contingent Liabilities	9 Months Ended
	Sep. 30, 2013
Commitments and Contingencies Disclosure [Abstract]	'
Commitments and Contingencies Disclosure [Text Block]	'
	Note 5. Commitments and Contingent Liabilities
	Off Balance Sheet Arrangements - In the normal course of business, the Bank has entered into off-balance sheet financial instruments which include commitments to extend credit (i.e., including unfunded lines of credit) and standby letters of credit. Commitments to extend credit are usually the result of lines of credit granted to existing borrowers under agreements that the total outstanding indebtedness will not exceed a specific amount during the term of the indebtedness. Typical borrowers are commercial concerns that use lines of credit to supplement their treasury management functions; thus their total outstanding indebtedness may fluctuate during any time period based on the seasonality of their business and the resultant timing of their cash flows. Other typical lines of credit are related to home equity loans granted to consumers. Commitments to extend credit generally have fixed expiration dates or other termination clauses and may require payment of a fee.
	Standby letters of credit are generally issued on behalf of an applicant (our customer) to a specifically named beneficiary and are the result of a particular business arrangement that exists between the applicant and the beneficiary. Standby letters of credit have fixed expiration dates and are usually for terms of two years or less unless terminated beforehand due to criteria specified in the standby letter of credit. A typical arrangement involves the applicant routinely being indebted to the beneficiary for such items as inventory purchases, insurance, utilities, lease guarantees or other third party
	commercial transactions. The standby letter of credit would permit the beneficiary to obtain payment from the  Bank under certain prescribed circumstances. Subsequently, the Bank would seek reimbursement from the applicant pursuant to the terms of the standby letter of credit.
	The Bank follows the same credit policies and underwriting practices when making these commitments as it does for on-balance sheet instruments. Each customer’s creditworthiness is evaluated on a case-by-case basis, and the amount of collateral obtained, if any, is based on management’s credit evaluation of the customer. Collateral held varies but may include cash, real estate and improvements, marketable securities, accounts receivable, inventory, equipment and personal property.
	The contractual amounts of these commitments are not reflected in the consolidated financial statements and would only be reflected if drawn upon. Since many of the commitments are expected to expire without being drawn upon, the contractual amounts do not necessarily represent future cash requirements. However, should the commitments be drawn upon and should customers default on their resulting obligation to, the Bank’s maximum exposure to credit loss, without consideration of collateral, is represented by the contractual amount of those instruments.
	A summary of the Bank’s total contractual amount for all off-balance sheet commitments at September 30, 2013 is as follows:
	Commitments to extend credit	$	34.1 million
	Standby letters of credit	$	392.2 thousand
	Various legal claims also arise from time to time in the normal course of business. In the opinion of management, the resolution of claims outstanding at September 30, 2013 will not have a material effect on Cornerstone’s consolidated financial statements.

Fair_Value_Disclosures

Fair Value Disclosures	9 Months Ended
	Sep. 30, 2013
Fair Value Disclosures [Abstract]	'
Fair Value Disclosures [Text Block]	'
	Note 6. Fair Value Disclosures
	Fair Value Measurements:
	Cornerstone uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures.  In accordance with the “Fair Value Measurements and Disclosure” ASC Topic 820, the fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.  Fair value is best determined based upon quoted market prices.  In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques.  Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows.  Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument.
	ASC Topic 820 provides a consistent definition of fair value, which focuses on exit price in an orderly transaction between market participants at the measurement date under current market conditions.  If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate.  In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment.  The fair value is a reasonable point within the range that is most representative of fair value under current market conditions.
	ASC Topic 820 also establishes a three-tier fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value, as follows:
	Level 1 - Quoted prices (unadjusted) in active markets for identical assets or liabilities that Cornerstone has the ability to access.
	Level 2 - Significant other observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities in active markets, quoted prices in markets that are not active and other inputs that are observable or can be corroborated by observable market data.
	Level 3 - Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.
	A financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement.
	The following methods and assumptions were used by Cornerstone in estimating fair value disclosures for financial instruments.  There have been no changes in the methodologies used at September 30, 2013 and December 31, 2012.
	Cash and cash equivalents:
	The carrying amounts of cash and cash equivalents approximate fair values based on the short-term nature of the assets.
	Cash and cash equivalents are classified as Level 1 of the fair value hierarchy.
	Securities:
	Fair values are estimated using pricing models and discounted cash flows that consider standard input factors such as observable market data, benchmark yields, interest rate volatilities, broker/dealer quotes, and credit spreads.  Securities classified as available for sale are reported at fair value utilizing Level 2 inputs.
	The carrying value of Federal Home Loan Bank stock approximates fair value based on the redemption provisions of the Federal Home Loan Bank. Federal Home Loan Bank stock is classified as Level 3 of the fair value hierarchy.
	Loans:
	For variable-rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values.  Fair values for fixed-rate loans are estimated using discounted cash flow analysis, using market interest rates for comparable loans. Generally, Level 3 inputs are utilized for this estimate.  Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired.  Once a loan is identified as individually impaired, management measures impairment in accordance with ASC Topic 310, Accounting by Creditors for Impairment of a Loan.  The fair value of impaired loans is estimated using several methods including collateral value, liquidation value and discounted cash flows.
	Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans.  At September 30, 2013 and December 31, 2012, substantially all of the total impaired loans were evaluated based on the fair value of collateral.  In accordance with ASC Topic 820, impaired loans where an allowance is established based on the fair value of collateral require classification in the fair value hierarchy.  When the fair value of the collateral is based on an observable market price or a current appraised value, Cornerstone records the impaired loan as nonrecurring Level 2.  When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, Cornerstone records the impaired loan as nonrecurring Level 3.
	Cash surrender value of life insurance:
	The carrying amounts of cash surrender value of life insurance approximate their fair value.  The carrying amount is based on information received from the insurance carriers indicating the financial performance of the policies and the amount Cornerstone would receive should the policies be surrendered.  Cornerstone reflects these assets within Level 2 of the valuation hierarchy.
	Foreclosed assets:
	Foreclosed assets, consisting of properties obtained through foreclosure or in satisfaction of loans, are initially recorded at fair value, determined on the basis of current appraisals, comparable sales, and other estimates of value obtained principally from independent sources, adjusted for estimated selling costs.  At the time of foreclosure, any excess of the loan balance over the fair value of the real estate held as collateral is treated as a charge against the allowance for loan losses.  Gains or losses on sale and any subsequent adjustment to the fair value are recorded as a component of foreclosed real estate expense.  Foreclosed assets are included in Level 2 of the valuation hierarchy.
	Deposits:
	The fair value of deposits with no stated maturity, such as noninterest-bearing and interest-bearing demand deposits, savings deposits, and money market accounts, is equal to the amount payable on demand at the reporting date.  The carrying amounts of variable-rate, fixed-term certificates of deposit approximate their fair values at the reporting date.  Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies market interest rates on comparable instruments to a schedule of aggregated expected monthly maturities on time deposits. Generally, Level 3 inputs are utilized in this estimate.
	Fed funds purchased and securities sold under agreements to repurchase:
	The carrying amount of these liabilities approximates their estimated fair value. These liabilities are included in Level 3 of the fair value hierarchy.
	Federal Home Loan Bank advances and other borrowings:
	The carrying amounts of FHLB advances and other borrowings approximate their fair value. These liabilities are included in Level 3 of the fair value hierarchy.
	Accrued interest:
	The carrying amounts of accrued interest approximate fair value. Accrued interest is included in Level 3 of the fair value hierarchy.
	Commitments to extend credit, letters of credit and lines of credit:
	The fair value of commitments is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties.  For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates.
	Assets and liabilities recorded at fair value on a recurring basis are as follows.
				Quoted Prices in		Significant		Significant
				Active Markets		Other		Other
		Balance as of		for Identical		Observable		Unobservable
		September 30,		Assets		Inputs		Inputs
		2013		(Level 1)		(Level 2)		(Level 3)
	Debt securities available for sale:
	U.S. Government agencies	$	3,528,345	$	-	$	3,528,345	$	-
	State and municipal securities		17,694,356		-		17,694,356		-
	Mortgage-backed securities:
	Residential mortgage loans		7,903,524		-		7,903,524		-
	guaranteed by GNMA or FNMA
	Collateralized mortgage		66,156,191		-		66,156,191		-
	obligations issued or
	guaranteed by U.S.
	Government agencies or
	sponsored agencies
	Total securities	$	95,282,416	$	-	$	95,282,416	$	-
	available for sale
	Cash surrender value of life insurance	$	1,224,437	$	-	$	1,224,437	$	-
				Quoted Prices in		Significant		Significant
				Active Markets		Other		Other
		Balance as of		for Identical		Observable		Unobservable
		December 31,		Assets		Inputs		Inputs
		2012		(Level 1)		(Level 2)		(Level 3)
	Debt securities available for sale:
	U.S. Government agencies	$	4,018,151	$	-	$	4,018,151	$	-
	State and municipal securities		23,633,317		-		23,633,317		-
	Mortgage-backed securities:
	Residential mortgage loans		9,222,419		-		9,222,419		-
guaranteed by GNMA or FNMA
Collateralized mortgage		39,222,759		-		39,222,759		-
obligations issued or
guaranteed by U.S.
Government agencies or
sponsored agencies
Total securities	$	76,096,646	$	-	$	76,096,646	$	-
available for sale
Cash surrender value of life insurance	$	1,199,725	$	-	$	1,199,725	$	-
Cornerstone has no assets or liabilities whose fair values are measured on a recurring basis using Level 3 inputs.
Additionally, there were no transactions between Level 1 and Level 2 in the fair value hierarchy.
Certain assets and liabilities are measured at fair value on a nonrecurring basis, which means the assets and liabilities are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment).  The tables below present information about assets and liabilities on the balance sheet at September 30, 2013 and December 31, 2012 for which a nonrecurring change in fair value was recorded (amounts in thousands).
			Quoted Prices in		Significant		Significant
			Active Markets		Other		Other
	Balance as of		for Identical		Observable		Unobservable
	September 30,		Assets		Inputs		Inputs
	2013		(Level 1)		(Level 2)		(Level 3)
Impaired loans	$	3,267	$	-	$	3,267	$	-
Foreclosed assets (OREO & Repossessions)		14,924		-		14,924		-
			Quoted Prices in		Significant		Significant
			Active Markets		Other		Other
	Balance as of		for Identical		Observable		Unobservable
	December 31,		Assets		Inputs		Inputs
	2012		(Level 1)		(Level 2)		(Level 3)
Impaired loans	$	4,869	$	-	$	4,869	$	-
Foreclosed assets (OREO & Repossessions)		20,332		-		20,332		-
Loans include impaired loans held for investment for which an allowance for loan losses has been calculated based upon the fair value of the loans at September 30, 2013 and December 31, 2012.
The carrying amount and estimated fair value of Cornerstone's financial instruments at September 30, 2013 and December  31, 2012 are as follows (in thousands):
	30-Sep-13				31-Dec-12
	Carrying		Estimated		Carrying		Estimated
	Amount		Fair Value		Amount		Fair Value
Assets:
Cash and cash equivalents	$	21,255	$	21,255	$	59,395	$	59,395
Securities		95,319		95,320		76,142		76,143
Federal Home Loan Bank stock		2,323		2,323		2,323		2,323
Loans, net		281,022		281,403		270,850		271,128
Cash surrender value of life insurance		1,224		1,224		1,200		1,200
Accrued interest receivable		1,222		1,222		1,214		1,214
Liabilities:
Noninterest-bearing demand deposits		54,452		54,452		60,054		60,054
Interest-bearing demand deposits		25,464		25,464		30,179		30,179
Savings deposits and money market accounts		90,666		90,666		80,994		80,994
Time deposits		170,174		171,541		173,654		175,177
Federal funds purchased and securities		20,509		20,509		19,587		19,587
sold under agreements to repurchase
Federal Home Loan Bank advances		26,740		26,740		37,175		37,175
and other borrowings
Accrued interest payable		100		100		121		121
Unrecognized financial instruments
(net of contract amount):
Commitments to extend credit		-		-		-		-
Letters of credit		-		-		-		-
Lines of credit		-		-		-		-

