OptimumBank (OPHC) 10-K 31 Mar 14 2013 FY Annual report Financial data

Document_and_Entity_Informatio

Document and Entity Information (USD $)	12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2013	Mar. 15, 2014	Jun. 28, 2013
Document And Entity Information	'	'	'
Entity Registrant Name	'OptimumBank Holdings, Inc.	'	'
Entity Central Index Key	'0001288855	'	'
Document Type	'10-K	'	'
Document Period End Date	31-Dec-13	'	'
Amendment Flag	'false	'	'
Current Fiscal Year End Date	'--12-31	'	'
Is Entity a Well-known Seasoned Issuer?	'No	'	'
Is Entity a Voluntary Filer?	'No	'	'
Is Entity's Reporting Status Current?	'Yes	'	'
Entity Filer Category	'Smaller Reporting Company	'	'
Entity Non-Affiliated Shares Outstanding	'	'	6,462,927
Entity Market Price	'	'	$1.55
Entity Public Float	'	'	$10,018
Entity Common Stock, Par Value Per Share	$0.01	'	'
Entity Common Stock, Shares Outstanding	'	8,011,077	'
Document Fiscal Period Focus	'FY	'	'
Document Fiscal Year Focus	'2013	'	'

Consolidated_Balance_Sheets

Consolidated Balance Sheets (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Assets	'	'
Cash and due from banks	$5,451	$4,541
Interest-bearing deposits with banks	8,430	19,070
Total cash and cash equivalents	13,881	23,611
Securities available for sale	22,990	18,648
Loans, net of allowance for loan losses of $2,211 and $2,459	79,249	85,209
Federal Home Loan Bank stock	1,196	1,478
Premises and equipment, net	2,879	2,906
Foreclosed real estate, net	7,553	10,938
Accrued interest receivable	496	499
Other assets	539	454
Total assets	128,783	143,743
Liabilities and Stockholders' Equity	'	'
Noninterest-bearing demand deposits	3,775	4,626
Savings, NOW and money-market deposits	30,801	34,153
Time deposits	64,116	62,832
Total deposits	98,692	101,611
Federal Home Loan Bank advances	22,740	27,700
Junior subordinated debenture	5,155	5,155
Advanced payment by borrowers for taxes and insurance	315	461
Official checks	344	581
Other liabilities	1,753	1,325
Total liabilities	128,999	136,833
Commitments and contingencies (Notes 4, 8, 13 and 15)	'	'
Stockholders' (deficit) equity:	'	'
Preferred stock, no par value; 6,000,000 shares authorized, no shares issued or outstanding	0	0
Common stock, $.01 par value; 50,000,000 shares authorized in 2013 and 2012, 8,011,077 and 31,511,201 shares issued and outstanding in 2013 and 2012	80	315
Additional paid-in capital	31,463	31,057
Accumulated deficit	-31,763	-24,688
Accumulated other comprehensive income	4	226
Total stockholders' (deficit) equity	-216	6,910
Total liabilities and stockholders' (deficit) equity	$128,783	$143,743

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets (Parenthetical) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, except Share data, unless otherwise specified
Statement of Financial Position [Abstract]	'	'
Loans, allowance for loan losses	$2,211	$2,459
Preferred stock, par value	$0	$0
Preferred stock, shares authorized	6,000,000	6,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value	$0.01	$0.01
Common stock, shares authorized	50,000,000	50,000,000
Common stock, shares issued	8,011,077	31,511,201
Common stock, shares outstanding	8,011,077	31,511,201

Consolidated_Statements_of_Ope

Consolidated Statements of Operations (USD $)	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Interest income:	'	'
Loans	$4,433	$4,040
Securities	783	1,038
Other	64	84
Total interest income	5,280	5,162
Interest expense:	'	'
Deposits	842	1,103
Borrowings	1,077	1,478
Total interest expense	1,919	2,581
Net interest income	3,361	2,581
Provision for loan losses	2,194	1,653
Net interest income after provision for loan losses	1,167	928
Noninterest income:	'	'
Service charges and fees	122	72
Other	42	186
Loss on sale of securities	-20	0
Total noninterest income	144	258
Noninterest expenses:	'	'
Salaries and employee benefits	2,081	1,746
Occupancy and equipment	536	512
Data processing	310	229
Professional fees	1,082	1,114
Insurance	270	285
Foreclosed real estate expenses	1,262	550
Regulatory assessment	334	305
Loss of early extinguishment of debt	1,548	0
Other	281	733
Total noninterest expenses	7,704	5,474
Other-than-temporary impairment on securities:	'	'
Total other-than-temporary impairment losses	362	409
Portion of losses recognized in other comprehensive income	0	0
Net impairment loss	362	409
Loss before income taxes	-6,755	-4,697
Income taxes	320	0
Net loss	($7,075)	($4,697)
Net loss per share:	'	'
Basic	($0.89)	($0.69)
Diluted	($0.89)	($0.69)

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Loss (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Statement of Comprehensive Income [Abstract]	'	'
Net loss	($7,075)	($4,697)
Unrealized gains (loss) on securities available for sale:	'	'
Unrealized holding gains arising during the year	160	1,573
Reclassification adjustment for other-than-temporary impairment losses recognized	362	409
Loss on sale of securitives available for sale	20	'
Net change in unrealized gain	-222	1,164
Comprehensive loss	($7,297)	($3,533)

Consolidated_Statements_of_Sto

Consolidated Statements of Stockholders' (Deficit) Equity (USD $)	Common Stock	Additional Paid-In Capital	Accumulated Deficit	Accumulated Other Comprehensiv Income (Loss)	Total
In Thousands, except Share data
Balance beginning at Dec. 31, 2011	$224	$27,491	($19,991)	($938)	$6,786
Balance beginning, shares at Dec. 31, 2011	22,411,108	'	'	'	'
Proceeds from sale of common stock	90	3,539	'	'	'
Proceeds from sale of common stock, shares	9,047,500	'	'	'	'
Net change in unrealized loss on securities available for sale	'	'	'	1,164	1,164
Net loss	'	'	-4,697	'	-4,697
Balance ending at Dec. 31, 2012	315	31,057	-24,688	226	6,910
Balance ending, shares at Dec. 31, 2012	31,511,201	'	'	'	'
Reverse one-for-four common share split	-236	236	'	'	'
Reverse one-for-four common share split, shares	-23,633,164	'	'	'	'
Proceeds from sale of common stock	1	123	'	'	'
Proceeds from sale of common stock, shares	104,166	'	'	'	'
Common stock issued as compensation to directors	'	47	'	'	'
Common stock issued as compensation to directors, shares	28,874	'	'	'	'
Net change in unrealized loss on securities available for sale	'	'	'	-222	-222
Net loss	'	'	-7,075	'	-7,075
Balance ending at Dec. 31, 2013	$80	$31,463	($31,763)	$4	($216)
Balance ending, shares at Dec. 31, 2013	8,011,077	'	'	'	'

Consolidated_Statements_of_Sto1

Consolidated Statements of Stockholders' (Deficit) Equity (Parenthetical)	12 Months Ended
	Dec. 31, 2013
Statement of Stockholders' Equity [Abstract]	'
Reverse split ratio	0.25

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Cash flows from operating activities:	'	'
Net loss	($7,075)	($4,697)
Adjustments to reconcile net loss to net cash used in operating activities:	'	'
Depreciation and amortization	198	128
Provision for loan losses	2,194	1,653
Stock compensation	47	28
Net amortization of fees, premiums and discounts	40	22
Loss from sale of securities available for sale	20	0
Decrease in accrued interest receivable	3	0
(Increase) decrease in other assets	-85	123
Loss on sale of foreclosed real estate	135	32
Provision for losses on real estate owned	1,004	102
Increase (decrease) in official checks and other liabilities	191	-463
Other than temporary impairment on securities available for sale	362	409
Net cash used in operating activities	-2,966	-2,663
Cash flows from investing activities:	'	'
Purchase of securities	-15,673	0
Principal repayments and colls of securities	8,718	11,007
Proceeds from sale of securities	1,969	0
Net decrease (increase) in loans	3,069	-2,320
Purchase of premises and equipment	-171	-343
Proceeds from sale of foreclosed real estate, net	2,943	1,291
Capital improvements on foreclosed real estate	0	-57
Redemption of Federal Home Loan Bank stock	282	681
Net cash (used in) provided by investing activities	1,137	10,259
Cash flows from financing activities:	'	'
Net decrease in deposits	-2,919	-6,284
Proceeds from sale of common stock	124	3,629
Proceeds from Federal Home Loan bank advances	22,740	0
Repayment of Federal Home Loan Bank advances	-27,700	-4,000
Net decrease in advance payments by borrowers for taxes and insurance	-146	-106
Net cash used in financing activities	-7,901	-6,761
Net (decrease) increase in cash and cash equivalents	-9,730	835
Cash and cash equivalents at beginning of the period	23,611	22,776
Cash and cash equivalents at end of the period	13,881	23,611
Cash paid during the year for:	'	'
Interest	1,926	2,458
Income taxes	0	0
Noncash investing and financing transactions:	'	'
Change in accumulated other comprehensive loss, net change in unrealized loss on securities available for sale	-222	1,164
Loans transferred to foreclosed real estate	$4,660	$3,156

Summary_of_Significant_Account

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2013
Summary Of Significant Accounting Policies	'
Summary of Significant Accounting Policies	'
	1) Summary of Significant Accounting Policies
	Organization. OptimumBank Holdings, Inc. (the “Holding Company”) is a one-bank holding company and owns 100% of OptimumBank (the “Bank”), a state (Florida)-chartered commercial bank. The Bank’s wholly-owned subsidiaries are OB Real Estate Management, LLC, OB Real Estate Holdings, LLC and OB Real Estate Holding 1503, LLC, all of which were formed in 2009, OB Real Estate Holdings 1695, OB Real Estate Holdings 1669, OB Real Estate Holdings 1645, OB Real Estate Holdings 1620 and OB Real Estate Holdings 1565, all formed in 2010; OB Real Estate Holdings 1443 and OB Real Estate Holdings Northwood, OB Real Estate Holdings 1596, OB Real Estate Holdings 1636 formed in 2011; and OB Real Estate Holdings 1655, OB Real Estate Holdings 1692, OB Real Estate Holdings 1704, OB Real Estate Holdings Rosemary and OB Real Estate Holdings Sillato formed in 2012 (the “Real Estate Holding Subsidiaries”). The Holding Company’s only business is the operation of the Bank and its subsidiaries (collectively, the “Company”). The Bank’s deposits are insured up to applicable limits by the Federal Deposit Insurance Corporation (“FDIC”). The Bank offers a variety of community banking services to individual and corporate customers through its three banking offices located in Broward County, Florida. OB Real Estate Management, LLC is primarily engaged in managing foreclosed real estate. This subsidiary had no activity in 2013 and 2012. All other subsidiaries are primarily engaged in holding and disposing of foreclosed real estate.
	Basis of Presentation. The accompanying consolidated financial statements include the accounts of the Holding Company, the Bank and the Real Estate Holding Subsidiaries. All significant intercompany accounts and transactions have been eliminated in consolidation. The accounting and reporting practices of the Company conform to U.S. generally accepted accounting principles and to general practices within the banking industry. The following summarizes the more significant of these policies and practices:
	Going Concern Status. The Company has suffered losses from operations, continuing high levels of noninterest expenses and has a stockholders’ deficit at December 31, 2013. As discussed in Note 13, the Bank is subject to a Consent Order which requires the maintenance at a 12% total risk-based capital ratio. At December 31, 2013, the Bank’s recurring total risk-based capital ratio of 6.55% is significantly below the 12% level required to be a well-capitalized bank. As of December 31, 2013, the Bank would have needed approximately $5.5 million in additional capital to comply with the 12% total risk-based capital requirement. In the opinion of management the Company has taken certain actions which are expected to substantially reduce operating losses as follows:
		The Company has identified certain structural or contract related expenses that adversely impacted the Company’s ability to achieve core operational profitability. Specifically, there were $20 million in long term Federal Home Loan Bank Advances with above market interest rates that were extinguished in December 2013 and replaced with lower interest rate advances. The Company recognized a $1,548,000 loss on early extinguishment of debt in connection with this transaction. As a result of this restructuring, borrowings interest expense will be reduced annually by approximately $1.1 million through the maturity of the new advances. In addition the Company’s Directors and Officers insurance was replaced with a policy from another insurance carrier. Annual savings totaling approximately $130,000 are expected with no change in deductible or areas covered. The contract for core system processing is also being reviewed with additional savings anticipated. Going further, as part of the Company’s strategic planning process, other initiatives are being developed to achieve branch and operational efficiencies.
		The Company is in the process of raising additional capital. It is anticipated that the first effort will raise between $3 million and $4 million in a combination of common and preferred shares to both existing and new investors. A subsequent capital raise along with organic capital generation will be required to meet the target of 8% tier 1 and 12% total risk based capital. A formal Plan, including necessary shareholder approval, to achieve the 8% and 12% targets will be completed in the second quarter of 2014. However, there can be no assurance that the Company will be successful in its efforts to raise capital.
		Management forecasts the Company to be profitable for 2014 unless it incurs unforeseen loan loss provisions. Management has considered these factors in evaluating the Company’s ability to continue as a going concern and believes the Company will be able to meet all of its financial obligations and continue to operate as a going concern at least through December 31, 2014.
	Use of Estimates. In preparing consolidated financial statements in conformity with U.S. generally accepted accounting principles (“GAAP”), management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated balance sheet and 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 relate to the determination of the allowance for loan losses, the valuation of foreclosed real estate, and the deferred tax asset.
	Cash and Cash Equivalents. For purposes of the consolidated statements of cash flows, cash and cash equivalents include cash and balances due from banks and interest-bearing deposits, all of which have original maturities of ninety days or less.
		The Company may be required by law or regulation to maintain cash reserves in the form of vault cash or in accounts with other banks. There were no reserve balances required at December 31, 2013 and 2012.
	Securities. Securities may be classified as either trading, held to maturity or available for sale. Trading securities are held principally for resale and recorded at their fair values. Unrealized gains and losses on trading securities are included immediately in operations. Held to maturity securities are those which management has the positive intent and ability to hold to maturity and are reported at amortized cost. Available for sale securities consist of securities not classified as trading securities nor as held to maturity securities. Unrealized holding gains and losses on available for sale securities are reported as a net amount in accumulated other comprehensive income in stockholders’ (deficit) equity until realized. Gains and losses on the sale of available for sale securities are determined using the specific-identification method. Premiums and discounts on securities are recognized in interest income using the interest method over the period to maturity.
	Loans. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are reported at their outstanding principal, adjusted for any charge-offs, the allowance for loan losses, and any deferred fees or costs.
		Commitment fees and loan origination fees are deferred and certain direct origination costs are capitalized. Both are recognized as an adjustment of the yield of the related loan.
		The accrual of interest on loans is discontinued at the time the loan is ninety days delinquent unless the loan is well collateralized and in process of collection. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful.
		All interest accrued but not collected for loans that are placed on nonaccrual or charged-off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
	Allowance for Loan Losses. The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to operations. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. There were no changes in the Company’s accounting policies or methodology during the years ended December 31, 2013 and 2012.
		The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.
		The allowance consists of specific and general components. The specific component relates to loans that are classified as impaired. For such loans, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loans are lower than the carrying value of those loans. The general component covers all other loans and is based on historical loss experience adjusted for qualitative factors.
		The historical loss component of the allowance is determined by losses recognized by portfolio segment over the preceding three years. The historical loss experience is adjusted for the risks by each portfolio segment. Risk factors impacting loans in each of the portfolio segments include: economic trends and conditions; experience, ability and depth of lending management; national and local political environment; industry conditions and trends in charge-offs; and other trends or uncertainties that could affect management’s estimate of probable losses.
		A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis for single-family and commercial real estate, land and construction and multi-family real estate loans, and consumer loans, by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral-dependent.
		Large groups of smaller balance homogeneous loans are collectively evaluated for impairment.
	Foreclosed Real Estate. Real estate acquired through, or in lieu of, loan foreclosure is to be sold and is initially recorded at fair value less estimated selling costs at the date of foreclosure establishing a new cost basis. After foreclosure, valuations are periodically performed by management and the real estate is carried at the lower of the new cost basis or fair value less cost to sell. Revenue and expenses from operations are included in the consolidated statements of operations.
	Premises and Equipment. Land is stated at cost. Buildings and improvements, furniture, fixtures, equipment, and leasehold improvements are stated at cost, less accumulated depreciation and amortization. Depreciation and amortization expense are computed using the straight-line method over the estimated useful life of each type of asset or lease term, if shorter.
	Preferred Securities of Unconsolidated Subsidiary Trust. The Company owns all of the common stock of OptimumBank Holdings Capital Trust I (“Issuer Trust”), an unconsolidated subsidiary trust. The Issuer Trust used the proceeds from the issuance of $5,000,000 of its preferred securities to third-party investors and common stock to acquire a $5,155,000 debenture issued by the Company. This debenture and certain capitalized costs associated with the issuance of the securities comprise the Issuer Trust’s only assets and the interest payments from the debentures finance the distributions paid on the preferred securities. The Company recorded the debenture in “Junior Subordinated Debenture” and its equity interest in the business trust in “Other Assets” on the consolidated balance sheets (See Note 7).
		The Company has entered into agreements which, taken collectively, fully and unconditionally guarantee the preferred securities of the Issuer Trust subject to the terms of the guarantee.
	Transfer of Financial Assets. Transfers of financial assets or a participating interest in an entire financial asset are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. A participating interest is a portion of an entire financial asset that (1) conveys proportionate ownership rights with equal priority to each participating interest holder (2) involves no recourse (other than standard representations and warranties) to, or subordination by, any participating interest holder, and (3) does not entitle any participating interest holder to receive cash before any other participating interest holder.
	Income Taxes. There are two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods.
		Deferred tax assets are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management’s judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized.
		The Company provides reserves for potential payments of tax related to uncertain tax positions. These reserves are based on a determination of whether and how much of a tax benefit taken by the Company in its tax filings or positions is more likely than not to be realized following resolution of any potential contingencies present related to the tax benefit. Potential interest and penalties associated with such uncertain tax positions is recorded as a component of income tax expense. See Note 10, below, for additional details.
		The Company recognizes interest and penalties on income taxes as a component of income tax expense.
		The Holding Company and the Bank file a consolidated income tax return. Income taxes are allocated proportionately to the Holding Company and the Bank as though separate income tax returns were filed.
	Advertising. The Company expenses all media advertising as incurred. Media advertising expense included in other noninterest expenses in the accompanying consolidated statements of operations was approximately $54,000 and $42,000 during the years ended December 31, 2013 and 2012, respectively.
	Stock Compensation Plan. The Company has adopted the fair value recognition method and expenses the fair value of any stock options as they vest. Under the fair value recognition method, the Company recognizes stock-based compensation in the accompanying consolidated statements of operations.
	Loss Per Share. Basic loss per share is computed on the basis of the weighted-average number of common shares outstanding. In 2013 and 2012, basic and diluted loss per share is the same due to the net loss incurred by the Company. Loss per share has been restated for all periods presented to reflect the one-for-four reverse common share split effective May 31, 2013. Loss per common share has been computed based on the following:
		Year Ended December 31,
		2013		2012
	Weighted-average number of common shares outstanding used to calculate basic and diluted loss per common share		7,913,585		6,840,668
	Off-Balance-Sheet Financial Instruments. In the ordinary course of business the Company may enter into off-balance-sheet financial instruments consisting of commitments to extend credit. Such financial instruments are recorded in the consolidated financial statements when they are funded.
	Fair Value Measurements. Fair value is the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. The fair value hierarchy requires the Company to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The hierarchy describes three levels of inputs that may be used to measure fair value:
		Level 1: Observable inputs such as quoted prices (unadjusted) in active markets for identical assets or liabilities.
		Level 2: Inputs other than quoted prices that are observable for the asset or liability, either directly or indirectly. These include quoted prices for similar assets or liabilities in active markets; quoted prices for identical or similar assets or liabilities that are not active; and model-driven valuations whose inputs are observable or whose significant value drivers are observable. Valuations may be obtained from, or corroborated by, third-party pricing services.
		Level 3: Unobservable inputs to measure fair value of assets and liabilities for which there is little, if any market activity at the measurement date, using reasonable inputs and assumptions based upon the best information at the time, to the extent that inputs are available without undue cost and effort.
		The following describes valuation methodologies used for assets measured at fair value:
		Securities Available for Sale. Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 securities include highly liquid government bonds, certain mortgage products and exchange-traded equities. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flows. Examples of such instruments, which would generally be classified within Level 2 of the valuation hierarchy, include certain mortgage-backed securities and U.S. Government and agency securities.
		Impaired Loans. The Company’s impaired loans are normally collateral dependent and, as such, are carried at the lower of the Company’s net recorded investment in the loan or fair market value of the collateral less estimated selling costs. Estimates of fair value are determined based on a variety of information, including the use of available appraisals, estimates of market value by licensed appraisers or local real estate brokers and the knowledge and experience of the Company’s management related to values of properties in the Company’s market areas. Management takes into consideration the type, location and occupancy of the property as well as current economic conditions in the area the property is located in assessing estimates of fair value. Accordingly, fair value estimates for impaired loans are classified as Level 3.
		Foreclosed Real Estate. Estimates of fair values are determined based on a variety of information, including the use of available appraisals, estimates of market value by licensed appraisers or local real estate brokers and the knowledge and experience of the Company’s management related to values of properties in the Company’s market areas. Management takes into consideration the type, location and occupancy of the property as well as current economic conditions in the area the property is located in assessing estimates of fair value. Accordingly, the fair values estimates for foreclosed real estate are classified as Level 3.
	Fair Values of Financial Instruments. The following methods and assumptions were used by the Company in estimating fair values of financial instruments disclosed herein:
		Cash and Cash Equivalents. The carrying amounts of cash and cash equivalents approximate their fair value.
		Securities. Fair values for securities are based on the framework for measuring fair value established by GAAP.
		Loans. For variable-rate loans that reprice frequently and have no significant change in credit risk, fair values are based on carrying values. Fair values for fixed-rate loans, including fixed-rate residential and commercial real estate and commercial loans, are estimated using discounted cash flow analyses, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality.
		Federal Home Loan Bank Stock. Fair value of the Company’s investment in Federal Home Loan Bank stock is based on its redemption value, which is its cost of $100 per share.
		Accrued Interest Receivable. The carrying amount of accrued interest approximates its fair value.
		Deposit Liabilities. The fair values disclosed for demand, NOW, money-market and savings deposits are, by definition, equal to the amount payable on demand at the reporting date (that is, their carrying amounts). Fair values for fixed-rate time deposits are estimated using a discounted cash flow calculation that applies interest rates currently being offered on time deposits to a schedule of aggregated expected monthly maturities of time deposits.
		Federal Home Loan Bank Advances and Junior Subordinated Debenture. Fair values of Federal Home Loan Bank advances and junior subordinated debenture are estimated using discounted cash flow analysis based on the Company’s current incremental borrowing rates for similar types of borrowings.
		Off-Balance-Sheet Financial Instruments. Fair values for off-balance-sheet lending commitments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties’ credit standing.
	Comprehensive Loss. GAAP generally requires that recognized revenue, expenses, gains and losses be included in net loss. Although certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities, are reported as a separate component of the equity section of the consolidated balance sheets, such items along with net loss, are components of comprehensive loss. The only component of other comprehensive loss is the net change in the unrealized loss on the securities available for sale.
	Recent Pronouncements. In January 2013, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2013-01, Clarifying the Scope of Disclosures about Offsetting Assets and Liabilities, which limits the scope of the new balance sheet offsetting disclosures in ASU 2011-11 to derivatives, repurchase agreements, and securities lending transactions to the extent that they are (1) offset in the financial statements or (2) subject to an enforceable master netting arrangement or similar agreement. The adoption of this guidance had no effect on the Company’s consolidated financial statements.
		In February 2013, the FASB Issued ASU No. 2013-02, Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income, which requires entities to present information about reclassification adjustments from accumulated other comprehensive (loss) income in their annual financial statements in a single note or on the face of the financial statements. This guidance is effective prospectively January 1, 2014. Upon adoption, this guidance is not expected to impact the Company’s consolidated financial statements.
		In February 2013, the FASB Issued ASU No. 2013-04, Obligations Resulting from Joint and Several Liability Arrangements for Which the Total Amount of the Obligation Is Fixed at the Reporting Date. ASU 2013-04 provides guidance for the recognition, measurement, and disclosure of obligations resulting from joint and several liability arrangements for obligations within the scope of this ASU, which is effective January 1, 2014. Upon adoption, this guidance is not expected to impact the Company’s consolidated financial statements.
		In July 2013, the FASB issued ASU No. 2013-10, Inclusion of the Fed Funds Effective Swap Rate (or Overnight Index Swap Rate) as a Benchmark Interest Rate for Hedge Accounting Purposes. ASU No. 2013-10 permits the use of the Fed Funds Effective Swap Rate (OIS) to be used as a U.S. benchmark interest rate for hedge account purposes. The amendment is effective prospectively for qualifying new or redesignated hedging relationships entered into on or after July 17, 2013. The adoption of this guidance had no effect on the Company’s consolidated financial statements.
		In July 2013, the FASB issued ASU 2013-11, Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists, which among other things, requires an unrecognized tax benefit, or a portion of an unrecognized tax benefit, to be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except as denoted within the ASU. The amendments in this ASU are effective for fiscal years, and interim periods within those years, beginning after December 15, 2013. Upon adoption, this guidance is not expected to impact the Company’s consolidated financial statements.
	Recent Regulatory Developments
		Basel III Rules. On July 2, 2013, the Federal Reserve Board (“FRB”) approved the final rules implementing the Basel Committee on Banking Supervision’s capital guidelines for U.S. banks. Under the final rules, minimum requirements will increase for both the quantity and quality of capital held by the Bank. The rules include a new common equity Tier 1 capital to risk-weighted assets ratio of 4.5% and a common equity Tier 1 capital conservation buffer of 2.5% of risk-weighted assets. The final rules also raise the minimum ratio of Tier 1 capital to risk-weighted assets from 4.0% to 6.0% and require a minimum leverage ratio of 4.0%. The final rules also implement strict eligibility criteria for regulatory capital instruments. On July 9, 2013, the FDIC also approved, as an interim final rule, the regulatory capital requirements for U.S. banks, following the actions of the FRB. The FDIC’s rule is identical in substance to the final rules issued by the FRB.
	The phase-in period for the final rules will begin for the Bank on January 1, 2015, with full compliance with all of the final rule’s requirements phased in over a multi-year schedule. The Company is currently evaluating the provisions of the final rules and their expected impact on the Bank and potential impact on the Holding Company.

