Solera National Bancorp (SLRK) Inactive 10-Q8 Nov 132013 Q3 Quarterly reportFinancial data

Company Profile

Document_and_Entity_Informatio

Document and Entity Information	9 Months Ended
Document and Entity Information	Sep. 30, 2013	Oct. 30, 2013
Document And Entity Information	'	'
Entity Registrant Name	'Solera National Bancorp, Inc.	'
Entity Central Index Key	'0001357231	'
Document Type	'10-Q	'
Document Period End Date	30-Sep-13	'
Amendment Flag	'false	'
Current Fiscal Year End Date	'--12-31	'
Entity Filer Category	'Smaller Reporting Company	'
Entity Common Stock, Shares Outstanding	'	2,678,390
Document Fiscal Period Focus	'Q3	'
Document Fiscal Year Focus	'2013	'

Consolidated_Balance_Sheets_Un

Consolidated Balance Sheets (Unaudited) (USD $)	Sep. 30, 2013		Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013		Dec. 31, 2012
ASSETS	'		'
Cash and cash equivalents	$1,822		$2,738
Interest-bearing deposits with banks	257		257
Investment securities, available-for-sale	77,648		84,710
Gross loans	72,595		59,632
Net deferred expenses/(fees)	47		175
Allowance for loan and lease losses	-1,101		-1,063
NET LOANS	71,541		58,744
Loans held for sale	9,672		180
Federal Home Loan Bank (FHLB) and Federal Reserve Bank (FRB) stocks	2,350		1,189
Bank-owned life insurance	4,277		2,067
Other real estate owned	1,776		1,776
Premises and equipment, net	937		998
Accrued interest receivable	724		707
Other assets	1,293		531
TOTAL ASSETS	172,297		153,897
Deposits	'		'
Noninterest-bearing demand	4,742		3,387
Interest-bearing demand	9,562		8,218
Savings and money market	52,429		55,358
Time deposits	60,639		57,769
TOTAL DEPOSITS	127,372		124,732
Accrued interest payable	78		56
Accounts payable and other liabilities	1,143		668
FHLB advances	25,447		8,500
TOTAL LIABILITIES	154,040		133,956
COMMITMENTS AND CONTINGENCIES	'		'
Stockholders' equity	'		'
Common stock	26	[1]	26	[1]
Additional paid-in capital	26,493		26,206
Accumulated deficit	-7,377		-7,359
Accumulated other comprehensive (loss) income	-885		1,068
TOTAL STOCKHOLDERS' EQUITY	18,257		19,941
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$172,297		$153,897

[1]	$0.01 par value; 10,000,000 shares authorized; 2,678,390 shares issued and outstanding at September 30, 2013, which includes 85,000 shares of unvested restricted stock; 5,000,000 shares authorized; 2,653,671 shares issued and outstanding at December 31, 2012, which includes 100,000 shares of unvested restricted stock.

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets (Parenthetical) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Common stock, par value (in dollars per share)	$0.01	$0.01
Common stock, shares authorized	10,000,000	5,000,000
Common stock, shares issued	2,678,390	2,653,671
Common Stock, Shares, Outstanding	2,678,390	2,653,671
Restricted Stock [Member]	'	'
Unvested restricted stock, shares issued and outstanding	85,000	100,000