Presentation_of_Financial_Info1

Presentation of Financial Information (Policies)	9 Months Ended
	Sep. 30, 2013
Organization, Consolidation and Presentation Of Financial Statements [Abstract]	'
Use of Estimates, Policy [Policy Text Block]	'
	Use of Estimates-The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities as of the balance sheet date and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term include the determination of the allowance for loan losses, foreclosed assets and deferred tax assets.
Consolidation, Policy [Policy Text Block]	'
	Consolidation-The accompanying consolidated financial statements include the accounts of Cornerstone and the Bank.   Substantially all intercompany transactions, profits and balances have been eliminated.
Reclassification, Policy [Policy Text Block]	'
	Reclassification-Certain amounts in the prior consolidated financial statements have been reclassified to conform to the current period presentation.  The reclassifications had no effect on net income, total assets or stockholders’ equity as previously reported.
New Accounting Pronouncements, Policy [Policy Text Block]	'
	Accounting Policies-During interim periods, Cornerstone follows the accounting policies set forth in its Annual Report on Form 10-K for the year ended December 31, 2012 as filed with the Securities and Exchange Commission.  Since December 31, 2012, there have been no significant changes in any accounting principles or practices, or in the method of applying any such principles or practices, except for the following:
	In February 2013, the Financial Accounting Standards Board (FASB) issued updated guidance related to disclosure of reclassification amounts out of other comprehensive income.  The standard requires that companies present either in a single note or parenthetically on the face of the financial statements, the effect of significant amounts reclassified from each component of accumulated other comprehensive income based on its source and the income statement line items affected by the reclassification.  The new requirements took effect for public companies in fiscal years, and interim periods within those years, beginning after December 15, 2012.  The Company adopted this standard on January 1, 2013. The effect of adopting this standard increased our disclosure requirements surrounding reclassification items out of accumulated other comprehensive income.
Earnings Per Share, Policy [Policy Text Block]	'
	Earnings per Common Share- Basic earnings per share (“EPS”) is computed by dividing income available to common shareholders (numerator) by the weighted average number of common shares outstanding during the period (denominator). Diluted EPS is computed by dividing income available to common shareholders (numerator) by the adjusted weighted average number of shares outstanding (denominator). The adjusted weighted average number of shares outstanding reflects the potential dilution occurring if securities or other contracts to issue common stock were exercised or converted into common stock resulting in the issuance of common stock that share in the earnings of the entity.
	The following is a summary of the basic and diluted earnings per share for the three and nine month periods ended September 30, 2013 and September 30, 2012.
		Three Months Ended September 30,
		2013		2012
	Basic earnings per common share calculation:
	Numerator: Net income available to common shareholders	$	35,703	$	38,983
	Denominator: Weighted avg. common shares outstanding		6,547,074		6,500,396
	Effect of dilutive stock options		145,508		3,758
	Diluted shares		6,692,582		6,504,154
	Basic earnings per common share	$	0.01	$	0.01
	Diluted earnings per common share	$	0.01	$	0.01
		Nine Months Ended September 30,
		2013		2012
	Basic earnings per common share calculation:
	Numerator: Net income available to common shareholders	$	98,172	$	130,489
	Denominator: Weighted avg. common shares outstanding		6,547,074		6,500,396
	Effect of dilutive stock options		127,453		59,090
	Diluted shares		6,674,527		6,559,486
	Basic earnings per common share	$	0.01	$	0.02
	Diluted earnings per common share	$	0.01	$	0.02
	For the three and nine months ended September 30, 2013, potential common shares of 503,075 were not included in the calculation of diluted earnings per share because the assumed exercise of such shares would be anti-dilutive.

Presentation_of_Financial_Info2

Presentation of Financial Information (Tables)	9 Months Ended
	Sep. 30, 2013
Organization, Consolidation and Presentation Of Financial Statements [Abstract]	'
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	'
	The following is a summary of the basic and diluted earnings per share for the three and nine month periods ended September 30, 2013 and September 30, 2012.
		Three Months Ended September 30,
		2013		2012
	Basic earnings per common share calculation:
	Numerator: Net income available to common shareholders	$	35,703	$	38,983
	Denominator: Weighted avg. common shares outstanding		6,547,074		6,500,396
	Effect of dilutive stock options		145,508		3,758
	Diluted shares		6,692,582		6,504,154
	Basic earnings per common share	$	0.01	$	0.01
	Diluted earnings per common share	$	0.01	$	0.01
		Nine Months Ended September 30,
		2013		2012
	Basic earnings per common share calculation:
	Numerator: Net income available to common shareholders	$	98,172	$	130,489
	Denominator: Weighted avg. common shares outstanding		6,547,074		6,500,396
	Effect of dilutive stock options		127,453		59,090
	Diluted shares		6,674,527		6,559,486
	Basic earnings per common share	$	0.01	$	0.02
	Diluted earnings per common share	$	0.01	$	0.02

Stock_Based_Compensation_Table

Stock Based Compensation (Tables)	9 Months Ended
	Sep. 30, 2013
Schedule of Share-based Compensation, Stock Options, Activity [Table Text Block]	'
	This was determined using the Black-Scholes option-pricing model with the following weighted-average assumptions:
	Dividend yield	0	%
	Expected life	7.0 Years
	Expected volatility	47.6	%
	Risk-free interest rate	1.23	%
Officer and Employee Plans [Member]	'
Schedule of Share-based Compensation, Stock Options and Stock Appreciation Rights Award Activity [Table Text Block]	'
	A summary of the status of these stock option plans is presented in the following table:
						Weighted-
						Average
				Weighted		Contractual
				Average		Remaining	Aggregate
				Exercisable		Term	Intrinsic
		Number		Price		(in years)	Value
	Outstanding at December 31, 2012	670,300		$	3.86	6.2 Years	$	232,900
	Granted	203,000			2.37	9.4 Years
	Exercised	-			-
	Forfeited	-57,475			-3.51
	Outstanding at September 30, 2013	815,825		$	3.51	6.8 Years	$	207,030
	Options exercisable at September 30, 2013	305,525		$	6.13
Board Of Directors Plan [Member]	'
Schedule of Share-based Compensation, Stock Options and Stock Appreciation Rights Award Activity [Table Text Block]	'
	A summary of the status of this stock option plan is presented in the following table:
						Weighted-
						Average
				Weighted		Contractual
				Average		Remaining	Aggregate
				Exercisable		Term	Intrinsic
		Number		Price		(in years)	Value
	Outstanding at December 31, 2012	145,250		$	3.3	7.2 Years	$	57,600
	Granted	45,000			2.37	9.4 Years
	Exercised	-			-
	Forfeited	-			-
	Outstanding at September 30, 2013	190,250		$	3.08	7.1 Years	$	52,200
	Options exercisable at September 30, 2013	100,250		$	4.04