Securities

Securities	12 Months Ended
	Dec. 31, 2013
SecuritiesAbstract	'
Securities	'
	(2) Securities
	Securities have been classified according to management’s intent. The carrying amount of securities and approximate fair values are as follows (in thousands):
					Gross		Gross
		Amortized			Unrealized		Unrealized			Fair
		Cost			Gains		Losses			Value
	At December 31, 2013:
	Securities Available for Sale
	Mortgage-backed securities	$	10,425		$	269	$	(69	)	$	10,625
	U.S. Government and agency securities		12,561			37		(233	)		12,365
	Total	$	22,986		$	306	$	(302	)	$	22,990
	At December 31, 2012:
	Securities Available for Sale-
	Mortgage-backed securities	$	15,425		$	283	$	(79	)	$	15,629
	U.S. Government and agency securities		2,997			22		0			3,019
	Total	$	18,422		$	305	$	(79	)	$	18,648
	The amortized cost and carrying value of securities at December 31, 2013 by contractual maturity are shown below. Expected maturities will differ from contractual maturities because the issuers of the securities may have the right to call or prepay obligations with or without cost of prepayment penalties. Securities not due at a single maturity date are shown separately (in thousands):
		Securities Available for Sale
		Amortized			Fair
		Cost			Value
	Due five through ten years	$	695		$	694
	Due in ten years or more		11,866			11,671
	Mortgage-backed securities		10,425			10,625
		$	22,986		$	22,990
	The following summarizes sales of securities (in thousands):
		Year Ended December 31,
		2013			2012
	Proceeds from sales of securities	$	1,969		$	0
	Gross gains from sale of securities		8			0
	Gross losses from sale of securities		(28	)		0
	Net losses from sale of securities	$	(20	)	$	0
	Securities with gross unrealized losses at December 31, 2013, aggregated by investment category and length of time that individual securities have been in a continuous loss position, is as follows (in thousands):
		Less Than Twelve Months
		Gross
		Unrealized			Fair
		Losses			Value
	Mortgage-backed securities	$	(69	)	$	2,256
	U.S. Government and agency securities		(233	)		8,896
		$	(302	)	$	11,152
	The unrealized losses on fifteen investment securities were caused by market conditions. It is expected that the securities would not be settled at a price less than the book value of the investments. Because the decline in fair value is attributable to market conditions and not credit quality, and because the Company has the ability and intent to hold these investments until a market price recovery or maturity, these investments are not considered other-than-temporarily impaired.
	Management evaluates securities for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. A security is impaired if the fair value is less than its carrying value at the financial statement date. When a security is impaired, the Company determines whether this impairment is temporary or other-than-temporary. In estimating other-than-temporary impairment (“OTTI”) losses, management assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of these criteria is met, the entire difference between amortized cost and fair value is recognized in operations. For securities that do not meet the aforementioned criteria, the amount of impairment recognized in operations is limited to the amount related to credit losses, while impairment related to other factors is recognized in other comprehensive loss. Management utilizes cash flow models to segregate impairments to distinguish between impairment related to credit losses and impairment related to other factors. To assess for OTTI, management considers, among other things, (i) the severity and duration of the impairment; (ii) the ratings of the security; (iii) the overall transaction structure (the Company’s position within the structure, the aggregate, near-term financial performance of the underlying collateral, delinquencies, defaults, loss severities, recoveries, prepayments, cumulative loss projections, and discounted cash flows); and (iv) the timing and magnitude of a break in modeled cash flows.
	In evaluating mortgage-backed securities with unrealized losses greater than twelve months, management utilizes various resources, including input from independent third party firms to perform an analysis of expected future cash flows. The process begins with an assessment of the underlying collateral backing the mortgage pools. Management develops specific assumptions using as much market data as possible and includes internal estimates as well as estimates published by rating agencies and other third-party sources. The data for the individual borrowers in the underlying mortgage pools are generally segregated by state, FICO score at issue, loan to value at issue, and income documentation criteria. Mortgage pools are evaluated for current and expected levels of delinquencies and foreclosures, based on where they fall in the prescribed data set of FICO score, geographics, LTV and documentation type, and a level of loss severity is assigned to each security based on its experience. The above-described historical data is used to develop current and expected measures of cumulative default rates as well as ultimate loss frequency and severity within the underlying mortgages. This reveals the expected future cash flows within the mortgage pool. The data described above is then input to an industry recognized model to assess the behavior of the particular security tranche owned by the Company. Significant inputs in this process include the structure of any subordination structures, if applicable, and are dictated by the structure of each particular security as laid out in the offering documents. The forecasted cash flows from the mortgage pools are input through the security structuring model to derive expected cash flows for the specific security owned by the Company to determine if the future cash flows are expected to exceed the book value of the security. The values for the significant inputs are updated on a regular basis.
	The key base assumptions for mortgage-backed securities used are in the table below:
		At December 31,
		2013			2012
	Prepayment rate		8-21%			0.5-74.4%
	Loss severity		32-60%			26.2-75.6%
	Cumulative default rate		0.75-14.2%			0-35.1%
	Principal write-down		0-34.06%			0-2.7%
	Loss severity rates are estimated based on collateral characteristics for single family first mortgages.
	The Company recorded OTTI of $362,000 during the year ended December 31, 2013 which resulted in cumulative OTTI of $866,000 as of December 31, 2013.
	Available-for-sale securities measured at fair value on a recurring basis are summarized below (in thousands):
					Fair Value Measurements Using
					Quoted Prices
					In Active		Significant
					Markets for		Other			Significant
					Identical		Observable			Unobservable
		Fair			Assets		Inputs			Inputs
		Value			(Level 1)		(Level 2)			(Level 3)
	At December 31, 2013:
	Mortgage-backed securities	$	10,625		$	0	$	10,625		$	0
	U.S. Government and agency securities		12,365			0		12,365			0
		$	22,990		$	0	$	22,990		$	0
	At December 31, 2012:
Mortgage-backed securities	$	15,629		$	0	$	15,629		$	0
U.S. Government and agency securities		3,019			0		3,019			0
	$	18,648		$	0	$	18,648		$	0
During the years ended December 31, 2013 and 2012, no securities were transferred in or out of Level 1, Level 2 or Level 3.