Consolidated_Statements_of_Ope

Consolidated Statements of Operations and Comprehensive (Loss) Income (Unaudited) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
INTEREST INCOME	'	'	'	'
Interest and fees on loans	$949	$862	$2,607	$2,437
Interest on loans held for sale	112	0	327	0
Interest on investment securities	432	505	1,289	1,548
Dividends on FHLB and FRB stocks	17	11	51	29
Other interest income	3	3	6	8
TOTAL INTEREST INCOME	1,513	1,381	4,280	4,022
INTEREST EXPENSE	'	'	'	'
Deposits	271	285	785	864
FHLB advances	40	34	119	98
Other	0	1	0	4
TOTAL INTEREST EXPENSE	311	320	904	966
NET INTEREST INCOME BEFORE PROVISION	1,202	1,061	3,376	3,056
Provision for loan and lease losses	0	0	0	0
NET INTEREST INCOME AFTER PROVISION	1,202	1,061	3,376	3,056
NONINTEREST INCOME	'	'	'	'
Service charges and fees	31	20	73	54
Other income	39	20	94	49
Gain on loans sold	1,564	0	5,576	25
Gain on sale of available-for-sale securities	49	289	294	569
TOTAL NONINTEREST INCOME	1,683	329	6,037	697
NONINTEREST EXPENSE	'	'	'	'
Employee compensation and benefits	2,429	635	6,509	1,789
Occupancy	257	120	777	367
Professional fees	157	123	394	345
Other general and administrative	680	438	1,751	1,084
TOTAL NONINTEREST EXPENSE	3,523	1,316	9,431	3,585
INCOME BEFORE INCOME TAXES	-638	74	-18	168
Provision for income taxes	0	0	0	0
Net income / (loss)	-638	74	-18	168
OTHER COMPREHENSIVE (LOSS) INCOME, NET OF TAX	'	'	'	'
Net change in unrealized (losses) gains on securities	33	533	-1,659	1,292
Less: net gains included in net income	-49	-289	-294	-569
OTHER COMPREHENSIVE (LOSS) INCOME	-16	244	-1,953	723
COMPREHENSIVE (LOSS) INCOME	($654)	$318	($1,971)	$891
PER SHARE DATA	'	'	'	'
(Loss) earnings per share - basic (In dollars per share)	($0.25)	$0.03	($0.01)	$0.07
Weighted-average common shares outstanding - basic (shares)	2,568,708	2,553,671	2,566,460	2,553,671
(Loss) earnings per share - diluted (In dollars per share)	($0.25)	$0.03	($0.01)	$0.07
Weighted-average common shares outstanding - diluted (shares)	2,568,708	2,565,105	2,566,460	2,559,020

Consolidated_Statements_of_Cha

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (USD $)	Total	Common Stock	Additional Paid-In Capital	Accumulated Deficit	Accumulated Other Comprehensive Income
In Thousands, except Share data, unless otherwise specified	Total	Common Stock	Additional Paid-In Capital	Accumulated Deficit	Accumulated Other Comprehensive Income
Beginning Balance - Amount at Dec. 31, 2011	$19,039	$26	$26,146	($7,640)	$507
Beginning Balance, Shares at Dec. 31, 2011	'	2,553,671	'	'	'
Increase (Decrease) in Stockholders' Equity [Roll Forward]	'	'	'	'	'
Options exercised, Shares	0	'	'	'	'
Stock-based compensation	38	'	38	'	'
Net income / (loss)	168	'	'	168	'
Other comprehensive income (loss)	723	'	'	'	723
Ending Balance, Amount at Sep. 30, 2012	19,968	26	26,184	-7,472	1,230
Ending Balance, Shares at Sep. 30, 2012	'	2,553,671	'	'	'
Beginning Balance - Amount at Dec. 31, 2012	19,941	26	26,206	-7,359	1,068
Beginning Balance, Shares at Dec. 31, 2012	2,653,671	2,653,671	'	'	'
Increase (Decrease) in Stockholders' Equity [Roll Forward]	'	'	'	'	'
Options exercised	50	'	50	'	'
Stock compensation awards	10,000	'	'	'	'
Options exercised, Shares	14,719	14,719	'	'	'
Stock-based compensation	237	'	237	'	'
Net income / (loss)	-18	'	'	-18	'
Other comprehensive income (loss)	-1,953	'	'	'	-1,953
Ending Balance, Amount at Sep. 30, 2013	$18,257	$26	$26,493	($7,377)	($885)
Ending Balance, Shares at Sep. 30, 2013	2,678,390	2,678,390	'	'	'