Securities_Tables

Securities (Tables)	9 Months Ended
	Sep. 30, 2013
Investments, Debt and Equity Securities [Abstract]	'
Schedule Of Available For Sale Securities and Held To Maturity Reconciliation [Table Text Block]	'
	The amortized cost and fair value of securities available-for-sale and held-to-maturity at September 30, 2013 and December 31, 2012 are summarized as follows:
		September 30, 2013
				Gross		Gross
		Amortized		Unrealized		Unrealized		Fair
		Cost		Gains		Losses		Value
	Debt securities available for sale:
	U.S. Government agencies	$	3,479,680	$	48,665	$	-	$	3,528,345
	State and municipal securities		17,065,923		683,599		-55,166		17,694,356
	Mortgage-backed securities:
	Residential mortgage loans guaranteed		7,797,244		106,280		-		7,903,524
	by GNMA or FNMA
	Collateralized mortgage obligations		66,403,939		53,727		-301,475		66,156,191
	issued or guaranteed by U.S.
	Government agencies or sponsored
	agencies
		$	94,746,786	$	892,271	$	-356,641	$	95,282,416
	Debt securities held to maturity:
	Mortgage-backed securities:
	Residential mortgage loans guaranteed	$	36,620	$	969	$	-	$	37,589
	by GNMA or FNMA
		December 31, 2012
				Gross		Gross
		Amortized		Unrealized		Unrealized		Fair
		Cost		Gains		Losses		Value
	Debt securities available for sale:
	U.S. Government agencies	$	3,961,956	$	56,195	$	-	$	4,018,151
	State and municipal securities		21,531,727		2,101,590		-		23,633,317
	Mortgage-backed securities:
	Residential mortgage loans guaranteed		9,092,205		132,038		-1,824		9,222,419
	by GNMA or FNMA
	Collateralized mortgage obligations		39,151,568		86,099		-14,908		39,222,759
	issued or guaranteed by U.S.
	Government agencies or sponsored
	agencies
		$	73,737,456	$	2,375,922	$	-16,732	$	76,096,646
	Debt securities held to maturity:
	Mortgage-backed securities:
	Residential mortgage loans guaranteed	$	45,086	$	1,341	$	-8	$	46,212
	by GNMA or FNMA
Investments Classified by Contractual Maturity Date [Table Text Block]	'
	The amortized cost and estimated market value of securities at September 30, 2013, by contractual maturity, are shown below.  Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.
		Securities Available for Sale				Securities Held to Maturity
		Amortized		Fair		Amortized		Fair
		Cost		Value		Cost		Value
	Due in one year or less	$	-	$	-	$	-	$	-
	Due from one year to five years		1,267,124		1,338,576		-		-
	Due from five years to ten years		6,310,901		6,648,634		-		-
	Due after ten years		12,967,578		13,235,491		-		-
		$	20,545,603	$	21,222,701	$	-	$	-
	Mortgage-backed securities		74,201,183		74,059,715		36,620		37,589
		$	94,746,786	$	95,282,416	$	36,620	$	37,589
Schedule of Unrealized Loss on Investments [Table Text Block]	'
	The following tables present the gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities available for sale have been in a continuous unrealized loss position, as of September 30, 2013 and as of December 31, 2012:
		As of September 30, 2013
		Less than 12 Months				12 Months or Greater				Total
				Gross				Gross				Gross
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
		Value		Losses		Value		Losses		Value		Losses
	State and municipal securities	$	1,138,535	$	-40,736	$	554,465	$	-14,430	$	1,693,000	$	-55,166
	Mortgage-backed securities		48,435,866		-278,248		9,042,662		-23,227		57,478,528		-301,475
	Collateralized mortgage
	obligations issued or
	guaranteed by U.S.
	Government agencies
	or sponsored agencies
		$	49,574,401	$	-318,984	$	9,597,127	$	-37,657	$	59,171,528	$	-356,641
		As of December 31, 2012
		Less than 12 Months				12 Months or Greater				Total
				Gross				Gross				Gross
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
		Value		Losses		Value		Losses		Value		Losses
	Mortgage-backed securities:
	Residential mortgage loans	$	667,325	$	-1,824	$	-	$	-	$	667,325	$	-1,824
	guaranteed by GNMA
	or FNMA
	Collateralized mortgage		22,514,641		-14,908		-		-		22,514,641		-14,908
	obligations issued or
	guaranteed by U.S.
	Government agencies
	or sponsored agencies
		$	23,181,966	$	-16,732	$	-	$	-	$	23,181,966	$	-16,732