Loans

Loans	12 Months Ended
	Dec. 31, 2013
LoansAbstract	'
Loans	'
	(3) Loans
	The components of loans are as follows (in thousands):
		At December 31,
		2013			2012
	Residential real estate	$	26,468		$	30,064
	Multi-family real estate		3,605			3,916
	Commercial real estate		27,883			39,126
	Land and construction		6,459			7,276
	Commercial		16,584			7,158
	Consumer		81			70
	Total loans		81,080			87,610
	Add (deduct):
	Net deferred loan fees, costs and premiums		380			58
	Allowance for loan losses		(2,211	)		(2,459	)
	Loans, net	$	79,249		$	85,209
	An analysis of the change in the allowance for loan losses for the years ended December 31, 2013 and 2012 follows (in thousands):
		Residential			Multi- Family			Commercial			Land
		Real			Real			Real			and
		Estate			Estate			Estate			Construction			Commercial			Consumer			Unallocated		Total
	Year Ended December 31, 2013:
	Beginning balance	$	434		$	267		$	1,372		$	166		$	216		$	4		$	0	$	2,459
	(Credit) provision for loan losses		(288	)		(263	)		2,235			(23	)		(155	)		(17	)		705		2,194
	Charge-offs		(97	)		0			(2,862	)		0			0			0			0		(2,959	)
	Recoveries		0			0			189			315			0			13			0		517
	Ending balance	$	49		$	4		$	934		$	458		$	61		$	0		$	705	$	2,211
	Year Ended December 31, 2012:
	Beginning balance	$	566		$	247		$	1,334		$	187		$	0		$	15		$	0	$	2,349
	(Credit) provision for loan losses ..		(1	)		19			912			531			216			(24	)		0		1,653
	Charge-offs		(147	)		0			(903	)		(798	)		0			0			0		(1,848	)
	Recoveries		16			1			29			246			0			13			0		305
	Ending balance	$	434		$	267		$	1,372		$	166		$	216		$	4		$	0	$	2,459
	The balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2013 and 2012 follows (in thousands):
		Residential			Multi- Family			Commercial			Land
		Real			Real			Real			and
		Estate			Estate			Estate			Construction			Commercial			Consumer			Unallocated		Total
	At December 31, 2013:
	Individually evaluated for impairment:
	Recorded investment	$	7,100		$	0		$	5,227		$	0		$	1,216		$	0		$	0	$	13,543
	Balance in allowance for loan losses	$	0		$	0		$	192		$	0		$	0		$	0		$	0	$	192
	Collectively evaluated for impairment:
	Recorded investment	$	19,368		$	3,605		$	22,656		$	6,459		$	15,368		$	81		$	0	$	67,537
	Balance in allowance for loan losses	$	49		$	4		$	742		$	458		$	61		$	0		$	705	$	2,019
		Residential			Multi- Family			Commercial			Land
		Real			Real			Real			and
		Estate			Estate			Estate			Construction			Commercial			Consumer			Total
	At December 31, 2012:
	Individually evaluated for impairment:
	Recorded investment	$	7,573		$	0		$	11,535		$	886		$	0		$	0		$	19,994
	Balance in allowance for loan losses	$	0		$	0		$	366		$	0		$	0		$	0		$	366
	Collectively evaluated for impairment:
	Recorded investment	$	22,491		$	3,916		$	27,591		$	6,390		$	7,158		$	70		$	67,616
	Balance in allowance for loan losses	$	434		$	267		$	1,006		$	166		$	216		$	4		$	2,093
	The Company has divided the loan portfolio into six portfolio segments, each with different risk characteristics and methodologies for assessing risk. The portfolio segments identified by the Company are as follows:
	Residential Real Estate, Multi-Family Real Estate, Commercial Real Estate, Land and Construction. Real estate mortgage loans are typically segmented into four categories: residential real estate, multi-family real estate, commercial real estate, and land and construction. Residential real estate loans are underwritten in accordance with policies set forth and approved by the Board of Directors (the “Board”), including repayment capacity and source, value of the underlying property, credit history and stability. Multi-family and commercial real estate loans are secured by the subject property and are underwritten based upon standards set forth in the policies approved by the Company’s Board. Such standards include, among other factors, loan to value limits, cash flow coverage and general creditworthiness of the obligors. Construction loans to borrowers finance the construction of owner occupied and leased properties. These loans are categorized as construction loans during the construction period, later converting to commercial or residential real estate loans after the construction is complete and amortization of the loan begins. Real estate development and construction loans are approved based on an analysis of the borrower and guarantor, the viability of the project and on an acceptable percentage of the appraised value of the property securing the loan. Real estate development and construction loan funds are disbursed periodically based on the percentage of construction completed. The Company carefully monitors these loans with on-site inspections and requires the receipt of lien waivers on funds advanced. Development and construction loans are typically secured by the properties under development or construction, and personal guarantees are typically obtained. Further, to assure that reliance is not placed solely on the value of the underlying property, the Company considers the market conditions and feasibility of proposed projects, the financial condition and reputation of the borrower and guarantors, the amount of the borrower’s equity in the project, independent appraisals, cost estimates and pre-construction sales information. The Company also makes loans on occasion for the purchase of land for future development by the borrower. Land loans are extended for future development for either commercial or residential use by the borrower. The Company carefully analyzes the intended use of the property and the viability thereof.
		Commercial. Commercial business loans and lines of credit consist of loans to small- and medium-sized companies in the Company’s market area. Commercial loans are generally used for working capital purposes or for acquiring equipment, inventory or furniture. Primarily all of the Company’s commercial loans are secured loans, along with a small amount of unsecured loans. The Company’s underwriting analysis consists of a review of the financial statements of the borrower, the lending history of the borrower, the debt service capabilities of the borrower, the projected cash flows of the business, the value of the collateral, if any, and whether the loan is guaranteed by the principals of the borrower. These loans are generally secured by accounts receivable, inventory and equipment. Commercial loans are typically made on the basis of the borrower’s ability to make repayment from the cash flow of the borrower’s business, which makes them of higher risk than residential loans and the collateral securing loans may be difficult to appraise and may fluctuate in value based on the success of the business. The Company seeks to minimize these risks through its underwriting standards.
	Consumer Loans. Consumer loans are extended for various purposes, including purchases of automobiles, recreational vehicles, and boats. Also offered are home improvement loans, lines of credit, personal loans, and deposit account collateralized loans. Repayment of these loans is primarily dependent on the personal income of the borrowers, which can be impacted by economic conditions in their market areas such as unemployment levels. Loans to consumers are extended after a credit evaluation, including the creditworthiness of the borrower(s), the purpose of the credit, and the secondary source of repayment. Consumer loans are made at fixed and variable interest rates and may be made on terms of up to ten years. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers.
	The following summarizes the loan credit quality (in thousands):
					OLEM
					(Other Loans
					Especially
		Pass			Mentioned)			Substandard			Doubtful			Loss			Total
	At December 31, 2013:
	Residential real estate	$	18,260		$	1,290		$	6,918		$	0		$	0		$	26,468
Multi-family real estate		3,605			0			0			0			0			3,605
Commercial real estate		18,544			2,539			6,800			0			0			27,883
Land and construction		4,493			1,966			0			0			0			6,459
Commercial		13,056			546			2,982			0			0			16,584
Consumer		81			0			0			0			0			81
Total	$	58,039		$	6,341		$	16,700		$	0		$	0		$	81,080
At December 31, 2012:
Residential real estate	$	22,491		$	0		$	7,573		$	0		$	0		$	30,064
Multi-family real estate		3,916			0			0			0			0			3,916
Commercial real estate		24,967			2,624			11,535			0			0			39,126
Land and construction		4,402			1,987			887			0			0			7,276
Commercial		7,092			66			0			0			0			7,158
Consumer		70			0			0			0			0			70
Total	$	62,938		$	4,677		$	19,995		$	0		$	0		$	87,610
Internally assigned loan grades are defined as follows:
	Pass – a Pass loan’s primary source of loan repayment is satisfactory, with secondary sources very likely to be realized if necessary. These are loans that conform in all aspects to bank policy and regulatory requirements, and no repayment risk has been identified.
	OLEM (Other Loans Especially Mentioned) – an Other Loan Especially Mentioned has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in the deterioration of the repayment prospects for the asset or the Company’s credit position at some future date.
	Substandard – a Substandard loan is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.
	Doubtful – a loan classified as Doubtful has all the weaknesses inherent in one classified as Substandard, with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be affected in the future. The Company fully charges off any loan classified as Doubtful.
	Loss – a loan classified as Loss is considered uncollectible and of such little value that continuance as a bankable asset is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be affected in the future. The Company fully charges off any loan classified as Loss.
Age analysis of past-due loans is as follows (in thousands):
	Accruing Loans
	30-59			60-89			Greater Than 90
	Days			Days			Days			Total
	Past			Past			Past			Past						Nonaccrual			Total
	Due			Due			Due			Due			Current			Loans			Loans
At December 31, 2013:
Residential real estate	$	1,290		$	0		$	0		$	1,290		$	20,895		$	4,283		$	26,468
Multi-family real estate		0			0			0			0			3,605			0			3,605
Commercial real estate		0			0			0			0			24,565			3,318			27,883
Land and construction		0			0			0			0			6,459			0			6,459
Commercial		281			0			0			281			15,087			1,216			16,584
Consumer		0			0			0			0			81			0			81
Total	$	1,571		$	0		$	0		$	1,571		$	70,692		$	8,817		$	81,080
At December 31, 2012:
Residential real estate	$	0		$	2,915		$	0		$	2,915		$	22,492		$	4,657		$	30,064
Multi-family real estate		0			0			0			0			3,916			0			3,916
Commercial real estate		0			0			0			0			27,591			11,535			39,126
Land and construction		0			0			0			0			6,389			887			7,276
Commercial		699			0			0			699			6,459			0			7,158
Consumer		0			0			0			0			70			0			70
Total	$	699		$	2,915		$	0		$	3,614		$	66,917		$	17,079		$	87,610
	The following summarizes the amount of impaired loans (in thousands):
	At December 31, 2013									At December 31, 2012
				Unpaid									Unpaid
	Recorded			Principal			Related			Recorded			Principal			Related
	Investment			Balance			Allowance			Investment			Balance			Allowance
With no related allowance recorded:
Residential real estate	$	7,100		$	7,607		$	0		$	7,573		$	8,024		$	0
Commercial real estate		4,128			4,534			0			8,661			11,412			0
Land and construction		0			0			0			886			2,410			0
Consumer		0			0			0			0			0			0
Commercial		1,216			1,458			0			0			0			0
With an allowance recorded-
Commercial real estate	$	1,099		$	2,913		$	192		$	2,874		$	2,874		$	366
Total:
Residential real estate	$	7,100		$	7,607		$	0		$	7,573		$	8,024		$	0
Commercial real estate	$	5,227		$	7,447		$	192		$	11,535		$	14,286		$	366
Land and construction	$	0		$	0		$	0		$	886		$	2,410		$	0
Consumer	$	0		$	0		$	0		$	0		$	0		$	0
Commercial	$	1,216		$	1,458		$	0		$	0		$	0		$	0
Total	$	13,543		$	16,512		$	192		$	19,994		$	24,720		$	366
The average net investment in impaired loans and interest income recognized and received on impaired loans are as follows (in thousands):
	For the Year Ended December 31,
	2013									2012
	Average			Interest			Interest			Average			Interest			Interest
	Recorded			Income			Income			Recorded			Income			Income
	Investment			Recognized			Received			Investment			Recognized			Received
Residential real estate	$	7,255		$	264		$	594		$	7,795		$	175		$	307
Multi-family real estate	$	0		$	0		$	0		$	0		$	0		$	0
Commercial real estate	$	8,807		$	277		$	448		$	14,219		$	0		$	222
Land and construction	$	408		$	55		$	81		$	3,729		$	0		$	87
Consumer	$	0		$	0		$	0		$	0		$	0		$	0
Commercial	$	1,389		$	0		$	60		$	0		$	0		$	0
Total	$	17,859		$	596		$	1,183		$	25,743		$	175		$	616
There were no loans determined to be troubled debt restructurings (“TDR’s”) during the year ended December 31, 2013. The following is a summary of loans determined to be TDR’s during the year ended December 31, 2012 (dollars in thousands):
				Pre-			Post-
				Modification			Modification
	Number			Outstanding			Outstanding
	of			Recorded			Recorded
	Contracts			Investment			Investment
Troubled Debt Restructurings:
Residential real estate
Modified interest rate and amortization		1		$	941		$	941
The allowance for loan losses on residential real estate, commercial real estate, and land and construction loans that have been restructured and are considered TDR’s is included in the Company’s specific reserve. The specific reserve is determined on a loan by loan basis by either the present value of expected future cash flows discounted at the loan’s effective interest rate, or the fair value of the collateral if the loan is collateral-dependent. TDR’s that have subsequently defaulted are considered collateral-dependent. There were no TDR’s that subsequently defaulted which restructured during 2012.

Premises_and_Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2013
Premises And Equipment	'
Premises and Equipment	'
	(4) Premises and Equipment
	A summary of premises and equipment follows (in thousands):
		At December 31,
		2013			2012
	Land	$	1,171		$	1,171
	Buildings and improvements		2,053			2,046
	Furniture, fixtures and equipment		1,271			1,170
	Leasehold improvements		119			119
	Total, at cost		4,614			4,506
	Less accumulated depreciation and amortization		(1,735	)		(1,600	)
	Premises and equipment, net	$	2,879		$	2,906
	The Company currently leases one branch facility under operating lease. The lease contains renewal options and requires the Company to pay an allowable share of common area maintenance and real estate taxes. Rent expense under the operating lease during the years ended December 31, 2013 and 2012 was $80,000 and $84,000, respectively. At December 31, 2013, the future minimum lease payments are approximately as follows (in thousands):
	Year Ending December 31,	Amount
	2014	$	84

Foreclosed_Real_Estate

Foreclosed Real Estate	12 Months Ended
	Dec. 31, 2013
ForeclosedRealEstateAbstract	'
Foreclosed Real Estate	'
	(5) Foreclosed Real Estate
	Expenses applicable to foreclosed real estate are as follows (in thousands):
		Year Ended December 31,
		2013		2012
	Provision for losses on foreclosed real estate	$	1,004	$	102
	Loss on sale of foreclosed real estate		135		32
	Operating expenses		123		416
		$	1,262	$	550

Deposits

Deposits	12 Months Ended
	Dec. 31, 2013
Deposits [Abstract]	'
Deposits	'
	(6) Deposits
	The aggregate amount of time deposits with a minimum denomination of $100,000, was approximately $21.7 million and $27.5 million at December 31, 2013 and 2012, respectively.
	A schedule of maturities of time deposits at December 31, 2013 follows (in thousands):
	Year Ending December 31,	Amount
	2014	$	48,855
	2015		13,124
	2016		699
	2017		994
	2018		444
		$	64,116

Federal_Home_Loan_Bank_Advance

Federal Home Loan Bank Advances and Junior Subordinated Debenture	12 Months Ended
	Dec. 31, 2013
Federal Home Loan Bank Advances And Junior Subordinated Debenture	'
Federal Home Loan Bank Advances and Junior Subordinated Debenture	'
	(7) Federal Home Loan Bank Advances and Junior Subordinated Debenture
	The maturities and interest rates on the Federal Home Loan Bank (“FHLB”) advances were as follows (dollars in thousands):
	Maturity	Interest			At December 31,
	Year Ending December 31,	Rate			2013		2012
	2013		3.64	%	$	0	$	7,500
	2014		0.36			12,740		0
	2015		0.47			10,000		0
	2016		4.51			0		5,000
	2016		4.65			0		8,000
	2016		4.44			0		5,600
	2017		4.38			0		1,600
					$	22,740	$	27,700
	At December 31, 2013 and 2012, the FHLB advances were collateralized by $7.1 million and $6.5 million, respectively, of securities and by a lien on qualifying residential one-to-four family mortgage loans, commercial and multi-family real estate loans and second mortgage loans.
	In December 2013 the Company incurred a loss on early extinguishment of debt of approximately $1,548,000 in connection with the extinguishment of higher cost FHLB advances.
	On September 30, 2004, the Company issued a $5,155,000 junior subordinated debenture to an unconsolidated subsidiary. The debenture has a term of thirty years. The interest rate was fixed at 6.4% for the first five years, and thereafter, the coupon rate floats quarterly at the three-month LIBOR rate plus 2.45% (2.69% at December 31, 2013). The junior subordinated debenture, due in 2034, is redeemable in certain circumstances after October 2009. The terms of the debenture agreement allow the Company to defer payments of interest on the debenture by extending the interest payment period at any time during the term of the debenture for up to twenty consecutive quarterly periods. During 2013 and 2012, the Company exercised its right to defer payment of interest on the debenture. Interest payments deferred as of December 31, 2013 and 2012 totaled $638,000 and $485,000, respectively. The Company will have completed twenty consecutive quarterly interest deferrals as of October 2014 and all accrued and unpaid interest will be due at that time. In the opinion of management, the Company will have sufficient resources to pay the accrued and unpaid interest at that time.

Financial_Instruments

Financial Instruments	12 Months Ended
	Dec. 31, 2013
Financial Instruments	'
Financial Instruments	'
	(8) Financial Instruments
	The estimated fair values of the Company’s financial instruments were as follows (in thousands):
		At December 31, 2013				At December 31, 2012
		Carrying		Fair		Carrying		Fair
		Amount		Value		Amount		Value
	Financial assets:
	Cash and cash equivalents	$	13,881	$	13,881	$	23,611	$	23,611
	Securities available for sale		22,990		22,990		18,648		18,648
	Loans		79,249		79,043		85,209		85,046
	Federal Home Loan Bank stock		1,196		1,196		1,478		1,478
	Accrued interest receivable		496		496		499		499
	Financial liabilities:
	Deposit liabilities		98,692		99,003		101,611		101,985
	Federal Home Loan Bank advances		22,740		22,734		27,700		29,633
	Junior subordinated debenture		5,155		4,828		5,155		4,836
	Off-balance sheet financial instruments		0		0		0		0
	The Company is party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments are commitments to extend credit and may involve, to varying degrees, elements of credit and interest-rate risk in excess of the amount recognized in the consolidated balance sheet. The contract amounts of these instruments reflect the extent of involvement the Company has in these financial instruments.
	The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments as it does for on-balance-sheet instruments.
	Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Because some of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company, upon extension of credit, is based on management’s credit evaluation of the counterparty.
	As of December 31, 2013, commitments to extend credit totaled $3,748,000.

Credit_Risk

Credit Risk	12 Months Ended
	Dec. 31, 2013
Credit Risk	'
Credit Risk	'
	(9) Credit Risk
	The Company grants the majority of its loans to borrowers throughout Broward County, Florida and portions of Palm Beach and Miami-Dade Counties, Florida. Although the Company has a diversified loan portfolio, a significant portion of its borrowers’ ability to repay their loans and meet their contractual obligations to the Company is dependent upon the economy in Broward, Palm Beach and Miami-Dade Counties, Florida.

Income_Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2013
Income Taxes	'
Income Taxes	'
	(10) Income Taxes
	Income taxes consisted of the following (in thousands):
		Year Ended December 31,
		2013			2012
	Current:
	Federal	$	320		$	0
	State		0			0
	Total current		320			0
	Deferred:
	Federal		(2,169	)		(1,508	)
	State		(371	)		(259	)
	Change in valuation allowance		2,540			1,767
	Total deferred		0			0
	Total	$	320		$	0
	The reasons for the differences between the statutory Federal income tax rate and the effective tax rate are summarized as follows (dollars in thousands):
		Year Ended December 31,
		2013						2012
					% of						% of
					Pretax						Pretax
		Amount			Loss			Amount			Loss
	Income tax benefit at statutory rate	$	(2,297	)		(34.0	)%	$	(1,597	)		(34.0	)%
	Increase (decrease) resulting from:
	State taxes, net of Federal tax benefit		(243	)		(3.6	)		(170	)		(3.6	)
	Change in valuation allowance		2,540			37.6			1,767			37.6
	Internal Revenue Service examination		320			4.7			0			0
		$	320			4.7	%	$	0			0	%
	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities are presented below (in thousands).
		At December 31,
		2013			2012
	Deferred tax assets:
	Allowance for loan losses	$	67		$	421
	Net operating loss carryforwards		9,518			6,887
	Premises and equipment		100			132
	Impaired securities		216			190
	Foreclosed property expenses		907			650
	Nonaccrual loan interest		406			399
	Other		75			72
	Gross deferred tax assets		11,289			8,751
	Less: Valuation allowance		11,277			8,737
	Net deferred tax assets		12			14
	Deferred tax liability-
	Loan costs		12			14
	Net deferred tax asset (liability)	$	0		$	0
	During the years ended December 31, 2013 and 2012, the Company assessed its earnings history and trend over the past year and its estimate of future earnings, and determined that it was more likely than not that the deferred tax assets would not be realized in the near term. Accordingly, a valuation allowance was recorded and maintained against the net deferred tax asset for the amount not expected to be realized in the future.
	At December 31, 2013, the Company had net operating loss carryforwards of approximately $24.2 million for Federal tax purposes and $35.1 million for Florida tax purposes available to offset future taxable income. These carryforwards will begin to expire in 2029. These carryforwards are subject to an annual limitation going forward under Internal Revenue Code Section 382 which became applicable with the sale of common stock that occurred during 2011.
	The Company files U.S. and Florida income tax returns. With few exceptions, the Company is no longer subject to U.S. Federal or state and local income tax examinations by taxing authorities for years before 2007. The Company’s 2010 and 2009 Federal income tax returns are currently under examination by the Internal Revenue Service (“IRS”). No other income tax filings are under examination by any other taxing authority. The IRS examination disallowed certain deductions and identified additional elements of taxable income that would result in additional income tax liability of approximately $869,000. The Company has appealed the IRS examination results and has accrued $320,000 in other liabilities in the accompanying consolidated balance sheets as of December 31, 2013. This amount represents management’s estimate of ultimate settlement. However, there can be no assurances that the ultimate settlement may be in excess of this amount.
	The Company regularly reviews its tax positions in each significant taxing jurisdiction in the process of evaluating its unrecognized tax benefits. The Company makes adjustments to its unrecognized tax benefits when: (i) facts and circumstances regarding a tax position change, causing a change in management’s judgment regarding that tax position; (ii) a tax position is effectively settled with a tax authority at a differing amount; and/or (iii) the statute of limitations expires regarding a tax position.
	A reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows (in thousands):
		2013
	Balance, beginning of year	$	—
	Additions for tax positions related to current year		—
	Additions for tax positions of prior years		320
	Balance, end of year	$	320

Related_Party_Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2013
Related Party Transactions [Abstract]	'
Related Party Transactions	'
	(11) Related Party Transactions
	The Company has entered into transactions with its executive officers, directors and their affiliates in the ordinary course of business. There were loans to related parties at December 31, 2013 and 2012 of approximately $546,000 and $2,243,000, respectively. At December 31, 2013 and 2012, related parties had approximately $2,677,000 and $2,867,000, respectively, on deposit with the Company.