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Statement of Cash Flows [Abstract]	'	'
Net income / (loss)	($18)	$168
Adjustments to reconcile net income to cash flows from operating activities:	'	'
Depreciation and amortization	214	88
Provision for loan and lease losses	0	0
Net amortization/(accretion) of deferred loan fees/expenses	37	-3
Net amortization of premiums on investment securities	1,073	1,122
Recognition of stock-based compensation on stock options/restricted stock awards	237	38
Loans originated for sale	-198,663	0
Proceeds from sale of loans held for sale	194,635	0
Gain on sale of loans held for sale	-5,464	0
Gain on sale of available-for-sale securities	-294	-569
Gain on sale of SBA loans	-112	25
Proceeds from the sale of SBA loans	1,531	0
Federal Home Loan Bank stock dividend	-26	-6
Increase in bank-owned life insurance cash surrender value	-210	-47
Changes in operating assets and liabilities:	'	'
Accrued interest receivable	-17	-123
Other assets	-348	3
Accrued interest payable	22	18
Accounts payable and other liabilities	475	-50
Deferred loan fees/expenses, net	91	-289
Net cash (used in)/provided by operating activities	-6,837	375
CASH FLOWS FROM INVESTING ACTIVITIES:	'	'
Purchases of investment securities, available-for-sale	-23,296	-44,095
Proceeds from sales of investment securities, available-for-sale	15,173	31,828
Proceeds from maturity/call/paydown of investment securities, available-for-sale	12,453	10,711
Maturity of interest-bearing deposits with banks, net	0	1,000
Purchases of FHLB/FRB bank stocks, net	-1,135	-35
Purchase of bank-owned life insurance	-2,000	-2,000
Loan (originations)/principal collections, net	-14,344	-6,078
Purchases of premises and equipment	-99	-21
Net cash used in investing activities	-13,248	-8,690
CASH FLOWS FROM FINANCING ACTIVITIES:	'	'
Net increase in deposits	2,640	6,487
Cash paid for acquisition of core deposits	-468	0
Net increase in FHLB advances	16,947	2,000
Principal payments on capital lease	0	-28
Proceeds from stock options exercised	50	0
Net cash provided by financing activities	19,169	8,459
Net (decrease)/increase in cash and cash equivalents	-916	144
Cash and cash equivalents at beginning of period	2,738	1,800
Cash and cash equivalents at end of period	1,822	1,944
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:	'	'
Interest	882	948
Income taxes paid	0	0
Non-cash investing transactions:	'	'
Charge-off of uncollectable receivables related to an OREO property	-139	0
Unrealized (loss)/gain on investment securities, available-for-sale	($1,953)	$723

Summary_of_Organization

Summary of Organization	9 Months Ended
Summary of Organization	Sep. 30, 2013
Organization, Consolidation and Presentation of Financial Statements [Abstract]	'
SUMMARY OF ORGANIZATION	'
	SUMMARY OF ORGANIZATION

	Solera National Bancorp, Inc., a bank holding company, is a Delaware corporation that formed in 2006 to organize and serve as the holding company for Solera National Bank (the “Bank”). The Bank, which is chartered as a national bank by the Office of the Comptroller of the Currency, (“OCC”), is a wholly-owned subsidiary of Solera National Bancorp, Inc. The Bank is a full-service commercial bank headquartered in Lakewood, Colorado that commenced banking operations in the third quarter of 2007. The Bank provides a variety of financial services to individuals, businesses, and not-for-profit organizations primarily located in the six-county Denver metropolitan area. Its primary lending products are residential mortgage loans, commercial loans and home-equity lines of credit. Its primary deposit products are checking, money market, savings and time deposit accounts. In December 2012, the Company added approximately 60 mortgage professionals in five loan production offices throughout Colorado including Boulder, Colorado Springs (two offices), the Denver Tech Center and Durango.