Loans_and_Allowance_for_Loan_L1

Loans and Allowance for Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2013
Receivables [Abstract]	'
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	'
	At September 30, 2013 and December 31, 2012, loans are summarized as follows (in thousands):
		September 30,					December 31,
		2013			Percent		2012			Percent
	Commercial real estate-mortgage:
	Owner-occupied	$	66,143		23.28	%	$	58,425		21.09	%
	All other		66,721		23.48	%		66,747		24.1	%
	Consumer real estate-mortgage		69,911		24.6	%		71,195		25.7	%
	Construction and land development		38,970		13.71	%		38,557		13.92	%
	Commercial and industrial		39,782		14	%		40,140		14.49	%
	Consumer and other		2,654		0.93	%		1,927		0.7	%
	Total loans		284,181		100	%		276,991		100	%
	Less: Allowance for loan losses		-3,159					-6,141
	Loans, net	$	281,022				$	270,850
Schedule Of Impaired and Performing Loans Receivable [Table Text Block]	'
	The composition of loans by loan classification for impaired and performing loan status at September 30, 2013 and December 31, 2012, is summarized in the tables below (amounts in thousands):
		Commercial			Consumer			Construction			Commercial
		Real Estate-			Real Estate-			and Land			and		Consumer
	30-Sep-13	Mortgage			Mortgage			Development			Industrial		and Other		Total
	Performing loans	$	125,418		$	66,950		$	38,712		$	38,027	$	2,654	$	271,761
	Impaired loans		7,446			2,961			258			1,755		-		12,420
	Total	$	132,864		$	69,911		$	38,970		$	39,782	$	2,654	$	284,181
		Commercial			Consumer			Construction			Commercial
		Real Estate-			Real Estate-			and Land			and		Consumer
	31-Dec-12	Mortgage			Mortgage			Development			Industrial		and Other		Total
	Performing loans	$	115,959		$	69,329		$	37,607		$	36,980	$	1,927	$	261,802
	Impaired loans		9,213			1,866			950			3,160		-		15,189
	Total	$	125,172		$	71,195		$	38,557		$	40,140	$	1,927	$	276,991
Schedule Of Allowance For Loan Losses For Impaired and Performing Loans Receivable [Table Text Block]	'
	The following tables show the allowance for loan losses allocation by loan classification for impaired and performing loans as of September 30, 2013 and December 31, 2012 (amounts in thousands):
		Commercial			Consumer			Construction			Commercial
		Real Estate-			Real Estate-			and Land			and		Consumer
	30-Sep-13	Mortgage			Mortgage			Development			Industrial		and Other		Total
	Allowance related to:
	Performing loans	$	784		$	922		$	339		$	196	$	20	$	2,261
	Impaired loans		682			134			-			82		-		898
	Total	$	1,466		$	1,056		$	339		$	278	$	20	$	3,159
		Commercial			Consumer			Construction			Commercial
		Real Estate-			Real Estate-			and Land			and		Consumer
	31-Dec-12	Mortgage			Mortgage			Development			Industrial		and Other		Total
	Allowance related to:
	Performing loans	$	319		$	952		$	781		$	29	$	14	$	2,095
	Impaired loans		2,230			576			460			780		-		4,046
	Total	$	2,549		$	1,528		$	1,241		$	809	$	14	$	6,141
Schedule Of Financing Receivable Allowance For Credit Losses [Table Text Block]	'
	The following tables detail the changes in the allowance for loan losses for the  nine month period ending September 30, 2013 and year ending December 31, 2012, by loan classification (amounts in thousands):
		Commercial			Consumer			Construction			Commercial
		Real Estate-			Real Estate-			and Land			and		Consumer
	30-Sep-13	Mortgage			Mortgage			Development			Industrial		and Other		Total
	Beginning balance	$	2,549		$	1,528		$	1,241		$	809	$	14	$	6,141
	Charged-off loans		-1,874			-688			-1,185			-694		-19		-4,460
	Recovery of charge-offs		61			224			810			80		3		1,178
	Provision for		730			-8			-527			83		22		300
	(reallocation of) loan losses
	Ending balance	$	1,466		$	1,056		$	339		$	278	$	20	$	3,159
		Commercial			Consumer			Construction			Commercial
		Real Estate-			Real Estate-			and Land			and		Consumer
	31-Dec-12	Mortgage			Mortgage			Development			Industrial		and Other		Total
	Beginning balance	$	3,557		$	2,518		$	827		$	482	$	16	$	7,400
	Charged-off loans		-958			-1,022			-782			-74		-33		-2,869
	Recovery of charge-offs		838			36			145			144		17		1,180
	Provision for		-888			-4			1,051			257		14		430
	(reallocation of)loan losses
	Ending balance	$	2,549		$	1,528		$	1,241		$	809	$	14	$	6,141
Financing Receivable Credit Quality Indicators [Table Text Block]	'
	The following tables outline the amount of each loan classification and the amount categorized into each risk rating as of September 30, 2013 and December 31, 2012 (amounts in thousands):
		Commercial			Consumer			Construction			Commercial
		Real Estate-			Real Estate-			and Land			and		Consumer
	30-Sep-13	Mortgage			Mortgage			Development			Industrial		and Other		Total
	Pass	$	120,812		$	58,536		$	38,027		$	33,456	$	2,654	$	253,485
	Special mention		4,209			5,377			95			4,105		-		13,786
	Substandard		397			3,037			590			466		-		4,490
	Substandard-impaired		7,164			2,961			258			1,755		-		12,138
	Doubtful-impaired		282			-			-			-		-		282
		$	132,864		$	69,911		$	38,970		$	39,782	$	2,654	$	284,181
		Commercial			Consumer			Construction			Commercial
		Real Estate-			Real Estate-			and Land			and		Consumer
	31-Dec-12	Mortgage			Mortgage			Development			Industrial		and Other		Total
	Pass	$	111,313		$	57,959		$	36,802		$	36,482	$	1,904	$	244,460
	Special mention		4,145			8,401			198			330		18		13,092
	Substandard		501			2,969			607			168		5		4,250
	Substandard-impaired		9,213			1,866			950			3,160		-		15,189
		$	125,172		$	71,195		$	38,557		$	40,140	$	1,927	$	276,991
Impaired Financing Receivables [Table Text Block]	'
	The following tables present summary information pertaining to impaired loans by loan classification as of September 30, 2013 and December 31, 2012 (in thousands):
											For the quarter ended
		At September 30, 2013									September 30, 2013
					Unpaid						Average		Interest
		Recorded			Principal			Related			Recorded		Income
		Investment			Balance			Allowance			Investment		Recognized
	Impaired loans without a valuation allowance:
	Commercial real estate – mortgage	$	4,578		$	4,797		$	-		$	4,683	$	183
	Consumer real estate – mortgage		2,066			2,066			-			1,854		73
	Construction and land development		258			271			-			349		11
	Commercial and industrial		1,353			1,396			-			1,875		31
	Total	$	7,825		$	8,530		$	-		$	8,761	$	298
	Impaired loans with a valuation allowance:
	Commercial real estate – mortgage	$	2,868		$	2,943		$	682		$	4,670	$	126
	Consumer real estate – mortgage		895			895			134			1,110		49
	Construction and land development		-			-			-			296		-
	Commercial and industrial		402			402			82			740		38
	Total	$	4,165		$	4,240		$	898		$	6,816	$	213
	Total impaired loans	$	12,420		$	12,770		$	898		$	15,577	$	511
											For the year ended
		At December 31, 2012									December 31, 2012
					Unpaid						Average		Interest
		Recorded			Principal			Related			Recorded		Income
		Investment			Balance			Allowance			Investment		Recognized
	Impaired loans without a valuation allowance:
	Commercial real estate – mortgage	$	3,406		$	3,453		$	-		$	4,389	$	180
	Consumer real estate – mortgage		513			540			-			1,538		52
	Construction and land development		244			251			-			358		19
	Commercial and industrial		2,111			2,155			-			2,277		55
	Total	$	6,274		$	6,399		$	-		$	8,562	$	306
	Impaired loans with a valuation allowance:
	Commercial real estate – mortgage	$	5,807		$	5,848		$	2,230		$	6,616	$	215
	Consumer real estate – mortgage		1,353			1,353			576			2,606		61
	Construction and land development		706			706			460			642		49
	Commercial and industrial		1,049			1,049			780			700		132
	Total	$	8,915		$	8,956		$	4,046		$	10,564	$	457
	Total impaired loans	$	15,189		$	15,355		$	4,046		$	19,126	$	763
Past Due Financing Receivables [Table Text Block]	'
	The following tables present an aged analysis of past due loans as of September 30, 2013 and December 31, 2012 (in thousands):
		30-89 Days			Past Due 90
		Past Due and			Days or More						Total		Current		Total
	30-Sep-13	Accruing			and Accruing			Nonaccrual			Past Due		Loans		Loans
	Commercial real estate-mortgage:
	Owner-occupied	$	431		$	-		$	494		$	925	$	65,218	$	66,143
	All other		-			-			924			924		65,797		66,721
	Consumer real estate-mortgage		712			-			964			1,676		68,235		69,911
	Construction and land development		48			-			22			70		38,900		38,970
	Commercial and industrial		552			-			1,692			2,244		37,538		39,782
	Consumer and other		2			-			-			2		2,652		2,654
	Total	$	1,745		$	-		$	4,096		$	5,841	$	278,340	$	284,181
		30-89 Days			Past Due 90
		Past Due and			Days or More						Total		Current		Total
	31-Dec-12	Accruing			and Accruing			Nonaccrual			Past Due		Loans		Loans
	Commercial real estate-mortgage:
	Owner-occupied	$	2,738		$	-		$	956		$	3,694	$	54,731	$	58,425
	All other		636			-			1,913			2,549		64,198		66,747
	Consumer real estate-mortgage		1,858			-			616			2,474		68,721		71,195
	Construction and land development		100			-			53			153		38,404		38,557
	Commercial and industrial		1,227			-			2,467			3,694		36,446		40,140
	Consumer and other		35			-			-			35		1,892		1,927
	Total	$	6,594		$	-		$	6,005		$	12,599	$	264,392	$	276,991
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	'
	The following tables present a summary of loans that were modified as troubled debt restructurings during the nine month periods ending September 30, 2013 and 2012 (amounts in thousands):
				Pre-Modification			Post-Modification
				Outstanding			Outstanding
				Recorded			Recorded
	30-Sep-13	Number of Contracts		Investment			Investment
	Commercial real estate-mortgage	2		$	2,073		$	2,073
	Consumer real estate-mortgage	1			66			66
	Construction and land development	3			898			898
	Commercial and industrial	3			2,389			2,389
				Pre-Modification			Post-Modification
				Outstanding			Outstanding
				Recorded			Recorded
	30-Sep-12	Number of Contracts		Investment			Investment
	Commercial real estate-mortgage	2		$	4,233		$	4,233
	Consumer real estate-mortgage	1			65			65
	Construction and land development	3			1,178			1,178
	Commercial and industrial	4			2,408			2,408

Commitments_and_Contingent_Lia1

Commitments and Contingent Liabilities (Tables)	9 Months Ended
	Sep. 30, 2013
Commitments and Contingencies Disclosure [Abstract]	'
Schedule of Fair Value, Off-balance Sheet Risks [Table Text Block]	'
	A summary of the Bank’s total contractual amount for all off-balance sheet commitments at September 30, 2013 is as follows:
	Commitments to extend credit	$	34.1 million
	Standby letters of credit	$	392.2 thousand

Fair_Value_Disclosures_Tables

Fair Value Disclosures (Tables)	9 Months Ended
	Sep. 30, 2013
Fair Value Disclosures [Abstract]	'
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	'
	Assets and liabilities recorded at fair value on a recurring basis are as follows.
				Quoted Prices in		Significant		Significant
				Active Markets		Other		Other
		Balance as of		for Identical		Observable		Unobservable
		September 30,		Assets		Inputs		Inputs
		2013		(Level 1)		(Level 2)		(Level 3)
	Debt securities available for sale:
	U.S. Government agencies	$	3,528,345	$	-	$	3,528,345	$	-
	State and municipal securities		17,694,356		-		17,694,356		-
	Mortgage-backed securities:
	Residential mortgage loans		7,903,524		-		7,903,524		-
	guaranteed by GNMA or FNMA
	Collateralized mortgage obligations		66,156,191		-		66,156,191		-
	issued or guaranteed by U.S.
	Government agencies or
	sponsored agencies
	Total securities available for sale	$	95,282,416	$	-	$	95,282,416	$	-
	Cash surrender value of life insurance	$	1,224,437	$	-	$	1,224,437	$	-
				Quoted Prices in		Significant		Significant
				Active Markets		Other		Other
		Balance as of		for Identical		Observable		Unobservable
		December 31,		Assets		Inputs		Inputs
		2012		(Level 1)		(Level 2)		(Level 3)
	Debt securities available for sale:
	U.S. Government agencies	$	4,018,151	$	-	$	4,018,151	$	-
	State and municipal securities		23,633,317		-		23,633,317		-
	Mortgage-backed securities:
	Residential mortgage loans		9,222,419		-		9,222,419		-
	guaranteed by GNMA or FNMA
	Collateralized mortgage obligations		39,222,759		-		39,222,759		-
	issued or guaranteed by U.S.
	Government agencies or
	sponsored agencies
	Total securities available for sale	$	76,096,646	$	-	$	76,096,646	$	-
	Cash surrender value of life insurance	$	1,199,725	$	-	$	1,199,725	$	-
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis [Table Text Block]	'
	The tables below present information about assets and liabilities on the balance sheet at September 30, 2013 and December 31, 2012 for which a nonrecurring change in fair value was recorded (amounts in thousands).
				Quoted Prices in		Significant		Significant
				Active Markets		Other		Other
		Balance as of		for Identical		Observable		Unobservable
		September 30,		Assets		Inputs		Inputs
		2013		(Level 1)		(Level 2)		(Level 3)
	Impaired loans	$	3,267	$	-	$	3,267	$	-
	Foreclosed assets (OREO & Repossessions)		14,924		-		14,924		-
				Quoted Prices in		Significant		Significant
				Active Markets		Other		Other
		Balance as of		for Identical		Observable		Unobservable
		December 31,		Assets		Inputs		Inputs
		2012		(Level 1)		(Level 2)		(Level 3)
	Impaired loans	$	4,869	$	-	$	4,869	$	-
	Foreclosed assets (OREO & Repossessions)		20,332		-		20,332		-
Fair Value, by Balance Sheet Grouping [Table Text Block]	'
	The carrying amount and estimated fair value of Cornerstone's financial instruments at September 30, 2013 and December  31, 2012 are as follows (in thousands):
		30-Sep-13				31-Dec-12
		Carrying		Estimated		Carrying		Estimated
		Amount		Fair Value		Amount		Fair Value
	Assets:
	Cash and cash equivalents	$	21,255	$	21,255	$	59,395	$	59,395
	Securities		95,319		95,320		76,142		76,143
	Federal Home Loan Bank stock		2,323		2,323		2,323		2,323
	Loans, net		281,022		281,403		270,850		271,128
	Cash surrender value of life insurance		1,224		1,224		1,200		1,200
	Accrued interest receivable		1,222		1,222		1,214		1,214
	Liabilities:
	Noninterest-bearing demand deposits		54,452		54,452		60,054		60,054
	Interest-bearing demand deposits		25,464		25,464		30,179		30,179
	Savings deposits and money market accounts		90,666		90,666		80,994		80,994
	Time deposits		170,174		171,541		173,654		175,177
	Federal funds purchased and securities		20,509		20,509		19,587		19,587
	sold under agreements to repurchase
	Federal Home Loan Bank advances		26,740		26,740		37,175		37,175
	and other borrowings
	Accrued interest payable		100		100		121		121
	Unrecognized financial instruments
	(net of contract amount):
	Commitments to extend credit		-		-		-		-
	Letters of credit		-		-		-		-
	Lines of credit		-		-		-		-