StockBased_Compensation

Stock-Based Compensation	12 Months Ended
	Dec. 31, 2013
Stock-Based Compensation	'
Stock-Based Compensation	'
	(12) Stock-Based Compensation
	On December 27, 2011, the Company’s stockholders approved the 2011 Equity Incentive Plan (“2011 Plan”). A total of 507,979 (adjusted for one-for-four reverse common stock split) shares of common stock are available to be issued under the 2011 Plan. Options, restricted stock, performance share awards and bonus share awards in lieu of obligations may be issued under the 2011 Plan. Both incentive stock options and nonqualified stock options can be granted under the 2011 Plan. The exercise price of the stock options cannot be less than the fair market value of the common stock on the date of grant. Options must be exercised within ten years of the date of grant. The Company’s prior plan was terminated on February 27, 2011. As of December 31, 2013, 42,021 (adjusted for one-for-four reverse common stock split) shares have been granted under the 2011 Plan as compensation to directors for services rendered. Fair value of the shares as of the dates of the grants totaled approximately $47,000 and $28,000 during the years ended December 31, 2013 and 2012, respectfully. Such amounts have been reflected as expense in the accompanying consolidated statements of operations.
	A summary of the activity in the prior plan is as follows (dollars in thousands, except share amounts):
							Weighted-
					Weighted-		Average
					Average		Remaining		Aggregate
		Number of			Exercise		Contractual		Intrinsic
		Options			Price		Term		Value
	Outstanding at December 31, 2011		12,725		$	137.24
	Expired		(1,899	)		142.56
	Forfeited		(3,987	)		97.92
	Outstanding at December 31, 2012		6,839			145.08
	Forfeited		(3,799	)		159.6
	Outstanding and exercisable at December 31, 2013		3,040		$	126.96		1.3 years	$	0

Regulatory_Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2013
Regulatory Matters	'
Regulatory Matters	'
	(13) Regulatory Matters
	The Bank is subject to various regulatory capital requirements administered by the regulatory banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company and Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of its assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.
	As of December 31, 2013, the Bank is subject to a Consent Order issued by the Federal Deposit Insurance Corporation and the State of Florida Office of Financial Regulation (“OFR”), and accordingly is deemed to be “adequately capitalized” even if its capital ratios were to exceed those generally required to be a “well capitalized” bank, however, at December 31, 2013, the Bank is less than adequately capitalized. An institution must maintain minimum total risk-based, Tier I risk-based and Tier I leverage ratios as set forth in the following tables. The Bank’s actual capital amounts and percentages are also presented in the table (dollars in thousands):
													Minimum
													To Be Well
													Capitalized Under
								For Capital					Prompt Corrective					Requirements of
			Actual					Adequacy Purposes					Action Provisions					Consent Order
			Amount		%			Amount		%			Amount		%			Amount		%
	As of December 31, 2013:
	Total Capital to Risk-Weighted Assets		$	6,667		6.55	%	$	8,140		8	%	$	10,180		10	%	$	12,210		12	%
	Tier I Capital to Risk-Weighted Assets			5,383		5.29			4,070		4			6,110		6			N/A		N/A
	Tier I Capital to Total Assets			5,383		4.21			5,110		4			6,390		5			10,220		8
	As of December 31, 2012:
	Total Capital to Risk-Weighted Assets		$	13,506		11.48	%	$	9,412		8	%	$	11,765		10	%	$	14,118		12	%
	Tier I Capital to Risk-Weighted Assets			12,035		10.23			4,706		4			7,059		6			N/A		N/A
	Tier I Capital to Total Assets			12,035		8.12			5,932		4			7,415		5			11,864		8
	Regulatory Matters - Company. The Company is subject to the supervision and regulation of the Board of Governors of the Federal Reserve System (the “Federal Reserve”). On June 22, 2010, the Company entered into a written agreement with the Federal Reserve Bank of Atlanta (“Reserve Bank”) with respect to certain aspects of the operation and management of the Company (the “Written Agreement”).
			The Written Agreement contains the following principal requirements:
		•	The Board of the Company must take appropriate steps to fully utilize the Company’s financial and managerial resources to serve as a source of strength to the Bank, including, but not limited to, taking steps to ensure that the Bank complies with the Consent Order entered into with the Florida Office of Financial Regulation (“OFR”) and the FDIC and any other supervisory action taken by the Bank’s state or federal regulator.
		•	The Company may not declare or pay any dividends without prior Reserve Bank and Federal Reserve approval.
		•	The Company may not, directly or indirectly, take dividends or any other form of payment representing a reduction in capital from the Bank without prior Reserve Bank approval.
		•	The Company and its nonconsolidated subsidiary, OptimumBank Holdings Capital Trust I, may not make any distributions of interest, principal, or other sums on subordinated debentures or trust preferred securities without the prior written approval of the Reserve Bank and the Federal Reserve.
		•	The Company and its nonconsolidated subsidiary, OptimumBank Holdings Capital Trust I, may not, directly or indirectly, incur, increase, or guarantee any debt or purchase or redeem any shares of its stock without the prior written approval of the Reserve Bank.
		•	The Company must obtain prior written consent from the Reserve Bank before appointing any new director or senior executive officer, or changing the responsibilities of any senior executive officer so that the officer would assume a different senior executive officer position, and must comply with the regulations applicable to indemnification and severance payments.
		•	The Company must provide quarterly progress reports to the Reserve Bank, along with parent company only financial statements.
	Regulatory Matters - Bank. Effective April 16, 2010, the Bank consented to the issuance of a Consent Order by the FDIC and the OFR, also effective as of April 16, 2010. Effective February 28, 2014, the Consent Order was amended.
	The Consent Order represents an agreement among the Bank, the FDIC and the OFR as to areas of the Bank’s operations that warrant improvement and presents a plan for making those improvements. The Consent Order imposes no fines or penalties on the Bank. The Consent Order will remain in effect and enforceable until it is modified, terminated, suspended, or set aside by the FDIC and the OFR.
	The Consent Order as amended contains the following principal requirements:
		•	The Board of the Bank is required to increase its participation in the affairs of the Bank, assuming full responsibility for the approval of sound policies and objectives and for the supervision of all of the Bank’s activities, consistent with the role and expertise commonly expected for directors of banks of comparable size.
		•	The Bank is required to have and retain qualified and appropriately experienced senior management, including a chief executive officer, a chief lending officer and a chief operating officer, who are given the authority to implement the provisions of the Consent Order.
		•	Any proposed changes in the Bank’s Board of Directors or senior executive officers are subject to the prior consent of the FDIC and the OFR.
		•	The Bank is required to maintain both a fully funded allowance for loan and lease losses satisfactory to the FDIC and the OFR and a minimum Tier 1 leverage capital ratio of 8% and a total risk-based capital ratio of 12% for as long as the Consent Order remains in effect.
		•	The Bank shall develop, adopt and implement a written plan to ensure that the Bank is in compliance with the provisions of Section 658.33(2), Florida Statutes. Such plan must address how the Bank will ensure that at least three-fifths of the members of the Bank’s Board are current residents of the State of Florida and were residents of the State of Florida for one year preceding their election to the Board, and that at least three-fifths of the members of the Bank’s Board maintain their residence in the State of Florida for so long as they continue as members of the Board.
		•	The Bank shall develop, adopt, and implement a written policy satisfactory to the Supervisory Authorities which shall govern the relationship between the Bank and its holding company and affiliates.
		•	The Bank shall retain a bank consultant who will develop a written analysis and assessment of the Bank’s Board and management needs for the purpose of providing qualified management for the Bank.
		•	The Bank shall submit a written plan to the Supervisory Authorities to reduce the remaining assets classified “Doubtful” and “Substandard” in the 2013 Report or any future regulatory examination report.
		•	The Bank shall perform a risk segmentation analysis and shall develop and submit for review a revised written plan for systematically reducing and monitoring the Bank’s Commercial Real Estate Loans concentration of credit.
		•	The Bank shall not extend, directly or indirectly, any additional credit to, or for the benefit of, any borrower who has a loan or other extension of credit from the Bank that has been charged-off or classified, in whole or in part, “Loss” or “Doubtful” and is uncollected.
		•	The Bank shall not extend, directly or indirectly, any additional credit to, or for the benefit of, any borrower who has a loan or other extension of credit from the Bank that has been classified, in whole or part, “Substandard.”
		•	The Bank shall revise its internal loan review and grading system.
		•	The Board shall review, revise, and implement its written lending and collection policy to provide effective guidance and control over the Bank’s lending and credit administration functions.
		•	The Bank shall prepare and submit to the Supervisory Authorities an acceptable written business/strategic plan covering the overall operation of the Bank.
		•	The Bank shall implement a written plan to improve liquidity, contingency funding, interest rate risk and asset liability management.
		•	The Bank shall revise and implement a written policy for managing interest rate risk in a manner that is appropriate to the size of the Bank and the complexity of its assets.
		•	The Bank shall not accept, renew, or rollover any brokered deposit.
		•	The Bank shall not declare or pay dividends, pay bonuses, or make any other form of payment outside the ordinary course of business resulting in a reduction of capital, without the prior written approval of the Supervisory Authorities.
		•	The Bank shall notify the Supervisory Authorities at least sixty days prior to undertaking asset growth that exceeds 10% or more per annum or initiating material changes in asset or liability composition.
		•	The Bank shall furnish written progress reports to the Supervisory Authorities within forty-five days from the end of each quarter, detailing the form and manner of any actions taken to secure compliance with this Consent Order.
	The Bank is in process of implementing comprehensive policies and plans to address all of the requirements of the Consent Order and has incorporated recommendations from the FDIC and OFR into these policies and plans. However, at December 31, 2013, the Bank was not in compliance with the minimum Tier 1 leverage capital ratio of 8% and a total risk-based capital ratio of 12%

Dividends

Dividends	12 Months Ended
	Dec. 31, 2013
Dividends [Abstract]	'
Dividends	'
	(14) Dividends
	The Company is limited in the amount of cash dividends that may be paid. Banking regulations place certain restrictions on dividends and loans or advances made by the Bank to the Holding Company. The amount of cash dividends that may be paid by the Bank to the Holding Company is based on the Bank’s net earnings of the current year combined with the Bank’s retained earnings of the preceding two years, as defined by state banking regulations. However, for any dividend declaration, the Company must consider additional factors such as the amount of current period net earnings, liquidity, asset quality, capital adequacy and economic conditions. It is likely that these factors would further limit the amount of dividends which the Company could declare. In addition, bank regulators have the authority to prohibit banks from paying dividends if they deem such payment to be an unsafe or unsound practice. At December 31, 2013, the Bank and Holding Company could not pay cash dividends (See Note 13).

Contingencies

Contingencies	12 Months Ended
	Dec. 31, 2013
Contingencies	'
Contingencies	'
	(15) Contingencies
	Various claims also arise from time to time in the normal course of business. In the opinion of management, none have occurred that will have a material effect on the Company’s consolidated financial statements.

Retirement_Plans

Retirement Plans	12 Months Ended
	Dec. 31, 2013
Retirement Plans	'
Retirement Plans	'
	(16) Retirement Plans
		Effective January 1, 2012, the Company established a 401(k) Profit Sharing plan covering all eligible employees who are over the age of twenty one and have completed one year of service.  The Company may make a matching contribution each year.  The Company did not make any matching contributions in connection with this plan during the year ended December 31, 2013 or 2012.

Fair_Value_Measurement

Fair Value Measurement	12 Months Ended
	Dec. 31, 2013
Fair Value Measurement	'
Fair Value Measurement	'
	(17) Fair Value Measurement
	Impaired collateral-dependent loans are carried at fair value when the current collateral value is lower than the carrying value of the loan. Those impaired collateral-dependent loans which are measured at fair value or a nonrecurring basis are as follows (in thousands):
												Losses
												Recorded in
												Operations
												For the
		At December 31, 2013										Year Ended
		Fair								Total		December 31,
		Value		Level 1		Level 2		Level 3		Losses		2013
	Residential real estate	$	1,523	$	0	$	0	$	1,523	$	507	$	77
	Commercial real estate		3,386		0		0		3,386		3,850		2,405
	Commercial		1,216		0		0		1,216		242		0
		$	6,125	$	0	$	0	$	6,125	$	4,599	$	2,482
												Losses
												Recorded in
												Operations
												For the
		At December 31, 2012										Year Ended
		Fair								Total		December 31,
		Value		Level 1		Level 2		Level 3		Losses		2012
	Residential real estate	$	1,247	$	0	$	0	$	1,247	$	451	$	0
	Commercial real estate		6,232		0		0		6,232		2,780		366
	Land and construction		887		0		0		887		449		0
		$	8,366	$	0	$	0	$	8,366	$	3,680	$	366
	Foreclosed real estate is recorded at fair value less estimated costs to sell. Foreclosed real estate which is measured at fair value on a nonrecurring basis is as follows (in thousands):
		At Year End										Losses Recorded
		Fair								Total		During the
		Value		Level 1		Level 2		Level 3		Losses		Year
	At December 31, 2013	$	7,553	$	0	$	0	$	7,553	$	1,696	$	859
	At December 31, 2012	$	10,938	$	0	$	0	$	10,938	$	862	$	91

Holding_Company_Financial_Info

Holding Company Financial Information	12 Months Ended
	Dec. 31, 2013
Holding Company Financial Information	'
Holding Company Financial Information	'
	(18) Holding Company Financial Information
	The Holding Company’s unconsolidated financial information as of December 31, 2013 and 2012 and for the years then ended follows (in thousands):
	Condensed Balance Sheets
		At December 31,
		2013			2012
	Assets
	Cash	$	36		$	109
	Investment in subsidiary		5,387			12,261
	Other assets		180			180
	Total assets	$	5,603		$	12,550
	Liabilities and Stockholders’ (Deficit) Equity
	Other liabilities	$	664		$	485
	Junior subordinated debenture		5,155			5,155
	Stockholders’ (deficit) equity		(216	)		6,910
	Total liabilities and stockholders’ (deficit) equity	$	5,603		$	12,550
	Condensed Statements of Operations
		Year Ended December 31,
		2013			2012
	Loss of subsidiary	$	(6,699	)	$	(4,302	)
	Interest expense		(153	)		(158	)
	Other expense		(223	)		(237	)
	Net loss	$	(7,075	)	$	(4,697	)
	Condensed Statements of Cash Flows
		Year Ended December 31,
		2013			2012
	Cash flows from operating activities:
	Net loss	$	(7,075	)	$	(4,697	)
	Adjustments to reconcile net loss to net cash used in operating activities:
	Equity in undistributed loss of subsidiary		6,699			4,302
	Decrease in other assets		0			50
	Increase in accrued other liabilities		179			158
	Net cash used in operating activities		(197	)		(187	)
	Cash flow from investing activity-
	Investment in subsidiary		0			(3,407	)
	Cash flows from financing activity-
	Proceeds from sale of common stock, net		124			3,657
	Net (decrease) increase in cash		(73	)		63
	Cash at beginning of the year		109			46
	Cash at end of year	$	36		$	109
	Noncash transactions-
	Change in accumulated other comprehensive income (loss) of subsidiary, net change in unrealized loss on securities available for sale	$	(223	)	$	1,164