Basis_of_Presentation

Basis of Presentation	9 Months Ended
	Sep. 30, 2013
Organization, Consolidation and Presentation of Financial Statements [Abstract]	'
BASIS OF PRESENTATION	'
	BASIS OF PRESENTATION

	The accompanying unaudited condensed consolidated financial statements contain all adjustments (consisting only of normal recurring adjustments) which, in the opinion of management, are necessary to present fairly the financial position of the Company as of September 30, 2013, and the results of its operations for the three and nine months ended September 30, 2013 and 2012. Cash flows are presented for the nine months ended September 30, 2013 and 2012. Certain reclassifications have been made to the consolidated financial statements and related notes of prior periods to conform to the current presentation. These reclassifications had no impact on stockholders’ equity or net income for the periods. Additionally, certain information and footnote disclosures normally included in financial statements have been condensed or omitted pursuant to rules and regulations of the U.S. Securities and Exchange Commission. The Company believes that the disclosures in the unaudited condensed consolidated financial statements are adequate to make the information presented not misleading. However, these unaudited condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and footnotes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2012.

	Critical Accounting Policies

	The following is a description of the Company’s significant accounting policies used in the preparation of the accompanying consolidated financial statements.

	Provision and Allowance for Loan and Lease Losses: Implicit in the Company’s lending activities is the fact that loan and lease losses will be experienced and that the risk of loss will vary with the type of loans being made and the creditworthiness of the borrowers over the terms of the loans. The allowance for loan and lease losses represents the Company’s recognition of the risks of extending credit and its evaluation of the loan portfolio. The evaluation of the allowance is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance for loan and lease losses is maintained at a level considered adequate to provide for probable loan and lease losses based on management’s assessment of various factors affecting the loan portfolio, including a review of problem loans, business conditions, historical loss experience, evaluation of the quality of the underlying collateral, and holding and disposal costs. In addition, because the Bank has limited history on which to base future loan and lease losses, a comparison of peer group allowance ratios to gross loans is made with the intention of maintaining similar levels until the Bank has sufficient historical data to see trends in our own loss history. The allowance for loan and lease losses is increased by provisions charged to expense and reduced by loans and leases charged-off, net of recoveries. Loan and lease losses are charged against the allowance for loan and lease losses when management believes the balance is uncollectible.

	The Company has established a formal process for determining an adequate allowance for loan and lease losses. The allowance for loan and lease losses calculation has two components. The first component represents the allowance for loan and lease losses for impaired loans; that is, loans where the Company believes collection of the contractual principal and interest payments is not probable. To determine this component of the calculation, impaired loans and leases are individually evaluated by either discounting the expected future cash flows or determining the fair value of the collateral, if repayment is expected solely from collateral. The fair value of the collateral is determined using internal analyses as well as third-party information, such as appraisals. That value, less estimated costs to sell, is compared to the recorded investment in the loan and any shortfall is charged-off. Unsecured loans and loans that are not collateral-dependent are evaluated by calculating the discounted cash flow of the payments expected over the life of the loan using the loan’s effective interest rate and giving consideration to currently existing factors that would impact the amount or timing of the cash flows. The shortfall between the recorded investment in the loan and the discounted cash flows, or the fair value of the collateral less estimated costs to sell, represents the first component of the allowance for loan and lease losses.

	The second component of the allowance for loan and lease losses represents contingent losses – the estimated probable losses inherent within the portfolio due to uncertainties. To determine this component, management calculates a weighted-average loss rate based on actual loss rates over the last two to three years for all banks in Colorado and for similarly-sized commercial banks with two or fewer locations in a metropolitan area. Management then adjusts the loss rate for environmental factors which include, but are not limited to, 1) historical and current trends in downgraded loans; 2) the level of the allowance in relation to total loans; 3) the levels and trends in non-performing and past due loans; and 4) management’s assessment of economic conditions and certain qualitative factors as defined by bank regulatory guidance, including but not limited to, changes in the size, composition and concentrations of the loan portfolio, changes in the legal and regulatory environment, and changes in lending management. The qualitative factors also consider the risk elements within each segment of the loan portfolio. The primary risk comes from the difference between the expected and actual cash flows of the borrower and is influenced by the type of collateral securing the loans. For real estate secured loans, conditions in the real estate markets as well as the general economy influence real estate values and may impact the Company’s ability to recover its investment due to declines in the fair value of the underlying collateral. The risks in non-real estate secured loans include general economic conditions as well as interest rate changes. Classified and criticized loans, which are closely monitored by management, are taken out of their original category for calculating their contingent loss rate and are assigned a loss rate ranging between 2.50% and 15.65% of the loan’s principal balance. The aggregate of above described segments represents the contingent losses in the loan portfolio.