Presentation_of_Financial_Info3

Presentation of Financial Information (Details) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Basic earnings per common share calculation:	'	'	'	'
Numerator: Net income available to common shareholders	$35,703	$38,983	$98,172	$130,489
Denominator: Weighted avg. common shares outstanding (in shares)	6,547,074	6,500,396	6,547,074	6,500,396
Effect of dilutive stock options (in shares)	145,508	3,758	127,453	59,090
Diluted shares (in shares)	6,692,582	6,504,154	6,674,527	6,559,486
Basic earnings per common share (in dollars per share)	$0.01	$0.01	$0.01	$0.02
Diluted earnings per common share (in dollars per share)	$0.01	$0.01	$0.01	$0.02

Presentation_of_Financial_Info4

Presentation of Financial Information (Details Textual)	3 Months Ended	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2013
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	503,075	503,075

Stock_Based_Compensation_Detai

Stock Based Compensation (Details) (Officer and Employee Plans [Member], USD $)	9 Months Ended	12 Months Ended
	Sep. 30, 2013	Dec. 31, 2012
Officer and Employee Plans [Member]	'	'
Number, Outstanding (in shares)	670,300	'
Number, Granted (in shares)	203,000	'
Number, Exercised (in shares)	0	'
Number, Forfeited (in shares)	-57,475	'
Number, Outstanding (in shares)	815,825	670,300
Number, Options exercisable (in shares)	305,525	'
Weighted Average Exercisable Price, Outstanding (in dollars per share)	$3.86	'
Weighted Average Exercisable Price, Granted (in dollars per share)	$2.37	'
Weighted Average Exercisable Price, Exercised (in dollars per share)	$0	'
Weighted Average Exercisable Price, Forfeited (in dollars per share)	($3.51)	'
Weighted Average Exercisable Price Outstanding (in dollars per share)	$3.51	$3.86
Weighted Average Exercisable Price Options exercisable (in dollars per share)	$6.13	'
Weighted-Average Contractual Remaining Term, Outstanding (in years)	'6 years 9 months 18 days	'6 years 2 months 12 days
Weighted-Average Contractual Remaining Term, Granted (in years)	'9 years 4 months 24 days	'
Aggregate Intrinsic Value, Outstanding	$232,900	'
Aggregate Intrinsic Value, Outstanding	$207,030	$232,900

Stock_Based_Compensation_Detai1

Stock Based Compensation (Details 1) (Board Of Directors Plan [Member], USD $)	9 Months Ended	12 Months Ended
	Sep. 30, 2013	Dec. 31, 2012
Board Of Directors Plan [Member]	'	'
Number, Outstanding (in shares)	145,250	'
Number, Granted (in shares)	45,000	'
Number, Exercised (in shares)	0	'
Number, Forfeited (in shares)	0	'
Number, Outstanding (in shares)	190,250	145,250
Number, Options exercisable (in shares)	100,250	'
Weighted Average Exercisable Price, Outstanding (in dollars per share)	$3.30	'
Weighted Average Exercisable Price, Granted (in dollars per share)	$2.37	'
Weighted Average Exercisable Price, Exercised (in dollars per share)	$0	'
Weighted Average Exercisable Price, Forfeited (in dollars per share)	$0	'
Weighted Average Exercisable Price Outstanding (in dollars per share)	$3.08	$3.30
Weighted Average Exercisable Price Options exercisable (in dollars per share)	$4.04	'
Weighted-Average Contractual Remaining Term, Outstanding (in years)	'7 years 1 month 6 days	'7 years 2 months 12 days
Weighted-Average Contractual Remaining Term, Granted (in years)	'9 years 4 months 24 days	'
Aggregate Intrinsic Value, Outstanding	$57,600	'
Aggregate Intrinsic Value, Outstanding	$52,200	$57,600

Stock_Based_Compensation_Detai2

Stock Based Compensation (Details 2) (Board Of Directors Plan [Member])	9 Months Ended
	Sep. 30, 2013
Board Of Directors Plan [Member]	'
Dividend yield	0.00%
Expected life	'7 years
Expected volatility	47.60%
Risk-free interest rate	1.23%

Stock_Based_Compensation_Detai3

Stock Based Compensation (Details Textual) (USD $)	9 Months Ended
	Sep. 30, 2013
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value	$1.17
Stock or Unit Option Plan Expense	$97,000
Sharebased Compensation Arrangement by Share-based Payment Award, Options, Grants Date Maximum Term	'10 years
Officer and Employee Plans [Member]	'
Shares Held in Employee Stock Option Plan, Allocated	1,420,000
Incentive Stock Option Description	'The exercise price for incentive stock options must be not less than 100 percent of the fair market value of the common stock on the date of the grant.
Percentage Of Incentive Stock Options Vest On Second Anniversary Of Grant Date	30.00%
Percentage Of Incentive Stock Options Vest On Third Anniversary Of Grant Date	60.00%
Percentage Of Incentive Stock Options Vest On Fourth Anniversary Of Grant Date	100.00%
Percentage Of Nonqualified Stock Options Vest On First Anniversary Of Grant Date	50.00%
Percentage Of Nonqualified Stock Options Vest On Second Anniversary Of Grant Date	100.00%
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized	519,000
Board Of Directors Plan [Member]	'
Shares Held in Employee Stock Option Plan, Allocated	600,000
Percentage Of Nonqualified Stock Options Vest On First Anniversary Of Grant Date	50.00%
Percentage Of Nonqualified Stock Options Vest On Second Anniversary Of Grant Date	100.00%
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized	$97,000

Securities_Details

Securities (Details) (USD $)	9 Months Ended	12 Months Ended
	Sep. 30, 2013	Dec. 31, 2012
Debt securities available for sale:	'	'
Debt securities available for sale, Amortized Cost	$94,746,786	$73,737,456
Debt securities available for sale, Gross Unrealized Gains	892,271	2,375,922
Debt securities available for sale, Gross Unrealized Loss	-356,641	-16,732
Debt securities available for sale, Fair Value	95,282,416	76,096,646
Debt securities held to maturity, Fair Value	37,589	46,212
US Government Agencies Debt Securities [Member]	'	'
Debt securities available for sale:	'	'
Debt securities available for sale, Amortized Cost	3,479,680	3,961,956
Debt securities available for sale, Gross Unrealized Gains	48,665	56,195
Debt securities available for sale, Gross Unrealized Loss	0	0
Debt securities available for sale, Fair Value	3,528,345	4,018,151
US States and Political Subdivisions Debt Securities [Member]	'	'
Debt securities available for sale:	'	'
Debt securities available for sale, Amortized Cost	17,065,923	21,531,727
Debt securities available for sale, Gross Unrealized Gains	683,599	2,101,590
Debt securities available for sale, Gross Unrealized Loss	-55,166	0
Debt securities available for sale, Fair Value	17,694,356	23,633,317
Residential Mortgage Backed Securities [Member]	'	'
Debt securities available for sale:	'	'
Debt securities available for sale, Amortized Cost	7,797,244	9,092,205
Debt securities available for sale, Gross Unrealized Gains	106,280	132,038
Debt securities available for sale, Gross Unrealized Loss	0	-1,824
Debt securities available for sale, Fair Value	7,903,524	9,222,419
Debt securities held to maturity, Amortized Cost	36,620	45,086
Debt securities held to maturity, Unrecognized Gain	969	1,341
Debt securities held to maturity, Unrecognized Loss	0	-8
Debt securities held to maturity, Fair Value	37,589	46,212
Collateralized Debt Obligations [Member]	'	'
Debt securities available for sale:	'	'
Debt securities available for sale, Amortized Cost	66,403,939	39,151,568
Debt securities available for sale, Gross Unrealized Gains	53,727	86,099
Debt securities available for sale, Gross Unrealized Loss	-301,475	-14,908
Debt securities available for sale, Fair Value	$66,156,191	$39,222,759