Summary_of_Significant_Account1

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2013
Summary Of Significant Accounting Policies Policies	'
Basis of Presentation	'
	Basis of Presentation. The accompanying consolidated financial statements include the accounts of the Holding Company, the Bank and the Real Estate Holding Subsidiaries. All significant intercompany accounts and transactions have been eliminated in consolidation. The accounting and reporting practices of the Company conform to U.S. generally accepted accounting principles and to general practices within the banking industry. The following summarizes the more significant of these policies and practices:
Going Concern Status	'
	Going Concern Status. The Company has suffered losses from operations, continuing high levels of noninterest expenses and has a stockholders’ deficit at December 31, 2013. As discussed in Note 13, the Bank is subject to a Consent Order which requires the maintenance at a 12% total risk-based capital ratio. At December 31, 2013, the Bank’s recurring total risk-based capital ratio of 6.55% is significantly below the 12% level required to be a well-capitalized bank. As of December 31, 2013, the Bank would have needed approximately $5.5 million in additional capital to comply with the 12% total risk-based capital requirement. In the opinion of management the Company has taken certain actions which are expected to substantially reduce operating losses as follows:
		The Company has identified certain structural or contract related expenses that adversely impacted the Company’s ability to achieve core operational profitability. Specifically, there were $20 million in long term Federal Home Loan Bank Advances with above market interest rates that were extinguished in December 2013 and replaced with lower interest rate advances. The Company recognized a $1,548,000 loss on early extinguishment of debt in connection with this transaction. As a result of this restructuring, borrowings interest expense will be reduced annually by approximately $1.1 million through the maturity of the new advances. In addition the Company’s Directors and Officers insurance was replaced with a policy from another insurance carrier. Annual savings totaling approximately $130,000 are expected with no change in deductible or areas covered. The contract for core system processing is also being reviewed with additional savings anticipated. Going further, as part of the Company’s strategic planning process, other initiatives are being developed to achieve branch and operational efficiencies.
		The Company is in the process of raising additional capital. It is anticipated that the first effort will raise between $3 million and $4 million in a combination of common and preferred shares to both existing and new investors. A subsequent capital raise along with organic capital generation will be required to meet the target of 8% tier 1 and 12% total risk based capital. A formal Plan, including necessary shareholder approval, to achieve the 8% and 12% targets will be completed in the second quarter of 2014. However, there can be no assurance that the Company will be successful in its efforts to raise capital.
		Management forecasts the Company to be profitable for 2014 unless it incurs unforeseen loan loss provisions. Management has considered these factors in evaluating the Company’s ability to continue as a going concern and believes the Company will be able to meet all of its financial obligations and continue to operate as a going concern at least through December 31, 2014.
Use of Estimates	'
	Use of Estimates. In preparing consolidated financial statements in conformity with U.S. generally accepted accounting principles (“GAAP”), management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated balance sheet and 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 relate to the determination of the allowance for loan losses, the valuation of foreclosed real estate, and the deferred tax asset.
Cash and Cash Equivalents	'
	Cash and Cash Equivalents. For purposes of the consolidated statements of cash flows, cash and cash equivalents include cash and balances due from banks and interest-bearing deposits, all of which have original maturities of ninety days or less.
		The Company may be required by law or regulation to maintain cash reserves in the form of vault cash or in accounts with other banks. There were no reserve balances required at December 31, 2013 and 2012.
Securities	'
	Securities. Securities may be classified as either trading, held to maturity or available for sale. Trading securities are held principally for resale and recorded at their fair values. Unrealized gains and losses on trading securities are included immediately in operations. Held to maturity securities are those which management has the positive intent and ability to hold to maturity and are reported at amortized cost. Available for sale securities consist of securities not classified as trading securities nor as held to maturity securities. Unrealized holding gains and losses on available for sale securities are reported as a net amount in accumulated other comprehensive income in stockholders’ (deficit) equity until realized. Gains and losses on the sale of available for sale securities are determined using the specific-identification method. Premiums and discounts on securities are recognized in interest income using the interest method over the period to maturity.
Loans	'
	Loans. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are reported at their outstanding principal, adjusted for any charge-offs, the allowance for loan losses, and any deferred fees or costs.
		Commitment fees and loan origination fees are deferred and certain direct origination costs are capitalized. Both are recognized as an adjustment of the yield of the related loan.
		The accrual of interest on loans is discontinued at the time the loan is ninety days delinquent unless the loan is well collateralized and in process of collection. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful.
		All interest accrued but not collected for loans that are placed on nonaccrual or charged-off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
Allowance for Loan Losses	'
	Allowance for Loan Losses. The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to operations. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. There were no changes in the Company’s accounting policies or methodology during the years ended December 31, 2013 and 2012.
		The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.
		The allowance consists of specific and general components. The specific component relates to loans that are classified as impaired. For such loans, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loans are lower than the carrying value of those loans. The general component covers all other loans and is based on historical loss experience adjusted for qualitative factors.
		The historical loss component of the allowance is determined by losses recognized by portfolio segment over the preceding three years. The historical loss experience is adjusted for the risks by each portfolio segment. Risk factors impacting loans in each of the portfolio segments include: economic trends and conditions; experience, ability and depth of lending management; national and local political environment; industry conditions and trends in charge-offs; and other trends or uncertainties that could affect management’s estimate of probable losses.
		A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis for single-family and commercial real estate, land and construction and multi-family real estate loans, and consumer loans, by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral-dependent.
		Large groups of smaller balance homogeneous loans are collectively evaluated for impairment.
Foreclosed Real Estate	'
	Foreclosed Real Estate. Real estate acquired through, or in lieu of, loan foreclosure is to be sold and is initially recorded at fair value less estimated selling costs at the date of foreclosure establishing a new cost basis. After foreclosure, valuations are periodically performed by management and the real estate is carried at the lower of the new cost basis or fair value less cost to sell. Revenue and expenses from operations are included in the consolidated statements of operations.
Premises and Equipment	'
	Premises and Equipment. Land is stated at cost. Buildings and improvements, furniture, fixtures, equipment, and leasehold improvements are stated at cost, less accumulated depreciation and amortization. Depreciation and amortization expense are computed using the straight-line method over the estimated useful life of each type of asset or lease term, if shorter.
Preferred Securities of Unconsolidated Subsidiary Trust	'
	Preferred Securities of Unconsolidated Subsidiary Trust. The Company owns all of the common stock of OptimumBank Holdings Capital Trust I (“Issuer Trust”), an unconsolidated subsidiary trust. The Issuer Trust used the proceeds from the issuance of $5,000,000 of its preferred securities to third-party investors and common stock to acquire a $5,155,000 debenture issued by the Company. This debenture and certain capitalized costs associated with the issuance of the securities comprise the Issuer Trust’s only assets and the interest payments from the debentures finance the distributions paid on the preferred securities. The Company recorded the debenture in “Junior Subordinated Debenture” and its equity interest in the business trust in “Other Assets” on the consolidated balance sheets (See Note 7).
		The Company has entered into agreements which, taken collectively, fully and unconditionally guarantee the preferred securities of the Issuer Trust subject to the terms of the guarantee.
Transfer of Financial Assets	'
	Transfer of Financial Assets. Transfers of financial assets or a participating interest in an entire financial asset are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. A participating interest is a portion of an entire financial asset that (1) conveys proportionate ownership rights with equal priority to each participating interest holder (2) involves no recourse (other than standard representations and warranties) to, or subordination by, any participating interest holder, and (3) does not entitle any participating interest holder to receive cash before any other participating interest holder.
Income Taxes	'
	Income Taxes. There are two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods.
		Deferred tax assets are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management’s judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized.
		The Company provides reserves for potential payments of tax related to uncertain tax positions. These reserves are based on a determination of whether and how much of a tax benefit taken by the Company in its tax filings or positions is more likely than not to be realized following resolution of any potential contingencies present related to the tax benefit. Potential interest and penalties associated with such uncertain tax positions is recorded as a component of income tax expense. See Note 10, below, for additional details.
		The Company recognizes interest and penalties on income taxes as a component of income tax expense.
		The Holding Company and the Bank file a consolidated income tax return. Income taxes are allocated proportionately to the Holding Company and the Bank as though separate income tax returns were filed.
Advertising	'
	Advertising. The Company expenses all media advertising as incurred. Media advertising expense included in other noninterest expenses in the accompanying consolidated statements of operations was approximately $54,000 and $42,000 during the years ended December 31, 2013 and 2012, respectively.
Stock Compensation Plan	'
	Stock Compensation Plan. The Company has adopted the fair value recognition method and expenses the fair value of any stock options as they vest. Under the fair value recognition method, the Company recognizes stock-based compensation in the accompanying consolidated statements of operations.
Loss Per Share	'
	Loss Per Share. Basic loss per share is computed on the basis of the weighted-average number of common shares outstanding. In 2013 and 2012, basic and diluted loss per share is the same due to the net loss incurred by the Company. Loss per share has been restated for all periods presented to reflect the one-for-four reverse common share split effective May 31, 2013. Loss per common share has been computed based on the following:
		Year Ended December 31,
		2013		2012
	Weighted-average number of common shares outstanding used to calculate basic and diluted loss per common share		7,913,585		6,840,668
Off-Balance Sheet Financial Instruments	'
	Off-Balance-Sheet Financial Instruments. In the ordinary course of business the Company may enter into off-balance-sheet financial instruments consisting of commitments to extend credit. Such financial instruments are recorded in the consolidated financial statements when they are funded.
Fair Value Measurements	'
	Fair Value Measurements. Fair value is the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. The fair value hierarchy requires the Company to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The hierarchy describes three levels of inputs that may be used to measure fair value:
		Level 1: Observable inputs such as quoted prices (unadjusted) in active markets for identical assets or liabilities.
		Level 2: Inputs other than quoted prices that are observable for the asset or liability, either directly or indirectly. These include quoted prices for similar assets or liabilities in active markets; quoted prices for identical or similar assets or liabilities that are not active; and model-driven valuations whose inputs are observable or whose significant value drivers are observable. Valuations may be obtained from, or corroborated by, third-party pricing services.
		Level 3: Unobservable inputs to measure fair value of assets and liabilities for which there is little, if any market activity at the measurement date, using reasonable inputs and assumptions based upon the best information at the time, to the extent that inputs are available without undue cost and effort.
		The following describes valuation methodologies used for assets measured at fair value:
		Securities Available for Sale. Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 securities include highly liquid government bonds, certain mortgage products and exchange-traded equities. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flows. Examples of such instruments, which would generally be classified within Level 2 of the valuation hierarchy, include certain mortgage-backed securities and U.S. Government and agency securities.
		Impaired Loans. The Company’s impaired loans are normally collateral dependent and, as such, are carried at the lower of the Company’s net recorded investment in the loan or fair market value of the collateral less estimated selling costs. Estimates of fair value are determined based on a variety of information, including the use of available appraisals, estimates of market value by licensed appraisers or local real estate brokers and the knowledge and experience of the Company’s management related to values of properties in the Company’s market areas. Management takes into consideration the type, location and occupancy of the property as well as current economic conditions in the area the property is located in assessing estimates of fair value. Accordingly, fair value estimates for impaired loans are classified as Level 3.
		Foreclosed Real Estate. Estimates of fair values are determined based on a variety of information, including the use of available appraisals, estimates of market value by licensed appraisers or local real estate brokers and the knowledge and experience of the Company’s management related to values of properties in the Company’s market areas. Management takes into consideration the type, location and occupancy of the property as well as current economic conditions in the area the property is located in assessing estimates of fair value. Accordingly, the fair values estimates for foreclosed real estate are classified as Level 3.
Fair Values of Financial Instruments	'
	Fair Values of Financial Instruments. The following methods and assumptions were used by the Company in estimating fair values of financial instruments disclosed herein:
		Cash and Cash Equivalents. The carrying amounts of cash and cash equivalents approximate their fair value.
		Securities. Fair values for securities are based on the framework for measuring fair value established by GAAP.
		Loans. For variable-rate loans that reprice frequently and have no significant change in credit risk, fair values are based on carrying values. Fair values for fixed-rate loans, including fixed-rate residential and commercial real estate and commercial loans, are estimated using discounted cash flow analyses, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality.
		Federal Home Loan Bank Stock. Fair value of the Company’s investment in Federal Home Loan Bank stock is based on its redemption value, which is its cost of $100 per share.
		Accrued Interest Receivable. The carrying amount of accrued interest approximates its fair value.
		Deposit Liabilities. The fair values disclosed for demand, NOW, money-market and savings deposits are, by definition, equal to the amount payable on demand at the reporting date (that is, their carrying amounts). Fair values for fixed-rate time deposits are estimated using a discounted cash flow calculation that applies interest rates currently being offered on time deposits to a schedule of aggregated expected monthly maturities of time deposits.
		Federal Home Loan Bank Advances and Junior Subordinated Debenture. Fair values of Federal Home Loan Bank advances and junior subordinated debenture are estimated using discounted cash flow analysis based on the Company’s current incremental borrowing rates for similar types of borrowings.
		Off-Balance-Sheet Financial Instruments. Fair values for off-balance-sheet lending commitments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties’ credit standing.
Comprehensive Loss	'
	Comprehensive Loss. GAAP generally requires that recognized revenue, expenses, gains and losses be included in net loss. Although certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities, are reported as a separate component of the equity section of the consolidated balance sheets, such items along with net loss, are components of comprehensive loss. The only component of other comprehensive loss is the net change in the unrealized loss on the securities available for sale.
Recent Pronouncements and Regulatory Developments	'
	Recent Pronouncements. In January 2013, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2013-01, Clarifying the Scope of Disclosures about Offsetting Assets and Liabilities, which limits the scope of the new balance sheet offsetting disclosures in ASU 2011-11 to derivatives, repurchase agreements, and securities lending transactions to the extent that they are (1) offset in the financial statements or (2) subject to an enforceable master netting arrangement or similar agreement. The adoption of this guidance had no effect on the Company’s consolidated financial statements.
		In February 2013, the FASB Issued ASU No. 2013-02, Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income, which requires entities to present information about reclassification adjustments from accumulated other comprehensive (loss) income in their annual financial statements in a single note or on the face of the financial statements. This guidance is effective prospectively January 1, 2014. Upon adoption, this guidance is not expected to impact the Company’s consolidated financial statements.
		In February 2013, the FASB Issued ASU No. 2013-04, Obligations Resulting from Joint and Several Liability Arrangements for Which the Total Amount of the Obligation Is Fixed at the Reporting Date. ASU 2013-04 provides guidance for the recognition, measurement, and disclosure of obligations resulting from joint and several liability arrangements for obligations within the scope of this ASU, which is effective January 1, 2014. Upon adoption, this guidance is not expected to impact the Company’s consolidated financial statements.
		In July 2013, the FASB issued ASU No. 2013-10, Inclusion of the Fed Funds Effective Swap Rate (or Overnight Index Swap Rate) as a Benchmark Interest Rate for Hedge Accounting Purposes. ASU No. 2013-10 permits the use of the Fed Funds Effective Swap Rate (OIS) to be used as a U.S. benchmark interest rate for hedge account purposes. The amendment is effective prospectively for qualifying new or redesignated hedging relationships entered into on or after July 17, 2013. The adoption of this guidance had no effect on the Company’s consolidated financial statements.
		In July 2013, the FASB issued ASU 2013-11, Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists, which among other things, requires an unrecognized tax benefit, or a portion of an unrecognized tax benefit, to be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except as denoted within the ASU. The amendments in this ASU are effective for fiscal years, and interim periods within those years, beginning after December 15, 2013. Upon adoption, this guidance is not expected to impact the Company’s consolidated financial statements.
	Recent Regulatory Developments
		Basel III Rules. On July 2, 2013, the Federal Reserve Board (“FRB”) approved the final rules implementing the Basel Committee on Banking Supervision’s capital guidelines for U.S. banks. Under the final rules, minimum requirements will increase for both the quantity and quality of capital held by the Bank. The rules include a new common equity Tier 1 capital to risk-weighted assets ratio of 4.5% and a common equity Tier 1 capital conservation buffer of 2.5% of risk-weighted assets. The final rules also raise the minimum ratio of Tier 1 capital to risk-weighted assets from 4.0% to 6.0% and require a minimum leverage ratio of 4.0%. The final rules also implement strict eligibility criteria for regulatory capital instruments. On July 9, 2013, the FDIC also approved, as an interim final rule, the regulatory capital requirements for U.S. banks, following the actions of the FRB. The FDIC’s rule is identical in substance to the final rules issued by the FRB.
		The phase-in period for the final rules will begin for the Bank on January 1, 2015, with full compliance with all of the final rule’s requirements phased in over a multi-year schedule. The Company is currently evaluating the provisions of the final rules and their expected impact on the Bank and potential impact on the Holding Company.

Summary_of_Significant_Account2

Summary of Significant Account Policies (Tables)	12 Months Ended
	Dec. 31, 2013
Summary Of Significant Account Policies Tables	'
Schedule of weighted average number of shares	'
	Loss per common share has been computed based on the following:
		Year Ended December 31,
		2013		2012
	Weighted-average number of common shares outstanding used to calculate basic and diluted loss per common share		7,913,585		6,840,668

Securities_Tables

Securities (Tables)	12 Months Ended
	Dec. 31, 2013
Securities Tables	'
Schedule of amortized cost, unrealized gross gains and losses and fair values of securities available for sale	'
	Securities have been classified according to management’s intent. The carrying amount of securities and approximate fair values are as follows (in thousands):
					Gross		Gross
		Amortized			Unrealized		Unrealized			Fair
		Cost			Gains		Losses			Value
	At December 31, 2013:
	Securities Available for Sale
	Mortgage-backed securities	$	10,425		$	269	$	(69	)	$	10,625
	U.S. Government and agency securities		12,561			37		(233	)		12,365
	Total	$	22,986		$	306	$	(302	)	$	22,990
	At December 31, 2012:
	Securities Available for Sale-
	Mortgage-backed securities	$	15,425		$	283	$	(79	)	$	15,629
	U.S. Government and agency securities		2,997			22		0			3,019
	Total	$	18,422		$	305	$	(79	)	$	18,648
Schedule of securities available for sale, by contractual maturity	'
	Securities not due at a single maturity date are shown separately (in thousands):
		Securities Available for Sale
		Amortized			Fair
		Cost			Value
	Due five through ten years	$	695		$	694
	Due in ten years or more		11,866			11,671
	Mortgage-backed securities		10,425			10,625
		$	22,986		$	22,990
Schedule of proceeds from sales of securities	'
	The following summarizes sales of securities (in thousands):
		Year Ended December 31,
		2013			2012
	Proceeds from sales of securities	$	1,969		$	0
	Gross gains from sale of securities		8			0
	Gross losses from sale of securities		(28	)		0
	Net losses from sale of securities	$	(20	)	$	0
Schedule of securities with continuous unrealized loss position	'
	Securities with gross unrealized losses at December 31, 2013, aggregated by investment category and length of time that individual securities have been in a continuous loss position, is as follows (in thousands):
		Less Than Twelve Months
		Gross
		Unrealized			Fair
		Losses			Value
	Mortgage-backed securities	$	(69	)	$	2,256
	U.S. Government and agency securities		(233	)		8,896
		$	(302	)	$	11,152
Key assumptions for mortgage-backed securities	'
	The key base assumptions for mortgage-backed securities used are in the table below:
		At December 31,
		2013			2012
	Prepayment rate		8-21%			0.5-74.4%
	Loss severity		32-60%			26.2-75.6%
	Cumulative default rate		0.75-14.2%			0-35.1%
	Principal write-down		0-34.06%			0-2.7%
Schedule of securities available for sale measured at fair value on a recurring basis	'
	Available-for-sale securities measured at fair value on a recurring basis are summarized below (in thousands):
					Fair Value Measurements Using
					Quoted Prices
					In Active		Significant
					Markets for		Other			Significant
					Identical		Observable			Unobservable
		Fair			Assets		Inputs			Inputs
		Value			(Level 1)		(Level 2)			(Level 3)
	At December 31, 2013:
	Mortgage-backed securities	$	10,625		$	0	$	10,625		$	0
	U.S. Government and agency securities		12,365			0		12,365			0
		$	22,990		$	0	$	22,990		$	0
	At December 31, 2012:
	Mortgage-backed securities	$	15,629		$	0	$	15,629		$	0
	U.S. Government and agency securities		3,019			0		3,019			0
		$	18,648		$	0	$	18,648		$	0