Securities_Details_1

Securities (Details 1) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Securities Available-for-Sale, Due in one year or less, Amortized Cost	$0	'
Securities Available-for-Sale, Due from one year to five years, Amortized Cost	1,267,124	'
Securities Available-for-Sale, Due from five years to ten years, Amortized Cost	6,310,901	'
Securities Available-for-Sale, Due after ten years, Amortized Cost	12,967,578	'
Securities Available-for-Sale, Debt securities, Amortized Cost	20,545,603	'
Securities Available-for-Sale, Mortgage-backed securities, Amortized Cost	74,201,183	'
Securities Available-for-Sale, Amortized Cost	94,746,786	'
Securities Available-for-Sale, Due in one year or less, Fair Value	0	'
Securities Available-for-Sale, Due from one year to five years, Fair Value	1,338,576	'
Securities Available-for-Sale, Due from five years to ten years, Fair Value	6,648,634	'
Securities Available-for-Sale, Due after ten years, Fair Value	13,235,491	'
Securities Available-for-Sale, Debt securities, Fair Value	21,222,701	'
Securities Available-for-Sale, Mortgage-backed securities, Fair Value	74,059,715	'
Securities Available-for-Sale, Fair Value	95,282,416	76,096,646
Securities Held to Maturity, Due in one year or less, Amortized Cost	0	'
Securities Held to Maturity, Due from one year to five years, Amortized Cost	0	'
Securities Held to Maturity, Due from five years to ten years, Amortized Cost	0	'
Securities Held to Maturity, Due after ten years, Amortized Cost	0	'
Securities Held to Maturity, Debt securities, Amortized Cost	0	'
Securities Held to Maturity, Mortgage-backed securities, Amortized Cost	36,620	'
Securities Held to Maturity, Amortized Cost	36,620	45,086
Securities Held to Maturity, Due in one year or less, Fair Value	0	'
Securities Held to Maturity, Due from one year to five years, Fair Value	0	'
Securities Held to Maturity, Due from five years to ten years, Fair Value	0	'
Securities Held to Maturity, Due after ten years, Fair Value	0	'
Securities Held to Maturity, Debt securities, Fair Value	0	'
Securities Held to Maturity, Mortgage-backed securities, Fair Value	37,589	'
Securities Held to Maturity, Fair Value	$37,589	$46,212

Securities_Details_2

Securities (Details 2) (USD $)	9 Months Ended	12 Months Ended
	Sep. 30, 2013	Dec. 31, 2012
Less than 12 Months, Fair Value	$49,574,401	$23,181,966
Less than 12 Months, Gross Unrealized Losses	-318,984	-16,732
12 Months or Greater, Fair Value	9,597,127	0
12 Months or Greater, Gross Unrealized Losses	-37,657	0
Total, Fair Value	59,171,528	23,181,966
Total, Gross Unrealized Losses	-356,641	-16,732
US States and Political Subdivisions Debt Securities [Member]	'	'
Less than 12 Months, Fair Value	1,138,535	'
Less than 12 Months, Gross Unrealized Losses	-40,736	'
12 Months or Greater, Fair Value	554,465	'
12 Months or Greater, Gross Unrealized Losses	-14,430	'
Total, Fair Value	1,693,000	'
Total, Gross Unrealized Losses	-55,166	'
Residential Mortgage Backed Securities [Member]	'	'
Less than 12 Months, Fair Value	'	667,325
Less than 12 Months, Gross Unrealized Losses	'	-1,824
12 Months or Greater, Fair Value	'	0
12 Months or Greater, Gross Unrealized Losses	'	0
Total, Fair Value	'	667,325
Total, Gross Unrealized Losses	'	-1,824
Collateralized Debt Obligations [Member]	'	'
Less than 12 Months, Fair Value	48,435,866	22,514,641
Less than 12 Months, Gross Unrealized Losses	-278,248	-14,908
12 Months or Greater, Fair Value	9,042,662	0
12 Months or Greater, Gross Unrealized Losses	-23,227	0
Total, Fair Value	57,478,528	22,514,641
Total, Gross Unrealized Losses	($301,475)	($14,908)

Securities_Details_Textual

Securities (Details Textual) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Total Fair Value Of Federal Funds Pledged	$73,000,000	'	$73,000,000	'
Securities available for sale	'	'	5,328,170	'
Net gains from sale of securities	$0	$0	$424,971	$0

Loans_and_Allowance_for_Loan_L2

Loans and Allowance for Loan Losses (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Dec. 31, 2011
Total Loans	$284,181,000	$276,991,000	'
Less: Allowance for loan losses	-3,158,766	-6,141,281	-7,400,000
Loans, net	281,021,767	270,850,465	'
Total Loans Percentage	100.00%	100.00%	'
Commercial Real Estate Owner Occupied [Member]	'	'	'
Total Loans	66,143,000	58,425,000	'
Total Loans Percentage	23.28%	21.09%	'
Commercial Real Estate All Other [Member]	'	'	'
Total Loans	66,721,000	66,747,000	'
Total Loans Percentage	23.48%	24.10%	'
Consumer Real Estate Mortgage [Member]	'	'	'
Total Loans	69,911,000	71,195,000	'
Less: Allowance for loan losses	-1,056,000	-1,528,000	-2,518,000
Total Loans Percentage	24.60%	25.70%	'
Construction and Land Development [Member]	'	'	'
Total Loans	38,970,000	38,557,000	'
Less: Allowance for loan losses	-339,000	-1,241,000	-827,000
Total Loans Percentage	13.71%	13.92%	'
Commercial and Industrial Loans [Member]	'	'	'
Total Loans	39,782,000	40,140,000	'
Less: Allowance for loan losses	-278,000	-809,000	-482,000
Total Loans Percentage	14.00%	14.49%	'
Consumer and Other Loans [Member]	'	'	'
Total Loans	2,654,000	1,927,000	'
Less: Allowance for loan losses	($20,000)	($14,000)	($16,000)
Total Loans Percentage	0.93%	0.70%	'

Loans_and_Allowance_for_Loan_L3

Loans and Allowance for Loan Losses (Details 1) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Total	$284,181	$276,991
Commercial Real Estate Mortgage [Member]	'	'
Total	132,864	125,172
Consumer Real Estate Mortgage [Member]	'	'
Total	69,911	71,195
Construction and Land Development [Member]	'	'
Total	38,970	38,557
Commercial and Industrial Loans [Member]	'	'
Total	39,782	40,140
Consumer and Other Loans [Member]	'	'
Total	2,654	1,927
Performing Loans [Member]	'	'
Total	271,761	261,802
Performing Loans [Member] | Commercial Real Estate Mortgage [Member]	'	'
Total	125,418	115,959
Performing Loans [Member] | Consumer Real Estate Mortgage [Member]	'	'
Total	66,950	69,329
Performing Loans [Member] | Construction and Land Development [Member]	'	'
Total	38,712	37,607
Performing Loans [Member] | Commercial and Industrial Loans [Member]	'	'
Total	38,027	36,980
Performing Loans [Member] | Consumer and Other Loans [Member]	'	'
Total	2,654	1,927
Impaired Loans [Member]	'	'
Total	12,420	15,189
Impaired Loans [Member] | Commercial Real Estate Mortgage [Member]	'	'
Total	7,446	9,213
Impaired Loans [Member] | Consumer Real Estate Mortgage [Member]	'	'
Total	2,961	1,866
Impaired Loans [Member] | Construction and Land Development [Member]	'	'
Total	258	950
Impaired Loans [Member] | Commercial and Industrial Loans [Member]	'	'
Total	1,755	3,160
Impaired Loans [Member] | Consumer and Other Loans [Member]	'	'
Total	$0	$0

Loans_and_Allowance_for_Loan_L4

Loans and Allowance for Loan Losses (Details 2) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Dec. 31, 2011
Total	$3,158,766	$6,141,281	$7,400,000
Commercial Real Estate Mortgage [Member]	'	'	'
Total	1,466,000	2,549,000	3,557,000
Consumer Real Estate Mortgage [Member]	'	'	'
Total	1,056,000	1,528,000	2,518,000
Construction and Land Development [Member]	'	'	'
Total	339,000	1,241,000	827,000
Commercial and Industrial Loans [Member]	'	'	'
Total	278,000	809,000	482,000
Consumer and Other Loans [Member]	'	'	'
Total	20,000	14,000	16,000
Performing Loans [Member]	'	'	'
Total	2,261,000	2,095,000	'
Performing Loans [Member] | Commercial Real Estate Mortgage [Member]	'	'	'
Total	784,000	319,000	'
Performing Loans [Member] | Consumer Real Estate Mortgage [Member]	'	'	'
Total	922,000	952,000	'
Performing Loans [Member] | Construction and Land Development [Member]	'	'	'
Total	339,000	781,000	'
Performing Loans [Member] | Commercial and Industrial Loans [Member]	'	'	'
Total	196,000	29,000	'
Performing Loans [Member] | Consumer and Other Loans [Member]	'	'	'
Total	20,000	14,000	'
Impaired Loans [Member]	'	'	'
Total	898,000	4,046,000	'
Impaired Loans [Member] | Commercial Real Estate Mortgage [Member]	'	'	'
Total	682,000	2,230,000	'
Impaired Loans [Member] | Consumer Real Estate Mortgage [Member]	'	'	'
Total	134,000	576,000	'
Impaired Loans [Member] | Construction and Land Development [Member]	'	'	'
Total	0	460,000	'
Impaired Loans [Member] | Commercial and Industrial Loans [Member]	'	'	'
Total	82,000	780,000	'
Impaired Loans [Member] | Consumer and Other Loans [Member]	'	'	'
Total	$0	$0	'

Loans_and_Allowance_for_Loan_L5

Loans and Allowance for Loan Losses (Details 3) (USD $)	9 Months Ended		12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Beginning balance	$6,141,281	$7,400,000	$7,400,000
Charged-off loans	-4,460,000	'	-2,869,000
Recovery of charge-offs	1,178,000	'	1,180,000
Provision for (reallocation of) loan losses	300,000	100,000	430,000
Ending balance	3,158,766	'	6,141,281
Commercial Real Estate Mortgage [Member]	'	'	'
Beginning balance	2,549,000	3,557,000	3,557,000
Charged-off loans	-1,874,000	'	-958,000
Recovery of charge-offs	61,000	'	838,000
Provision for (reallocation of) loan losses	730,000	'	-888,000
Ending balance	1,466,000	'	2,549,000
Consumer Real Estate Mortgage [Member]	'	'	'
Beginning balance	1,528,000	2,518,000	2,518,000
Charged-off loans	-688,000	'	-1,022,000
Recovery of charge-offs	224,000	'	36,000
Provision for (reallocation of) loan losses	-8,000	'	-4,000
Ending balance	1,056,000	'	1,528,000
Construction and Land Development [Member]	'	'	'
Beginning balance	1,241,000	827,000	827,000
Charged-off loans	-1,185,000	'	-782,000
Recovery of charge-offs	810,000	'	145,000
Provision for (reallocation of) loan losses	-527,000	'	1,051,000
Ending balance	339,000	'	1,241,000
Commercial and Industrial Loans [Member]	'	'	'
Beginning balance	809,000	482,000	482,000
Charged-off loans	-694,000	'	-74,000
Recovery of charge-offs	80,000	'	144,000
Provision for (reallocation of) loan losses	83,000	'	257,000
Ending balance	278,000	'	809,000
Consumer and Other Loans [Member]	'	'	'
Beginning balance	14,000	16,000	16,000
Charged-off loans	-19,000	'	-33,000
Recovery of charge-offs	3,000	'	17,000
Provision for (reallocation of) loan losses	22,000	'	14,000
Ending balance	$20,000	'	$14,000

Loans_and_Allowance_for_Loan_L6

Loans and Allowance for Loan Losses (Details 4) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Loans and Leases Receivable, Gross, Carrying Amount	$284,181	$276,991
Commercial Real Estate Mortgage [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	132,864	125,172
Consumer Real Estate Mortgage [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	69,911	71,195
Construction and Land Development [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	38,970	38,557
Commercial and Industrial Loans [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	39,782	40,140
Consumer and Other Loans [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	2,654	1,927
Pass [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	253,485	244,460
Pass [Member] | Commercial Real Estate Mortgage [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	120,812	111,313
Pass [Member] | Consumer Real Estate Mortgage [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	58,536	57,959
Pass [Member] | Construction and Land Development [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	38,027	36,802
Pass [Member] | Commercial and Industrial Loans [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	33,456	36,482
Pass [Member] | Consumer and Other Loans [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	2,654	1,904
Special Mention [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	13,786	13,092
Special Mention [Member] | Commercial Real Estate Mortgage [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	4,209	4,145
Special Mention [Member] | Consumer Real Estate Mortgage [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	5,377	8,401
Special Mention [Member] | Construction and Land Development [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	95	198
Special Mention [Member] | Commercial and Industrial Loans [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	4,105	330
Special Mention [Member] | Consumer and Other Loans [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	0	18
Substandard [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	4,490	4,250
Substandard [Member] | Commercial Real Estate Mortgage [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	397	501
Substandard [Member] | Consumer Real Estate Mortgage [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	3,037	2,969
Substandard [Member] | Construction and Land Development [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	590	607
Substandard [Member] | Commercial and Industrial Loans [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	466	168
Substandard [Member] | Consumer and Other Loans [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	0	5
Substandard Impaired [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	12,138	15,189
Substandard Impaired [Member] | Commercial Real Estate Mortgage [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	7,164	9,213
Substandard Impaired [Member] | Consumer Real Estate Mortgage [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	2,961	1,866
Substandard Impaired [Member] | Construction and Land Development [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	258	950
Substandard Impaired [Member] | Commercial and Industrial Loans [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	1,755	3,160
Substandard Impaired [Member] | Consumer and Other Loans [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	0	0
Doubtful [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	282	'
Doubtful [Member] | Commercial Real Estate Mortgage [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	282	'
Doubtful [Member] | Consumer Real Estate Mortgage [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	0	'
Doubtful [Member] | Construction and Land Development [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	0	'
Doubtful [Member] | Commercial and Industrial Loans [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	0	'
Doubtful [Member] | Consumer and Other Loans [Member]	'	'
Loans and Leases Receivable, Gross, Carrying Amount	$0	'

Loans_and_Allowance_for_Loan_L7

Loans and Allowance for Loan Losses (Details 5) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Impaired loans without a valuation allowance, Recorded Investment	$8,255	$6,274
Impaired loans without a valuation allowance, Unpaid Principal Balance	8,530	6,399
Impaired loans without a valuation allowance, Related Allowance	0	0
Impaired loans without a valuation allowance, Average Recorded Investment	8,761	8,562
Impaired loans without a valuation allowance, Interest Income Recognized	298	306
Impaired loans with a valuation allowance, Recorded Investment	4,165	8,915
Impaired loans with a valuation allowance, Unpaid Principal Balance	4,240	8,956
Impaired loans with a valuation allowance, Related Allowance	898	4,046
Impaired loans with a valuation allowance, Average Recorded Investment	6,816	10,564
Impaired loans with a valuation allowance, Interest Income Recognized	213	457
Total impaired loans, Recorded Investment	12,420	15,189
Total impaired loans, Unpaid Principal Balance	12,770	15,355
Total impaired loans, Related Allowance	898	4,046
Total impaired loans, Average Recorded Investment	15,577	19,126
Total impaired loans, Interest Income Recognized	511	763
Commercial Real Estate Mortgage [Member]	'	'
Impaired loans without a valuation allowance, Recorded Investment	4,578	3,406
Impaired loans without a valuation allowance, Unpaid Principal Balance	4,797	3,453
Impaired loans without a valuation allowance, Related Allowance	0	0
Impaired loans without a valuation allowance, Average Recorded Investment	4,683	4,389
Impaired loans without a valuation allowance, Interest Income Recognized	183	180
Impaired loans with a valuation allowance, Recorded Investment	2,868	5,807
Impaired loans with a valuation allowance, Unpaid Principal Balance	2,943	5,848
Impaired loans with a valuation allowance, Related Allowance	682	2,230
Impaired loans with a valuation allowance, Average Recorded Investment	4,670	6,616
Impaired loans with a valuation allowance, Interest Income Recognized	126	215
Consumer Real Estate Mortgage [Member]	'	'
Impaired loans without a valuation allowance, Recorded Investment	2,066	513
Impaired loans without a valuation allowance, Unpaid Principal Balance	2,066	540
Impaired loans without a valuation allowance, Related Allowance	0	0
Impaired loans without a valuation allowance, Average Recorded Investment	1,854	1,538
Impaired loans without a valuation allowance, Interest Income Recognized	73	52
Impaired loans with a valuation allowance, Recorded Investment	895	1,353
Impaired loans with a valuation allowance, Unpaid Principal Balance	895	1,353
Impaired loans with a valuation allowance, Related Allowance	134	576
Impaired loans with a valuation allowance, Average Recorded Investment	1,110	2,606
Impaired loans with a valuation allowance, Interest Income Recognized	49	61
Construction and Land Development [Member]	'	'
Impaired loans without a valuation allowance, Recorded Investment	258	244
Impaired loans without a valuation allowance, Unpaid Principal Balance	271	251
Impaired loans without a valuation allowance, Related Allowance	0	0
Impaired loans without a valuation allowance, Average Recorded Investment	349	358
Impaired loans without a valuation allowance, Interest Income Recognized	11	19
Impaired loans with a valuation allowance, Recorded Investment	0	706
Impaired loans with a valuation allowance, Unpaid Principal Balance	0	706
Impaired loans with a valuation allowance, Related Allowance	0	460
Impaired loans with a valuation allowance, Average Recorded Investment	296	642
Impaired loans with a valuation allowance, Interest Income Recognized	0	49
Commercial and Industrial Loans [Member]	'	'
Impaired loans without a valuation allowance, Recorded Investment	1,353	2,111
Impaired loans without a valuation allowance, Unpaid Principal Balance	1,396	2,155
Impaired loans without a valuation allowance, Related Allowance	0	0
Impaired loans without a valuation allowance, Average Recorded Investment	1,875	2,277
Impaired loans without a valuation allowance, Interest Income Recognized	31	55
Impaired loans with a valuation allowance, Recorded Investment	402	1,049
Impaired loans with a valuation allowance, Unpaid Principal Balance	402	1,049
Impaired loans with a valuation allowance, Related Allowance	82	780
Impaired loans with a valuation allowance, Average Recorded Investment	740	700
Impaired loans with a valuation allowance, Interest Income Recognized	$38	$132