Loans_Tables

Loans (Tables)	12 Months Ended
	Dec. 31, 2013
Loans Tables	'
Schedule of components of loans	'
	The components of loans are as follows (in thousands):
		At December 31,
		2013			2012
	Residential real estate	$	26,468		$	30,064
	Multi-family real estate		3,605			3,916
	Commercial real estate		27,883			39,126
	Land and construction		6,459			7,276
	Commercial		16,584			7,158
	Consumer		81			70
	Total loans		81,080			87,610
	Add (deduct):
	Net deferred loan fees, costs and premiums		380			58
	Allowance for loan losses		(2,211	)		(2,459	)
	Loans, net	$	79,249		$	85,209
Schedule of activity in the allowance for loan losses	'
	An analysis of the change in the allowance for loan losses for the years ended December 31, 2013 and 2012 follows (in thousands):
		Residential			Multi- Family			Commercial			Land
		Real			Real			Real			and
		Estate			Estate			Estate			Construction			Commercial			Consumer			Unallocated		Total
	Year Ended December 31, 2013:
	Beginning balance	$	434		$	267		$	1,372		$	166		$	216		$	4		$	0	$	2,459
	(Credit) provision for loan losses		(288	)		(263	)		2,235			(23	)		(155	)		(17	)		705		2,194
	Charge-offs		(97	)		0			(2,862	)		0			0			0			0		(2,959	)
	Recoveries		0			0			189			315			0			13			0		517
	Ending balance	$	49		$	4		$	934		$	458		$	61		$	0		$	705	$	2,211
	Year Ended December 31, 2012:
	Beginning balance	$	566		$	247		$	1,334		$	187		$	0		$	15		$	0	$	2,349
	(Credit) provision for loan losses ..		(1	)		19			912			531			216			(24	)		0		1,653
	Charge-offs		(147	)		0			(903	)		(798	)		0			0			0		(1,848	)
	Recoveries		16			1			29			246			0			13			0		305
	Ending balance	$	434		$	267		$	1,372		$	166		$	216		$	4		$	0	$	2,459
	The balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2013 and 2012 follows (in thousands):
		Residential			Multi- Family			Commercial			Land
		Real			Real			Real			and
		Estate			Estate			Estate			Construction			Commercial			Consumer			Unallocated		Total
	At December 31, 2013:
	Individually evaluated for impairment:
	Recorded investment	$	7,100		$	0		$	5,227		$	0		$	1,216		$	0		$	0	$	13,543
	Balance in allowance for loan losses	$	0		$	0		$	192		$	0		$	0		$	0		$	0	$	192
	Collectively evaluated for impairment:
	Recorded investment	$	19,368		$	3,605		$	22,656		$	6,459		$	15,368		$	81		$	0	$	67,537
	Balance in allowance for loan losses	$	49		$	4		$	742		$	458		$	61		$	0		$	705	$	2,019
		Residential			Multi- Family			Commercial			Land
		Real			Real			Real			and
		Estate			Estate			Estate			Construction			Commercial			Consumer			Total
	At December 31, 2012:
	Individually evaluated for impairment:
	Recorded investment	$	7,573		$	0		$	11,535		$	886		$	0		$	0		$	19,994
	Balance in allowance for loan losses	$	0		$	0		$	366		$	0		$	0		$	0		$	366
	Collectively evaluated for impairment:
	Recorded investment	$	22,491		$	3,916		$	27,591		$	6,390		$	7,158		$	70		$	67,616
	Balance in allowance for loan losses	$	434		$	267		$	1,006		$	166		$	216		$	4		$	2,093
Schedule of loans by credit quality indicator	'
	The following summarizes the loan credit quality (in thousands):
					OLEM
					(Other Loans
					Especially
		Pass			Mentioned)			Substandard			Doubtful			Loss			Total
	At December 31, 2013:
	Residential real estate	$	18,260		$	1,290		$	6,918		$	0		$	0		$	26,468
	Multi-family real estate		3,605			0			0			0			0			3,605
	Commercial real estate		18,544			2,539			6,800			0			0			27,883
	Land and construction		4,493			1,966			0			0			0			6,459
	Commercial		13,056			546			2,982			0			0			16,584
	Consumer		81			0			0			0			0			81
	Total	$	58,039		$	6,341		$	16,700		$	0		$	0		$	81,080
	At December 31, 2012:
	Residential real estate	$	22,491		$	0		$	7,573		$	0		$	0		$	30,064
	Multi-family real estate		3,916			0			0			0			0			3,916
	Commercial real estate		24,967			2,624			11,535			0			0			39,126
	Land and construction		4,402			1,987			887			0			0			7,276
	Commercial		7,092			66			0			0			0			7,158
	Consumer		70			0			0			0			0			70
	Total	$	62,938		$	4,677		$	19,995		$	0		$	0		$	87,610
Schedule of aging analysis of past due loans	'
	Age analysis of past-due loans is as follows (in thousands):
		Accruing Loans
		30-59			60-89			Greater Than 90
		Days			Days			Days			Total
		Past			Past			Past			Past						Nonaccrual			Total
		Due			Due			Due			Due			Current			Loans			Loans
	At December 31, 2013:
	Residential real estate	$	1,290		$	0		$	0		$	1,290		$	20,895		$	4,283		$	26,468
	Multi-family real estate		0			0			0			0			3,605			0			3,605
	Commercial real estate		0			0			0			0			24,565			3,318			27,883
	Land and construction		0			0			0			0			6,459			0			6,459
	Commercial		281			0			0			281			15,087			1,216			16,584
	Consumer		0			0			0			0			81			0			81
	Total	$	1,571		$	0		$	0		$	1,571		$	70,692		$	8,817		$	81,080
	At December 31, 2012:
	Residential real estate	$	0		$	2,915		$	0		$	2,915		$	22,492		$	4,657		$	30,064
	Multi-family real estate		0			0			0			0			3,916			0			3,916
	Commercial real estate		0			0			0			0			27,591			11,535			39,126
	Land and construction		0			0			0			0			6,389			887			7,276
	Commercial		699			0			0			699			6,459			0			7,158
	Consumer		0			0			0			0			70			0			70
	Total	$	699		$	2,915		$	0		$	3,614		$	66,917		$	17,079		$	87,610
Schedule of impaired loans	'
	The following summarizes the amount of impaired loans (in thousands):
		At December 31, 2013									At December 31, 2012
					Unpaid									Unpaid
		Recorded			Principal			Related			Recorded			Principal			Related
		Investment			Balance			Allowance			Investment			Balance			Allowance
	With no related allowance recorded:
	Residential real estate	$	7,100		$	7,607		$	0		$	7,573		$	8,024		$	0
	Commercial real estate		4,128			4,534			0			8,661			11,412			0
	Land and construction		0			0			0			886			2,410			0
	Consumer		0			0			0			0			0			0
	Commercial		1,216			1,458			0			0			0			0
	With an allowance recorded-
	Commercial real estate	$	1,099		$	2,913		$	192		$	2,874		$	2,874		$	366
	Total:
	Residential real estate	$	7,100		$	7,607		$	0		$	7,573		$	8,024		$	0
	Commercial real estate	$	5,227		$	7,447		$	192		$	11,535		$	14,286		$	366
	Land and construction	$	0		$	0		$	0		$	886		$	2,410		$	0
	Consumer	$	0		$	0		$	0		$	0		$	0		$	0
	Commercial	$	1,216		$	1,458		$	0		$	0		$	0		$	0
	Total	$	13,543		$	16,512		$	192		$	19,994		$	24,720		$	366
	The average net investment in impaired loans and interest income recognized and received on impaired loans are as follows (in thousands):
		For the Year Ended December 31,
		2013									2012
		Average			Interest			Interest			Average			Interest			Interest
		Recorded			Income			Income			Recorded			Income			Income
		Investment			Recognized			Received			Investment			Recognized			Received
	Residential real estate	$	7,255		$	264		$	594		$	7,795		$	175		$	307
	Multi-family real estate	$	0		$	0		$	0		$	0		$	0		$	0
	Commercial real estate	$	8,807		$	277		$	448		$	14,219		$	0		$	222
	Land and construction	$	408		$	55		$	81		$	3,729		$	0		$	87
	Consumer	$	0		$	0		$	0		$	0		$	0		$	0
	Commercial	$	1,389		$	0		$	60		$	0		$	0		$	0
	Total	$	17,859		$	596		$	1,183		$	25,743		$	175		$	616
Schedule of troubled debt restructurings	'
	There were no loans determined to be troubled debt restructurings (“TDR’s”) during the year ended December 31, 2013. The following is a summary of loans determined to be TDR’s during the year ended December 31, 2012 (dollars in thousands):
					Pre-			Post-
					Modification			Modification
		Number			Outstanding			Outstanding
		of			Recorded			Recorded
		Contracts			Investment			Investment
	Troubled Debt Restructurings:
	Residential real estate
	Modified interest rate and amortization		1		$	941		$	941

Premises_and_Equipment_Tables

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2013
Premises And Equipment Tables	'
Schedule of premises and equipment	'
	A summary of premises and equipment follows (in thousands):
		At December 31,
		2013			2012
	Land	$	1,171		$	1,171
	Buildings and improvements		2,053			2,046
	Furniture, fixtures and equipment		1,271			1,170
	Leasehold improvements		119			119
	Total, at cost		4,614			4,506
	Less accumulated depreciation and amortization		(1,735	)		(1,600	)
	Premises and equipment, net	$	2,879		$	2,906
Schedule of future minimum lease payments for operating lease	'
	At December 31, 2013, the future minimum lease payments are approximately as follows (in thousands):
	Year Ending December 31,	Amount
	2014	$	84

Foreclosed_Real_Estate_Tables

Foreclosed Real Estate (Tables)	12 Months Ended
	Dec. 31, 2013
Foreclosed Real Estate Tables	'
Schedule of expenses related to other real estate owned	'
	Expenses applicable to foreclosed real estate are as follows (in thousands):
		Year Ended December 31,
		2013		2012
	Provision for losses on foreclosed real estate	$	1,004	$	102
	Loss on sale of foreclosed real estate		135		32
	Operating expenses		123		416
		$	1,262	$	550

Deposits_Tables

Deposits (Tables)	12 Months Ended
	Dec. 31, 2013
Deposits Tables	'
Schedule of maturities of time deposits	'
	A schedule of maturities of time deposits at December 31, 2013 follows (in thousands):
	Year Ending December 31,	Amount
	2014	$	48,855
	2015		13,124
	2016		699
	2017		994
	2018		444
		$	64,116

Federal_Home_Loan_Bank_Advance1

Federal Home Loan Bank Advances and Junior Subordinated Debenture (Tables)	12 Months Ended
	Dec. 31, 2013
Federal Home Loan Bank Advances And Junior Subordinated Debenture Tables	'
Schedule of maturities of FHLB Advances	'
	The maturities and interest rates on the Federal Home Loan Bank (“FHLB”) advances were as follows (dollars in thousands):
	Maturity	Interest			At December 31,
	Year Ending December 31,	Rate			2013		2012
	2013		3.64	%	$	0	$	7,500
	2014		0.36			12,740		0
	2015		0.47			10,000		0
	2016		4.51			0		5,000
	2016		4.65			0		8,000
	2016		4.44			0		5,600
	2017		4.38			0		1,600
					$	22,740	$	27,700

Financial_Instruments_Tables

Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2013
Financial Instruments Tables	'
Schedule of carrying amount and fair value of financial instruments	'
	The estimated fair values of the Company’s financial instruments were as follows (in thousands):
		At December 31, 2013				At December 31, 2012
		Carrying		Fair		Carrying		Fair
		Amount		Value		Amount		Value
	Financial assets:
	Cash and cash equivalents	$	13,881	$	13,881	$	23,611	$	23,611
	Securities available for sale		22,990		22,990		18,648		18,648
	Loans		79,249		79,043		85,209		85,046
	Federal Home Loan Bank stock		1,196		1,196		1,478		1,478
	Accrued interest receivable		496		496		499		499
	Financial liabilities:
	Deposit liabilities		98,692		99,003		101,611		101,985
	Federal Home Loan Bank advances		22,740		22,734		27,700		29,633
	Junior subordinated debenture		5,155		4,828		5,155		4,836
	Off-balance sheet financial instruments		0		0		0		0

Income_Taxes_Tables

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2013
Income Taxes Tables	'
Schedule of components of income tax expense	'
	Income taxes consisted of the following (in thousands):
		Year Ended December 31,
		2013			2012
	Current:
	Federal	$	320		$	0
	State		0			0
	Total current		320			0
	Deferred:
	Federal		(2,169	)		(1,508	)
	State		(371	)		(259	)
	Change in valuation allowance		2,540			1,767
	Total deferred		0			0
	Total	$	320		$	0
Schedule of effective income tax rate reconciliation	'
	The reasons for the differences between the statutory Federal income tax rate and the effective tax rate are summarized as follows (dollars in thousands):
		Year Ended December 31,
		2013						2012
					% of						% of
					Pretax						Pretax
		Amount			Loss			Amount			Loss
	Income tax benefit at statutory rate	$	(2,297	)		(34.0	)%	$	(1,597	)		(34.0	)%
	Increase (decrease) resulting from:
	State taxes, net of Federal tax benefit		(243	)		(3.6	)		(170	)		(3.6	)
	Change in valuation allowance		2,540			37.6			1,767			37.6
	Internal Revenue Service examination		320			4.7			0			0
		$	320			4.7	%	$	0			0	%
Schedule of deferred tax assets and liabilities	'
	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities are presented below (in thousands).
		At December 31,
		2013			2012
	Deferred tax assets:
	Allowance for loan losses	$	67		$	421
	Net operating loss carryforwards		9,518			6,887
	Premises and equipment		100			132
	Impaired securities		216			190
	Foreclosed property expenses		907			650
	Nonaccrual loan interest		406			399
	Other		75			72
	Gross deferred tax assets		11,289			8,751
	Less: Valuation allowance		11,277			8,737
	Net deferred tax assets		12			14
	Deferred tax liability-
	Loan costs		12			14
	Net deferred tax asset (liability)	$	0		$	0
Schedule of unrecognized tax benefits	'
	A reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows (in thousands):
		2013
	Balance, beginning of year	$	—
	Additions for tax positions related to current year		—
	Additions for tax positions of prior years		320
	Balance, end of year	$	320

StockBased_Compensation_Tables

Stock-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2013
Stock-Based Compensation Tables	'
Schedule of stock option activity	'
	A summary of the activity in the prior plan is as follows (dollars in thousands, except share amounts):
							Weighted-
					Weighted-		Average
					Average		Remaining		Aggregate
		Number of			Exercise		Contractual		Intrinsic
		Options			Price		Term		Value
	Outstanding at December 31, 2011		12,725		$	137.24
	Expired		(1,899	)		142.56
	Forfeited		(3,987	)		97.92
	Outstanding at December 31, 2012		6,839			145.08
	Forfeited		(3,799	)		159.6
	Outstanding and exercisable at December 31, 2013		3,040		$	126.96		1.3 years	$	0

Regulatory_Matters_Tables

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2013
Regulatory Matters Tables	'
Schedule of regulatory capital requirements	'
	The Bank’s actual capital amounts and percentages are also presented in the table (dollars in thousands):
												Minimum
												To Be Well
												Capitalized Under
							For Capital					Prompt Corrective					Requirements of
		Actual					Adequacy Purposes					Action Provisions					Consent Order
		Amount		%			Amount		%			Amount		%			Amount		%
	As of December 31, 2013:
	Total Capital to Risk-Weighted Assets	$	6,667		6.55	%	$	8,140		8	%	$	10,180		10	%	$	12,210		12	%
	Tier I Capital to Risk-Weighted Assets		5,383		5.29			4,070		4			6,110		6			N/A		N/A
	Tier I Capital to Total Assets		5,383		4.21			5,110		4			6,390		5			10,220		8
	As of December 31, 2012:
	Total Capital to Risk-Weighted Assets	$	13,506		11.48	%	$	9,412		8	%	$	11,765		10	%	$	14,118		12	%
	Tier I Capital to Risk-Weighted Assets		12,035		10.23			4,706		4			7,059		6			N/A		N/A
	Tier I Capital to Total Assets		12,035		8.12			5,932		4			7,415		5			11,864		8

Fair_Value_Measurement_Tables

Fair Value Measurement (Tables)	12 Months Ended
	Dec. 31, 2013
Fair Value Measurement Tables	'
Schedule of assets measured on a nonrecurring basis	'
	Those impaired collateral-dependent loans which are measured at fair value or a nonrecurring basis are as follows (in thousands):
												Losses
												Recorded in
												Operations
												For the
		At December 31, 2013										Year Ended
		Fair								Total		December 31,
		Value		Level 1		Level 2		Level 3		Losses		2013
	Residential real estate	$	1,523	$	0	$	0	$	1,523	$	507	$	77
	Commercial real estate		3,386		0		0		3,386		3,850		2,405
	Commercial		1,216		0		0		1,216		242		0
		$	6,125	$	0	$	0	$	6,125	$	4,599	$	2,482
												Losses
												Recorded in
												Operations
												For the
		At December 31, 2012										Year Ended
		Fair								Total		December 31,
		Value		Level 1		Level 2		Level 3		Losses		2012
	Residential real estate	$	1,247	$	0	$	0	$	1,247	$	451	$	0
	Commercial real estate		6,232		0		0		6,232		2,780		366
	Land and construction		887		0		0		887		449		0
		$	8,366	$	0	$	0	$	8,366	$	3,680	$	366
	Foreclosed real estate is recorded at fair value less estimated costs to sell. Foreclosed real estate which is measured at fair value on a nonrecurring basis is as follows (in thousands):
		At Year End										Losses Recorded
		Fair								Total		During the
		Value		Level 1		Level 2		Level 3		Losses		Year
	At December 31, 2013	$	7,553	$	0	$	0	$	7,553	$	1,696	$	859
	At December 31, 2012	$	10,938	$	0	$	0	$	10,938	$	862	$	91

Holding_Company_Financial_Info1

Holding Company Financial Information (Tables)	12 Months Ended
	Dec. 31, 2013
Holding Company Financial Information Tables	'
Condensed Balance Sheet	'
	Condensed Balance Sheets
		At December 31,
		2013			2012
	Assets
	Cash	$	36		$	109
	Investment in subsidiary		5,387			12,261
	Other assets		180			180
	Total assets	$	5,603		$	12,550
	Liabilities and Stockholders’ (Deficit) Equity
	Other liabilities	$	664		$	485
	Junior subordinated debenture		5,155			5,155
	Stockholders’ (deficit) equity		(216	)		6,910
	Total liabilities and stockholders’ (deficit) equity	$	5,603		$	12,550
Condensed Statements of Income and Comprehensive Income	'
	Condensed Statements of Operations
		Year Ended December 31,
		2013			2012
	Loss of subsidiary	$	(6,699	)	$	(4,302	)
	Interest expense		(153	)		(158	)
	Other expense		(223	)		(237	)
	Net loss	$	(7,075	)	$	(4,697	)
Condensed Statements of Cash Flows	'
	Condensed Statements of Cash Flows
		Year Ended December 31,
		2013			2012
	Cash flows from operating activities:
	Net loss	$	(7,075	)	$	(4,697	)
	Adjustments to reconcile net loss to net cash used in operating activities:
	Equity in undistributed loss of subsidiary		6,699			4,302
	Decrease in other assets		0			50
	Increase in accrued other liabilities		179			158
	Net cash used in operating activities		(197	)		(187	)
	Cash flow from investing activity-
	Investment in subsidiary		0			(3,407	)
	Cash flows from financing activity-
	Proceeds from sale of common stock, net		124			3,657
	Net (decrease) increase in cash		(73	)		63
	Cash at beginning of the year		109			46
	Cash at end of year	$	36		$	109
	Noncash transactions-
	Change in accumulated other comprehensive income (loss) of subsidiary, net change in unrealized loss on securities available for sale	$	(223	)	$	1,164