Loans_and_Allowance_for_Loan_L8

Loans and Allowance for Loan Losses (Details 6) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
30-89 Days Past Due and Accruing	$1,745	$6,594
Past Due 90 Days or More and Accruing	0	0
Nonaccrual	4,096	6,005
Total Past Due	5,841	12,599
Current Loans	278,340	264,392
Total Loans	284,181	276,991
Commercial Real Estate Owner Occupied [Member]	'	'
30-89 Days Past Due and Accruing	431	2,738
Past Due 90 Days or More and Accruing	0	0
Nonaccrual	494	956
Total Past Due	925	3,694
Current Loans	65,218	54,731
Total Loans	66,143	58,425
Commercial Real Estate All Other [Member]	'	'
30-89 Days Past Due and Accruing	0	636
Past Due 90 Days or More and Accruing	0	0
Nonaccrual	924	1,913
Total Past Due	924	2,549
Current Loans	65,797	64,198
Total Loans	66,721	66,747
Consumer Real Estate Mortgage [Member]	'	'
30-89 Days Past Due and Accruing	712	1,858
Past Due 90 Days or More and Accruing	0	0
Nonaccrual	964	616
Total Past Due	1,676	2,474
Current Loans	68,235	68,721
Total Loans	69,911	71,195
Construction and Land Development [Member]	'	'
30-89 Days Past Due and Accruing	48	100
Past Due 90 Days or More and Accruing	0	0
Nonaccrual	22	53
Total Past Due	70	153
Current Loans	38,900	38,404
Total Loans	38,970	38,557
Commercial and Industrial Loans [Member]	'	'
30-89 Days Past Due and Accruing	552	1,227
Past Due 90 Days or More and Accruing	0	0
Nonaccrual	1,692	2,467
Total Past Due	2,244	3,694
Current Loans	37,538	36,446
Total Loans	39,782	40,140
Consumer and Other Loans [Member]	'	'
30-89 Days Past Due and Accruing	2	35
Past Due 90 Days or More and Accruing	0	0
Nonaccrual	0	0
Total Past Due	2	35
Current Loans	2,652	1,892
Total Loans	$2,654	$1,927

Loans_and_Allowance_for_Loan_L9

Loans and Allowance for Loan Losses (Details 7) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
	Contract	Contract
Commercial Real Estate Mortgage [Member]	'	'
Number of Contracts	2	2
Pre-Modification Outstanding Recorded Investment	$2,073	$4,233
Post-Modification Outstanding Recorded Investment	2,073	4,233
Consumer Real Estate Mortgage [Member]	'	'
Number of Contracts	1	1
Pre-Modification Outstanding Recorded Investment	66	65
Post-Modification Outstanding Recorded Investment	66	65
Construction and Land Development [Member]	'	'
Number of Contracts	3	3
Pre-Modification Outstanding Recorded Investment	898	1,178
Post-Modification Outstanding Recorded Investment	898	1,178
Commercial and Industrial Loans [Member]	'	'
Number of Contracts	3	4
Pre-Modification Outstanding Recorded Investment	2,389	2,408
Post-Modification Outstanding Recorded Investment	$2,389	$2,408

Recovered_Sheet1

Loans and Allowance for Loan Losses (Details Textual) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Description Of Bank's Loan Grading Process	'The Bank’s loan grading process is as follows: All loans are assigned a loan grade at the time of origination by the relationship manager. Typically, a loan is assigned a loan grade of “pass” at origination. Loan relationships greater than or equal to $500 thousand are reviewed by the Bank’s external loan review provider on an annual basis. The Bank’s internal loan review department samples approximately 33 percent of all other loan relationships less than $500 thousand on an annual basis for review. If a loan is delinquent 60 days or more or a pattern of delinquency exists, the loan will be selected for review. Generally, all loans on the Bank’s internal watchlist are reviewed annually by internal loan review or external loan review providers.	'
Financing Receivable, Modifications, Recorded Investment	$6,119,000	$9,403,000

Commitments_and_Contingent_Lia2

Commitments and Contingent Liabilities (Details) (USD $)	Sep. 30, 2013
Commitments to Extend Credit [Member]	'
Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability	$34,100,000
Standby Letters of Credit [Member]	'
Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability	$392,200

Fair_Value_Disclosures_Details

Fair Value Disclosures (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Total securities available for sale	$95,282,416	$76,096,646
Cash surrender value of life insurance	1,224,437	1,199,725
Fair Value, Inputs, Level 1 [Member]	'	'
Total securities available for sale	0	0
Cash surrender value of life insurance	0	0
Fair Value, Inputs, Level 2 [Member]	'	'
Total securities available for sale	95,282,416	76,096,646
Cash surrender value of life insurance	1,224,437	1,199,725
Fair Value, Inputs, Level 3 [Member]	'	'
Total securities available for sale	0	0
Cash surrender value of life insurance	0	0
US Government Agencies Debt Securities [Member]	'	'
Total securities available for sale	3,528,345	4,018,151
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Total securities available for sale	0	0
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Total securities available for sale	3,528,345	4,018,151
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Total securities available for sale	0	0
US States and Political Subdivisions Debt Securities [Member]	'	'
Total securities available for sale	17,694,356	23,633,317
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Total securities available for sale	0	0
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Total securities available for sale	17,694,356	23,633,317
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Total securities available for sale	0	0
Residential Mortgage Backed Securities [Member]	'	'
Total securities available for sale	7,903,524	9,222,419
Residential Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Total securities available for sale	0	0
Residential Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Total securities available for sale	7,903,524	9,222,419
Residential Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Total securities available for sale	0	0
Collateralized Debt Obligations [Member]	'	'
Total securities available for sale	66,156,191	39,222,759
Collateralized Debt Obligations [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Total securities available for sale	0	0
Collateralized Debt Obligations [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Total securities available for sale	66,156,191	39,222,759
Collateralized Debt Obligations [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Total securities available for sale	$0	$0

Fair_Value_Disclosures_Details1

Fair Value Disclosures (Details 1) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Impaired loans	$3,267	$4,869
Foreclosed assets (OREO & Repossessions)	14,924	20,332
Fair Value, Inputs, Level 1 [Member]	'	'
Impaired loans	0	0
Foreclosed assets (OREO & Repossessions)	0	0
Fair Value, Inputs, Level 2 [Member]	'	'
Impaired loans	3,267	4,869
Foreclosed assets (OREO & Repossessions)	14,924	20,332
Fair Value, Inputs, Level 3 [Member]	'	'
Impaired loans	0	0
Foreclosed assets (OREO & Repossessions)	$0	$0

Fair_Value_Disclosures_Details2

Fair Value Disclosures (Details 2) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Dec. 31, 2011
Assets:	'	'	'	'
Cash and cash equivalents, Carrying Amount	$21,254,990	$59,395,238	$34,831,533	$38,882,691
Securities, Carrying Amount	95,319,000	76,142,000	'	'
Federal Home Loan Bank stock, Carrying Amount	2,322,900	2,322,900	'	'
Loans, net, Carrying Amount	281,021,767	270,850,465	'	'
Cash surrender value of life insurance, Carrying Amount	1,224,000	1,200,000	'	'
Accrued interest receivable, Carrying Amount	1,221,841	1,213,778	'	'
Cash and cash equivalents, Estimated Fair Value	21,255,000	59,395,000	'	'
Securities, Estimated Fair Value	95,320,000	76,143,000	'	'
Federal Home Loan Bank stock, Estimated Fair Value	2,323,000	2,323,000	'	'
Loans, net, Estimated Fair Value	281,403,000	271,128,000	'	'
Cash surrender value of life insurance, Estimated Fair Value	1,224,437	1,199,725	'	'
Accrued interest receivable, Estimated Fair Value	1,222,000	1,214,000	'	'
Liabilities:	'	'	'	'
Noninterest-bearing demand deposits, Carrying Amount	54,452,293	60,053,838	'	'
Interest-bearing demand deposits, Carrying Amount	25,463,874	30,178,624	'	'
Savings deposits and money market accounts, Carrying Amount	90,665,979	80,994,239	'	'
Time deposits, Carrying Amount	170,174,142	173,653,892	'	'
Federal funds purchased and securities sold under agreements to repurchase, Carrying Amount	20,508,655	19,587,387	'	'
Federal Home Loan Bank advances and other borrowings, Carrying Amount	26,740,000	37,175,000	'	'
Accrued interest payable, Carrying Amount	100,129	120,558	'	'
Noninterest-bearing demand deposits, Estimated Fair Value	54,452,000	60,054,000	'	'
Interest-bearing demand deposits, Estimated Fair Value	25,464,000	30,179,000	'	'
Savings deposits and money market accounts, Estimated Fair Value	90,666,000	80,994,000	'	'
Time deposits, Estimated Fair Value	171,541,000	175,177,000	'	'
Federal funds purchased and securities sold under agreements to repurchase, Estimated Fair Value	20,509,000	19,587,000	'	'
Federal Home Loan Bank advances and other borrowings, Estimated Fair Value	26,740,000	37,175,000	'	'
Accrued interest payable, Estimated Fair Value	100,000	121,000	'	'
Unrecognized financial instruments (net of contract amount):	'	'	'	'
Commitments to extend credit, Carrying Amount	0	0	'	'
Letters of credit, Carrying Amount	0	0	'	'
Lines of credit, Carrying Amount	0	0	'	'
Commitments to extend credit, Estimated Fair Value	0	0	'	'
Letters of credit, Estimated Fair Value	0	0	'	'
Lines of credit, Estimated Fair Value	$0	$0	'	'