Summary_of_Significant_Account3

Summary of Significant Accounting Policies (Details Narrative) (USD $)	1 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2013	Dec. 31, 2012
Optimum Bank Holdings ownership interest in Optimum Bank a state (Florida)-chartered commercial bank	'	100.00%	'
Minimum Capital required under consent order, ratio	12.00%	12.00%	12.00%
Actual total risk-based capital ratio	6.55%	6.55%	11.48%
Additional capital needed to comply with required total risk-based capital requirement	$5,500	$5,500	'
Repayment of Federal Home Loan Bank advances	20,000	27,700	4,000
Loss of early extinguishment of debt	1,548	1,548	0
Reduction in annual borrowings interest expense	'	-1,100	'
Annual savings expected	'	130	'
Required Tier 1 capital to total assets ratio	8.00%	8.00%	8.00%
Junior subordinated debenture	5,155	5,155	5,155
Advertising expense	'	54	42
OptimumBank Holdings Capital Trust I	'	'	'
Preferred Securities issued	5,000	5,000	'
Junior subordinated debenture	5,155	5,155	'
Lower Range	'	'	'
Expected additional capital to be raised	'	3,000	'
Upper Range	'	'	'
Expected additional capital to be raised	'	$4,000	'

Summary_of_Significant_Account4

Summary of Significant Accounting Policies (Details)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Summary Of Significant Accounting Policies Details	'	'
Weighted-average number of common shares outstanding used to calculate basic and diluted loss per common share	7,913,585	6,840,668

Securities_Details_Narrative

Securities (Details Narrative) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Securities Details Narrative	'	'
Other than temporary impairment on securities available for sale	$362	$409
Cumulative other-than-temporary impairment on securities available for sale	$866	'

Securities_Details

Securities (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Carrying amount of securities and approximate fair values:	'	'
Amortized Cost	$22,986	$18,422
Gross Unrealized Gains	306	305
Gross Unrealized Losses	-302	-79
Fair Value	22,990	18,648
Mortgage-backed securities	'	'
Carrying amount of securities and approximate fair values:	'	'
Amortized Cost	10,425	15,425
Gross Unrealized Gains	269	283
Gross Unrealized Losses	-69	-79
Fair Value	10,625	15,629
U.S. Government and agency securities	'	'
Carrying amount of securities and approximate fair values:	'	'
Amortized Cost	12,561	2,997
Gross Unrealized Gains	37	22
Gross Unrealized Losses	-233	0
Fair Value	$12,365	$3,019

Securities_Details_1

Securities (Details 1) (USD $)	Dec. 31, 2013
In Thousands, unless otherwise specified
Amortized cost:	'
Due five through ten years	$695
Due in ten years	11,866
[AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost]	22,986
Fair Value:	'
Due five through ten years	694
Due in ten years	11,671
[AvailableForSaleSecuritiesDebtMaturitiesFairValue]	22,990
Mortgage-backed securities	'
Amortized cost:	'
Due in ten years	10,425
Fair Value:	'
Due in ten years	$10,625

Securities_Details_2

Securities (Details 2) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Securities Details 2	'	'
Proceeds from sale of security available for sale	$1,969	'
Gross gains from sale of securities	8	'
Gross losses from sale of securities	-28	'
Net losses from sale of securities	($20)	'

Securities_Details_3

Securities (Details 3) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013
Securities in an Unrealized Loss Position for Less than 12 Months	'
Unrealized Losses	($302)
Fair Value	11,152
Mortgage-backed securities	'
Securities in an Unrealized Loss Position for Less than 12 Months	'
Unrealized Losses	-69
Fair Value	2,256
U.S. Government and agency securities	'
Securities in an Unrealized Loss Position for Less than 12 Months	'
Unrealized Losses	-233
Fair Value	$8,896

Securities_Details_4

Securities (Details 4) (Mortgage-backed securities)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Lower Range	'	'
Prepayment rate	8.00%	0.50%
Loss severity	32.00%	26.20%
Cumulative default rate	0.75%	0.00%
Principal write-down	0.00%	0.00%
Upper Range	'	'
Prepayment rate	21.00%	74.40%
Loss severity	60.00%	75.60%
Cumulative default rate	14.20%	35.10%
Principal write-down	34.06%	2.70%

Securities_Details_5

Securities (Details 5) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Securities available for sale, fair value	$22,990	$18,648
Recurring Basis | Fair Value	'	'
Securities available for sale, fair value	22,990	18,648
Recurring Basis | Quoted Prices in Active Markets for Identical Assets (Level 1)	'	'
Securities available for sale, fair value	0	0
Recurring Basis | Significant Other Observable Inputs (Level 2)	'	'
Securities available for sale, fair value	22,990	18,648
Recurring Basis | Signficiant Unobservable Inputs (Level 3)	'	'
Securities available for sale, fair value	0	0
Mortgage-backed securities	'	'
Securities available for sale, fair value	10,625	15,629
Mortgage-backed securities | Recurring Basis | Fair Value	'	'
Securities available for sale, fair value	10,625	15,629
Mortgage-backed securities | Recurring Basis | Quoted Prices in Active Markets for Identical Assets (Level 1)	'	'
Securities available for sale, fair value	0	0
Mortgage-backed securities | Recurring Basis | Significant Other Observable Inputs (Level 2)	'	'
Securities available for sale, fair value	10,625	15,629
Mortgage-backed securities | Recurring Basis | Signficiant Unobservable Inputs (Level 3)	'	'
Securities available for sale, fair value	0	0
U.S. Government and agency securities	'	'
Securities available for sale, fair value	12,365	3,019
U.S. Government and agency securities | Recurring Basis | Fair Value	'	'
Securities available for sale, fair value	12,365	3,019
U.S. Government and agency securities | Recurring Basis | Quoted Prices in Active Markets for Identical Assets (Level 1)	'	'
Securities available for sale, fair value	0	0
U.S. Government and agency securities | Recurring Basis | Significant Other Observable Inputs (Level 2)	'	'
Securities available for sale, fair value	12,365	3,019
U.S. Government and agency securities | Recurring Basis | Signficiant Unobservable Inputs (Level 3)	'	'
Securities available for sale, fair value	$0	$0

Loans_Details

Loans (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Loans, gross	$81,080	$87,610	'
Net deferred loan fees, costs and premiums	380	58	'
Allowance for loan losses	-2,211	-2,459	-2,349
Loans, net	79,249	85,209	'
Residential real estate	'	'	'
Loans, gross	26,468	30,064	'
Allowance for loan losses	-49	-434	-566
Multi-family real estate	'	'	'
Loans, gross	3,605	3,916	'
Allowance for loan losses	-4	-267	-247
Commercial real estate	'	'	'
Loans, gross	27,883	39,126	'
Allowance for loan losses	-934	-1,372	-1,334
Land and construction	'	'	'
Loans, gross	6,459	7,276	'
Allowance for loan losses	-458	-166	-187
Commercial	'	'	'
Loans, gross	16,584	7,158	'
Allowance for loan losses	-61	-216	0
Consumer	'	'	'
Loans, gross	81	70	'
Allowance for loan losses	$0	($4)	($15)

Loans_Details_1

Loans (Details 1) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Activity in the allowance for loan losses by portfolio segment	'	'
Beginning balance	$2,459	$2,349
(Credit) provision for loan losses	2,194	1,653
Charge-offs	-2,959	-1,848
Recoveries	517	305
Ending balance	2,211	2,459
Residential real estate	'	'
Activity in the allowance for loan losses by portfolio segment	'	'
Beginning balance	434	566
(Credit) provision for loan losses	-288	-1
Charge-offs	-97	-147
Recoveries	0	16
Ending balance	49	434
Multi-family real estate	'	'
Activity in the allowance for loan losses by portfolio segment	'	'
Beginning balance	267	247
(Credit) provision for loan losses	-263	19
Charge-offs	0	0
Recoveries	0	1
Ending balance	4	267
Commercial real estate	'	'
Activity in the allowance for loan losses by portfolio segment	'	'
Beginning balance	1,372	1,334
(Credit) provision for loan losses	2,235	912
Charge-offs	-2,862	-903
Recoveries	189	29
Ending balance	934	1,372
Land and construction	'	'
Activity in the allowance for loan losses by portfolio segment	'	'
Beginning balance	166	187
(Credit) provision for loan losses	-23	531
Charge-offs	0	-798
Recoveries	315	246
Ending balance	458	166
Commercial	'	'
Activity in the allowance for loan losses by portfolio segment	'	'
Beginning balance	216	0
(Credit) provision for loan losses	-155	216
Charge-offs	0	0
Recoveries	0	0
Ending balance	61	216
Consumer	'	'
Activity in the allowance for loan losses by portfolio segment	'	'
Beginning balance	4	15
(Credit) provision for loan losses	-17	-24
Charge-offs	0	0
Recoveries	13	13
Ending balance	0	4
Unallocated	'	'
Activity in the allowance for loan losses by portfolio segment	'	'
Beginning balance	0	0
(Credit) provision for loan losses	705	0
Charge-offs	0	0
Recoveries	0	0
Ending balance	$705	$0

Loans_Details_2

Loans (Details 2) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Allowance balance attributed to loans:	'	'
Recorded investment, Individually evaluated for impairment	$13,543	$19,994
Allowance for loan losses, Individually evaluated for impairment	192	366
Recorded investment, Collectively evaluated for impairment	67,537	67,616
Allowance for loan losses, Collectively evaluated for impairment	2,019	2,093
Residential real estate	'	'
Allowance balance attributed to loans:	'	'
Recorded investment, Individually evaluated for impairment	7,100	7,573
Allowance for loan losses, Individually evaluated for impairment	0	0
Recorded investment, Collectively evaluated for impairment	19,368	22,491
Allowance for loan losses, Collectively evaluated for impairment	49	434
Multi-family real estate	'	'
Allowance balance attributed to loans:	'	'
Recorded investment, Individually evaluated for impairment	0	0
Allowance for loan losses, Individually evaluated for impairment	0	0
Recorded investment, Collectively evaluated for impairment	3,605	3,916
Allowance for loan losses, Collectively evaluated for impairment	4	267
Commercial real estate	'	'
Allowance balance attributed to loans:	'	'
Recorded investment, Individually evaluated for impairment	5,227	11,535
Allowance for loan losses, Individually evaluated for impairment	192	366
Recorded investment, Collectively evaluated for impairment	22,656	27,591
Allowance for loan losses, Collectively evaluated for impairment	742	1,006
Land and construction	'	'
Allowance balance attributed to loans:	'	'
Recorded investment, Individually evaluated for impairment	0	886
Allowance for loan losses, Individually evaluated for impairment	0	0
Recorded investment, Collectively evaluated for impairment	6,459	6,390
Allowance for loan losses, Collectively evaluated for impairment	458	166
Commercial	'	'
Allowance balance attributed to loans:	'	'
Recorded investment, Individually evaluated for impairment	1,216	0
Allowance for loan losses, Individually evaluated for impairment	0	0
Recorded investment, Collectively evaluated for impairment	15,368	7,158
Allowance for loan losses, Collectively evaluated for impairment	61	216
Consumer	'	'
Allowance balance attributed to loans:	'	'
Recorded investment, Individually evaluated for impairment	0	0
Allowance for loan losses, Individually evaluated for impairment	0	0
Recorded investment, Collectively evaluated for impairment	81	70
Allowance for loan losses, Collectively evaluated for impairment	0	4
Unallocated	'	'
Allowance balance attributed to loans:	'	'
Recorded investment, Individually evaluated for impairment	0	'
Allowance for loan losses, Individually evaluated for impairment	0	'
Recorded investment, Collectively evaluated for impairment	0	'
Allowance for loan losses, Collectively evaluated for impairment	$705	'

Loans_Details_3

Loans (Details 3) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Risk rated loans	$81,080	$87,610
Pass	'	'
Risk rated loans	58,039	62,938
OLEM (Other Loans Especially Mentioned)	'	'
Risk rated loans	6,341	4,677
Substandard	'	'
Risk rated loans	16,700	19,995
Doubtful	'	'
Risk rated loans	0	0
Loss	'	'
Risk rated loans	0	0
Residential real estate	'	'
Risk rated loans	26,468	30,064
Residential real estate | Pass	'	'
Risk rated loans	18,260	22,491
Residential real estate | OLEM (Other Loans Especially Mentioned)	'	'
Risk rated loans	1,290	0
Residential real estate | Substandard	'	'
Risk rated loans	6,918	7,573
Residential real estate | Doubtful	'	'
Risk rated loans	0	0
Residential real estate | Loss	'	'
Risk rated loans	0	0
Multi-family real estate	'	'
Risk rated loans	3,605	3,916
Multi-family real estate | Pass	'	'
Risk rated loans	3,605	3,916
Multi-family real estate | OLEM (Other Loans Especially Mentioned)	'	'
Risk rated loans	0	0
Multi-family real estate | Substandard	'	'
Risk rated loans	0	0
Multi-family real estate | Doubtful	'	'
Risk rated loans	0	0
Multi-family real estate | Loss	'	'
Risk rated loans	0	0
Commercial real estate	'	'
Risk rated loans	27,883	39,126
Commercial real estate | Pass	'	'
Risk rated loans	18,544	24,967
Commercial real estate | OLEM (Other Loans Especially Mentioned)	'	'
Risk rated loans	2,539	2,624
Commercial real estate | Substandard	'	'
Risk rated loans	6,800	11,535
Commercial real estate | Doubtful	'	'
Risk rated loans	0	0
Commercial real estate | Loss	'	'
Risk rated loans	0	0
Land and construction	'	'
Risk rated loans	6,459	7,276
Land and construction | Pass	'	'
Risk rated loans	4,493	4,402
Land and construction | OLEM (Other Loans Especially Mentioned)	'	'
Risk rated loans	1,966	1,987
Land and construction | Substandard	'	'
Risk rated loans	0	887
Land and construction | Doubtful	'	'
Risk rated loans	0	0
Land and construction | Loss	'	'
Risk rated loans	0	0
Commercial	'	'
Risk rated loans	16,584	7,158
Commercial | Pass	'	'
Risk rated loans	13,056	7,092
Commercial | OLEM (Other Loans Especially Mentioned)	'	'
Risk rated loans	546	66
Commercial | Substandard	'	'
Risk rated loans	2,982	0
Commercial | Doubtful	'	'
Risk rated loans	0	0
Commercial | Loss	'	'
Risk rated loans	0	0
Consumer	'	'
Risk rated loans	81	70
Consumer | Pass	'	'
Risk rated loans	81	70
Consumer | OLEM (Other Loans Especially Mentioned)	'	'
Risk rated loans	0	0
Consumer | Substandard	'	'
Risk rated loans	0	0
Consumer | Doubtful	'	'
Risk rated loans	0	0
Consumer | Loss	'	'
Risk rated loans	$0	$0

Loans_Details_4

Loans (Details 4) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Aging analysis of past due loans	'	'
30-59 Days Past Due	$1,571	$699
60-89 Days Past Due	0	2,915
Greater Than 90 Days Past Due	0	0
Total Past Due	1,571	3,614
Current Loans	70,692	66,917
Nonaccrual Loans	8,817	17,079
Total loans	81,080	87,610
Residential real estate	'	'
Aging analysis of past due loans	'	'
30-59 Days Past Due	1,290	0
60-89 Days Past Due	0	2,915
Greater Than 90 Days Past Due	0	0
Total Past Due	1,290	2,915
Current Loans	20,895	22,492
Nonaccrual Loans	4,283	4,657
Total loans	26,468	30,064
Multi-family real estate	'	'
Aging analysis of past due loans	'	'
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
Greater Than 90 Days Past Due	0	0
Total Past Due	0	0
Current Loans	3,605	3,916
Nonaccrual Loans	0	0
Total loans	3,605	3,916
Commercial real estate	'	'
Aging analysis of past due loans	'	'
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
Greater Than 90 Days Past Due	0	0
Total Past Due	0	0
Current Loans	24,565	27,591
Nonaccrual Loans	3,318	11,535
Total loans	27,883	39,126
Land and construction	'	'
Aging analysis of past due loans	'	'
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
Greater Than 90 Days Past Due	0	0
Total Past Due	0	0
Current Loans	6,459	6,389
Nonaccrual Loans	0	887
Total loans	6,459	7,276
Commercial	'	'
Aging analysis of past due loans	'	'
30-59 Days Past Due	281	699
60-89 Days Past Due	0	0
Greater Than 90 Days Past Due	0	0
Total Past Due	281	699
Current Loans	15,087	6,459
Nonaccrual Loans	1,216	0
Total loans	16,584	7,158
Consumer	'	'
Aging analysis of past due loans	'	'
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
Greater Than 90 Days Past Due	0	0
Total Past Due	0	0
Current Loans	81	70
Nonaccrual Loans	0	0
Total loans	$81	$70

Loans_Details_5

Loans (Details 5) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Loans with an allowance recorded:	'	'
Related Allowance	$192	$366
Total impaired loans	'	'
Impaired loans - Recorded Investment	13,543	19,994
Impaired loans - Unpaid Principal Balance	16,512	24,720
Residential real estate	'	'
Loans with no related allowance recorded:	'	'
Recorded Investment , With no related allowance recorded	7,100	7,573
Unpaid Principal Balance, With no related allowance recorded	7,607	8,024
Total impaired loans	'	'
Impaired loans - Recorded Investment	7,100	7,573
Impaired loans - Unpaid Principal Balance	7,607	8,024
Commercial real estate	'	'
Loans with no related allowance recorded:	'	'
Recorded Investment , With no related allowance recorded	4,128	8,661
Unpaid Principal Balance, With no related allowance recorded	4,534	11,412
Loans with an allowance recorded:	'	'
Recorded Investment , With related allowance recorded	1,099	2,874
Unpaid Principal Balance, With related allowance recorded	2,913	2,874
Related Allowance	192	366
Total impaired loans	'	'
Impaired loans - Recorded Investment	5,227	11,535
Impaired loans - Unpaid Principal Balance	7,447	14,286
Land and construction	'	'
Loans with no related allowance recorded:	'	'
Recorded Investment , With no related allowance recorded	0	886
Unpaid Principal Balance, With no related allowance recorded	0	2,410
Total impaired loans	'	'
Impaired loans - Recorded Investment	0	886
Impaired loans - Unpaid Principal Balance	0	2,410
Consumer	'	'
Loans with no related allowance recorded:	'	'
Recorded Investment , With no related allowance recorded	0	0
Unpaid Principal Balance, With no related allowance recorded	0	0
Total impaired loans	'	'
Impaired loans - Recorded Investment	0	0
Impaired loans - Unpaid Principal Balance	0	0
Commercial	'	'
Loans with no related allowance recorded:	'	'
Recorded Investment , With no related allowance recorded	1,216	0
Unpaid Principal Balance, With no related allowance recorded	1,458	0
Total impaired loans	'	'
Impaired loans - Recorded Investment	1,216	0
Impaired loans - Unpaid Principal Balance	$1,458	$0

Loans_Details_6

Loans (Details 6) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Impaired Loans:	'	'
Impaired loans - Average Recorded Investment	$17,859	$25,743
Impaired loans - Interest Income Recognized	596	175
Impaired loans - Interest Income Received	1,183	616
Residential real estate	'	'
Impaired Loans:	'	'
Impaired loans - Average Recorded Investment	7,255	7,795
Impaired loans - Interest Income Recognized	264	175
Impaired loans - Interest Income Received	594	307
Multi-family real estate	'	'
Impaired Loans:	'	'
Impaired loans - Average Recorded Investment	0	0
Impaired loans - Interest Income Recognized	0	0
Impaired loans - Interest Income Received	0	0
Commercial real estate	'	'
Impaired Loans:	'	'
Impaired loans - Average Recorded Investment	8,807	14,219
Impaired loans - Interest Income Recognized	277	0
Impaired loans - Interest Income Received	448	222
Land and construction	'	'
Impaired Loans:	'	'
Impaired loans - Average Recorded Investment	408	3,729
Impaired loans - Interest Income Recognized	55	0
Impaired loans - Interest Income Received	81	87
Consumer	'	'
Impaired Loans:	'	'
Impaired loans - Average Recorded Investment	0	0
Impaired loans - Interest Income Recognized	0	0
Impaired loans - Interest Income Received	0	0
Commercial	'	'
Impaired Loans:	'	'
Impaired loans - Average Recorded Investment	1,389	0
Impaired loans - Interest Income Recognized	0	0
Impaired loans - Interest Income Received	$60	$0

Loans_Details_7

Loans (Details 7) (Residential real estate, USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013
	Loans
Residential real estate	'
Troubled Debt Restructuring	'
Number of Contracts	1
Pre-modification outstanding recorded investment	$941
Post-modification outstanding recorded investment	$941

Premises_and_Equipment_Details

Premises and Equipment (Details Narrative) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Premises And Equipment Details Narrative	'	'
Rental Expense	$80	$84

Premises_and_Equipment_Details1

Premises and Equipment (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Premises and equipment, gross	$4,614	$4,506
Less Accumulated Depreciation and Amortization	-1,735	-1,600
Premises and equipment, net	2,879	2,906
Land	'	'
Premises and equipment, gross	1,171	1,171
Buildings and improvements	'	'
Premises and equipment, gross	2,053	2,046
Furniture, fixtures and equipment	'	'
Premises and equipment, gross	1,271	1,170
Leasehold improvements	'	'
Premises and equipment, gross	$119	$119

Premises_and_Equipment_Details2

Premises and Equipment (Details 1) (USD $)	Dec. 31, 2013
In Thousands, unless otherwise specified
Future minimum operating lease payments	'
2014	$84

Foreclosed_Real_Estate_Details

Foreclosed Real Estate (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Foreclosed Real Estate Details	'	'
Provision for unrealized losses	$1,004	$102
Loss on sale of foreclosed real estate	135	32
Operating expenses, net of rental income	123	416
Foreclosed real estate expenses	$1,262	$550

Deposits_Details_Narrative

Deposits (Details Narrative) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Deposits Details Narrative	'	'
Time deposits greater than $100,000	$21,700	$27,500

Deposits_Details

Deposits (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Maturity of Deposits	'	'
2014	$48,855	'
2015	13,124	'
2016	699	'
2017	994	'
2018	444	'
Total	$64,116	$62,832

Federal_Home_Loan_Bank_Advance2

Federal Home Loan Bank Advances and Junior Subordinated Debenture (Details Narrative) (USD $)	1 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2013	Dec. 31, 2012
Federal Home Loan Bank Advances And Junior Subordinated Debenture Details Narrative	'	'	'
Available for sale securities and lien on qualifying loans pledged as collateral to the Federal Home Loan Bank	$7,100	$7,100	$6,500
Loss of early extinguishment of debt	1,548	1,548	0
Junior subordinated debenture	5,155	5,155	5,155
Debt interest rate, fixed rate for first five years after issuance	'	'	6.40%
Debt interest rate terms	'	'three-month LIBOR	'three-month LIBOR
Basis spread on variable rate	'	2.69%	2.45%
Deferred interest payments on debenture	$638	$638	$485

Federal_Home_Loan_Bank_Advance3

Federal Home Loan Bank Advances and Junior Subordinated Debenture (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Maturities of Federal Home Loan Bank Advances	'	'
2013	$0	$7,500
2014	17,240	0
2015	10,000	0
2017	'	1,600
Total	22,740	27,700
Average Interest Rate	'	'
2013	'	3.64%
2014	0.36%	'
2015	4.70%	'
2017	'	4.38%
Federal Home Loan Bank Advances Maturing in 2016 Tranche 1	'	'
Maturities of Federal Home Loan Bank Advances	'	'
2016	0	5,000
Average Interest Rate	'	'
2016	'	4.51%
Federal Home Loan Bank Advances Maturing in 2016 Tranche 2	'	'
Maturities of Federal Home Loan Bank Advances	'	'
2016	0	8,000
Average Interest Rate	'	'
2016	'	4.65%
Federal Home Loan Bank Advances Maturing in 2016 Tranche 3	'	'
Maturities of Federal Home Loan Bank Advances	'	'
2016	$0	$5,600
Average Interest Rate	'	'
2016	'	4.44%

Financial_Instruments_Details_

Financial Instruments (Details Narrative) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Commitments	'	'
Commitments to Extend Credit	'	'
Commitments	$3,748	'

Financial_Instruments_Details

Financial Instruments (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Financial assets:	'	'
Securities available for sale	$22,990	$18,648
Accrued interest receivable	496	499
Carrying Amount	'	'
Financial assets:	'	'
Cash and cash equivalents	13,881	23,611
Securities available for sale	22,990	18,648
Loans	79,249	85,209
Federal Home Loan Bank stock	1,196	1,478
Accrued interest receivable	496	499
Financial liabilities:	'	'
Deposit liabilities	98,692	101,611
Federal Home Loan Bank advances	22,740	27,700
Junior subordinated debenture	5,155	5,155
Off-balance sheet financial instruments	0	0
Fair Value	'	'
Financial assets:	'	'
Cash and cash equivalents	13,881	23,611
Securities available for sale	22,990	18,648
Loans	79,043	85,046
Federal Home Loan Bank stock	1,196	1,478
Accrued interest receivable	496	499
Financial liabilities:	'	'
Deposit liabilities	99,003	101,985
Federal Home Loan Bank advances	22,734	29,633
Junior subordinated debenture	4,828	4,836
Off-balance sheet financial instruments	$0	$0

Income_Taxes_Details_Narrative

Income Taxes (Details Narrative) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Potential additional income tax liability from IRS examination	$869	'
Penalties and interest accrued for IRS examination	320	0
Federal	'	'
Net Operating Loss carryforwards	24,200	'
Florida	'	'
Net Operating Loss carryforwards	$35,100	'

Income_Taxes_Details

Income Taxes (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Current:	'	'
Federal	$320	$0
State	0	0
Total Current	320	0
Deferred:	'	'
Federal	-2,169	-1,508
State	-371	-259
Change in valuation allowance	2,540	1,767
Total Deferred	'	'
Income Tax Expense	$320	$0

Income_Taxes_Details_1

Income Taxes (Details 1) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Rate Reconciliation	'	'
Income tax benefit at statutory rate, tax rate	-34.00%	-34.00%
Increase (decrease) in tax rate resulting from:	'	'
State income taxes, net of Federal benefit	-3.60%	-3.60%
Change in valuation allowance	37.60%	37.60%
Internal Revenue Service examination	4.70%	0.00%
Total	4.70%	0.00%
Expense Reconciliation	'	'
Income tax benefit at statutory rate	($2,297)	($1,597)
Increase (decrease) in income taxes resulting from:	'	'
State income taxes, net of Federal benefit	-243	-170
Change in valuation allowance	2,540	1,767
Internal Revenue Service examination	320	0
Income Tax Expense	$320	$0

Income_Taxes_Details_2

Income Taxes (Details 2) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Deferred tax assets:	'	'
Allowance for loan losses	$67	$421
Net operating loss carryforwards	9,518	6,887
Premises and equipment	100	132
Impaired securities	216	190
Foreclosed property expenses	907	650
Nonaccrual loan interest	406	399
Other	75	72
Gross deferred tax assets	11,289	8,751
Valuation allowance for deferred tax assets	11,277	8,737
Net deferred tax assets	12	14
Deferred tax liabilities:	'	'
Loan costs	12	14
Net deferred tax asset	$0	$0

Income_Taxes_Details_3

Income Taxes (Details 3) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013
Income Taxes Details 3	'
Unrecognized tax benefits, beginning	$0
Additions for tax positions related to current year	0
Additions for tax positions of prior years	320
Unrecognized tax benefits, ending	$320

Related_Party_Transactions_Det

Related Party Transactions (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Related Party Transactions Details	'	'
Related party loans receivable	$546	$2,243
Related party deposit liabilities	$2,677	$2,867

StockBased_Compensation_Detail

Stock-Based Compensation (Details Narrative) (USD $)	12 Months Ended		24 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2013
			2011 Plan and Non-Employee Director Compensation Plan
Shares available to be issued under the 2011 Plan	507,979	'	'
Reverse split ratio	0.25	'	'
Options granted	'	'	42,021
Fair value of options granted	$47	$28	'

StockBased_Compensation_Detail1

Stock-Based Compensation (Details) (USD $)	12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Number of options	'	'
Outstanding, beginning shares	6,839	12,725
Expired	'	-1,899
Forfeited	-3,799	-3,987
Outstanding and exercisable, ending shares	3,040	6,839
Options, Weighted-Average Exercise Price	'	'
Outstanding, beginning	$145	$137
Expired	'	$143
Forfeited	$160	$97.92
Outstanding and exercisable, ending	$127	$145
Weighted- Average Remaining Contractual Term	'1 year 3 months 18 days	'
Aggregate Intrinsic Value	$0	'

Regulatory_Matters_Details

Regulatory Matters (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Total Capital	'	'
Total Capital	$6,667	$13,506
Total Capital (to risk-weighted assets) ratio	6.55%	11.48%
Minimum amount of capital for adequacy purposes	8,140	9,412
Minimum amount of capital for adequacy purposes, ratio	8.00%	8.00%
Minimum Capital required to be well-capitalized	10,180	11,765
Minimum Capital required to be well-capitalized, ratio	10.00%	10.00%
Minimum Capital required under consent order	12,210	14,118
Minimum Capital required under consent order, ratio	12.00%	12.00%
Tier 1 Capital (to risk-weighted assets)	'	'
Tier 1 Capital	5,383	12,035
Tier 1 Capital (to risk-weighted assets) ratio	5.29%	10.23%
Minimum amount of Tier 1 Capital for adequacy purposes	4,070	4,706
Minimum amount of Tier 1 Capital for adequacy purposes, ratio	4.00%	4.00%
Minimum Tier 1 Capital required to be well-capitalized	6,110	7,059
Minimum Tier 1 Capital required to be well-capitalized, ratio	6.00%	6.00%
Tier 1 Leverage Capital (to average assets)	'	'
Tier 1 Capital	5,383	12,035
Tier 1 Capital (to average assets) ratio	4.21%	8.12%
Minimum amount of Tier 1 Capital for adequacy purposes	5,110	5,932
Minimum amount of Tier 1 Capital for adequacy purposes, ratio	4.00%	4.00%
Minimum Tier 1 Capital required to be well-capitalized	6,390	7,415
Minimum Tier 1 Capital required to be well-capitalized, ratio	5.00%	5.00%
Minimum Tier 1 Capital required under consent order	$10,220	$11,864
Minimum Tier 1 Capital required under consent order, ratio	8.00%	8.00%

Fair_Value_Measurement_Details

Fair Value Measurement (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Foreclosed real estate, Fair Value	$7,553	$10,938
Residential real estate | Nonrecurring	'	'
Losses recorded in operations	77	'
Commercial real estate | Nonrecurring	'	'
Losses recorded in operations	2,405	'
Commercial | Nonrecurring	'	'
Losses recorded in operations	0	'
Nonrecurring	'	'
Loans receivable, Fair Value	6,125	8,366
Foreclosed real estate, Fair Value	7,553	3,680
Nonrecurring | Total Loans Receivable	'	'
Cumulative Fair value losses	2,482	3,680
Losses recorded in operations	2,482	366
Nonrecurring | Foreclosed Real Estate	'	'
Cumulative Fair value losses	1,696	102
Losses recorded in operations	859	91
Nonrecurring | Quoted Prices in Active Markets for Identical Assets (Level 1)	'	'
Loans receivable, Fair Value	0	0
Foreclosed real estate, Fair Value	0	0
Nonrecurring | Significant Other Observable Inputs (Level 2)	'	'
Loans receivable, Fair Value	0	0
Foreclosed real estate, Fair Value	0	0
Nonrecurring | Signficiant Unobservable Inputs (Level 3)	'	'
Loans receivable, Fair Value	6,125	8,366
Foreclosed real estate, Fair Value	7,553	10,938
Nonrecurring | Residential real estate	'	'
Loans receivable, Fair Value	1,523	1,247
Foreclosed real estate, Fair Value	'	451
Cumulative Fair value losses	507	'
Losses recorded in operations	'	0
Nonrecurring | Residential real estate | Quoted Prices in Active Markets for Identical Assets (Level 1)	'	'
Loans receivable, Fair Value	0	0
Nonrecurring | Residential real estate | Significant Other Observable Inputs (Level 2)	'	'
Loans receivable, Fair Value	0	0
Nonrecurring | Residential real estate | Signficiant Unobservable Inputs (Level 3)	'	'
Loans receivable, Fair Value	1,523	1,247
Nonrecurring | Commercial real estate	'	'
Loans receivable, Fair Value	3,386	6,232
Foreclosed real estate, Fair Value	'	2,780
Cumulative Fair value losses	3,850	'
Losses recorded in operations	'	366
Nonrecurring | Commercial real estate | Quoted Prices in Active Markets for Identical Assets (Level 1)	'	'
Loans receivable, Fair Value	0	0
Nonrecurring | Commercial real estate | Significant Other Observable Inputs (Level 2)	'	'
Loans receivable, Fair Value	0	0
Nonrecurring | Commercial real estate | Signficiant Unobservable Inputs (Level 3)	'	'
Loans receivable, Fair Value	3,386	6,232
Nonrecurring | Commercial	'	'
Loans receivable, Fair Value	1,216	'
Cumulative Fair value losses	242	'
Nonrecurring | Commercial | Quoted Prices in Active Markets for Identical Assets (Level 1)	'	'
Loans receivable, Fair Value	0	'
Nonrecurring | Land and construction	'	'
Loans receivable, Fair Value	'	887
Foreclosed real estate, Fair Value	'	449
Losses recorded in operations	'	0
Nonrecurring | Land and construction | Quoted Prices in Active Markets for Identical Assets (Level 1)	'	'
Loans receivable, Fair Value	'	0
Nonrecurring | Land and construction | Significant Other Observable Inputs (Level 2)	'	'
Loans receivable, Fair Value	0	0
Nonrecurring | Land and construction | Signficiant Unobservable Inputs (Level 3)	'	'
Loans receivable, Fair Value	$1,216	$887

Holding_Company_Financial_Info2

Holding Company Financial Information (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Assets	'	'	'	'
Other assets	$539	$454	'	'
Total assets	128,783	143,743	'	'
Liabilities and Stockholders' (Deficit) Equity	'	'	'	'
Other liabilities	1,753	1,325	'	'
Junior subordinated debenture	5,155	5,155	'	'
Total stockholders' (deficit) equity	-216	6,910	6,910	6,786
Total liabilities and stockholders' (deficit) equity	128,783	143,743	'	'
Holding Company	'	'	'	'
Assets	'	'	'	'
Cash	36	109	'	46
Investment in subsidiary	5,387	12,261	'	'
Other assets	180	180	'	'
Total assets	5,603	12,550	'	'
Liabilities and Stockholders' (Deficit) Equity	'	'	'	'
Other liabilities	664	485	'	'
Junior subordinated debenture	5,155	5,155	'	'
Total stockholders' (deficit) equity	-216	6,910	'	'
Total liabilities and stockholders' (deficit) equity	$5,603	$12,550	'	'

Holding_Company_Financial_Info3

Holding Company Financial Information (Details 1) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Total interest expense	($1,919)	($2,581)
Other expense	-281	-733
Net loss	-7,075	-4,697
Holding Company	'	'
Loss of subsidiary	-6,699	-4,302
Total interest expense	-153	-158
Other expense	-223	-237
Net loss	($7,075)	($4,697)

Holding_Company_Financial_Info4

Holding Company Financial Information (Details 2) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Cash flows from operating activities:	'	'
Net loss	($7,075)	($4,697)
Adjustments to reconcile net loss to net cash used in operating activities:	'	'
Decrease (increase) in other assets	-85	123
Net cash used in operating activities	-2,966	-2,663
Cash flow from financing activity - proceeds from sale of common stock, net	124	3,629
Net (decrease) increase in cash and cash equivalents	-9,730	835
Noncash transactions:	'	'
Change in accumulated other comprehensive income (loss) of subsidiary, net change in unrealized loss on securities available for sale	-222	1,164
Holding Company	'	'
Cash flows from operating activities:	'	'
Net loss	-7,075	-4,697
Adjustments to reconcile net loss to net cash used in operating activities:	'	'
Equity in undistributed earnings of subsidiary	6,699	4,302
Decrease (increase) in other assets	0	50
Increase in accrued other liabilities	179	158
Net cash used in operating activities	-197	-187
Cash flow from investing activity - investment in subsidiary	0	-3,407
Cash flow from financing activity - proceeds from sale of common stock, net	124	3,657
Net (decrease) increase in cash and cash equivalents	-73	63
Cash and cash equivalents at beginning of the year	109	46
Cash and cash equivalents at end of the year	36	109
Noncash transactions:	'	'
Change in accumulated other comprehensive income (loss) of subsidiary, net change in unrealized loss on securities available for sale	($223)	$1,164