	The recorded allowance for loan and lease losses is the aggregate of the impaired loan and lease component and the contingent loss component. We aggregate our loans into four portfolio segments: Commercial Real Estate Secured; Residential Real Estate Secured; Commercial and Industrial; and Consumer. These segments are based upon the loan’s categorization in the Consolidated Report of Condition and Income, as set forth by banking regulators, (the “Call Report”). Our methodology for estimating the allowance has not changed materially during the current or prior reporting period and is consistent across all portfolio segments and classes of loans.

	At September 30, 2013, the Company had an allowance for loan and lease losses of $1.1 million. We believe that this is adequate to cover probable losses based on currently available information. Future additions to the allowance for loan and lease losses may be required based on management’s continuing evaluation of the inherent risks in the portfolio. Additional provisions for loan and lease losses may be needed if the economy declines, asset quality deteriorates, or the loss experience changes.

	Loans Receivable: Loans receivable that the Company has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at their outstanding unpaid principal balances net of any deferred fees or costs, and reduced by any charge-offs and the allowance for loan and lease losses.

	Credit and loan decisions are made by management and the Board of Directors’ Credit Committee in conformity with established loan policies. The Company’s practice is to charge-off any loan or portion of a loan when the loan is determined to be uncollectible due to the borrower’s failure to meet repayment terms, the borrower’s deteriorated financial condition, the depreciation of the underlying collateral, the loan’s classification as a loss, or for other reasons.

	The Company considers a loan to be impaired when it is probable that the Company will be unable to collect all amounts due (principal and interest) according to the contractual terms of the loan agreement. Measurement of impairment is based on the expected future cash flows of an impaired loan, which are to be discounted at the loan’s effective interest rate, or measured by reference to an observable market value, if one exists, or the fair value of the collateral for a collateral-dependent loan. The Company selects the measurement method on a loan-by-loan basis except that collateral-dependent loans for which foreclosure is probable are measured at the fair value of the collateral. The Company recognizes interest income on impaired loans based on its existing methods of recognizing interest income on nonaccrual loans (see Interest and Fees on Loans, below).

	Interest and Fees on Loans: Interest income is recognized daily in accordance with the terms of each note based on the outstanding principal balance. Loans on which the accrual of interest has been discontinued are designated as nonaccrual loans. The accrual of interest on loans is discontinued when principal or interest is 90 days past due based on contractual terms of the loan or when, in the opinion of management, there is reasonable doubt as to collectability. When loans are placed on nonaccrual status, all interest previously accrued but not collected is reversed against current period interest income. Income on nonaccrual loans is subsequently recognized only to the extent that cash is received and the Bank’s recorded investment in the loan (the customer’s balance less any partial charge-offs) is deemed collectible. Interest accruals are resumed on such loans only when they are brought current and when, in the judgment of management, the loans are estimated to be fully collectible as to all interest and the Bank’s recorded investment.

	Generally, for all classes of loans, loans are considered past due when contractual payments are delinquent by 30 days or more.

	Loan origination fees and certain direct origination costs are capitalized and recognized as an adjustment of the yield of the related loan using the effective interest method and without anticipating prepayments.

	Loans Held for Sale / Gains and Losses on Sales of Mortgage Loans: Residential mortgage loans originated and held for sale are marked to market with gains and losses recognized in noninterest income. The market value is based on committed secondary market prices.

	Loan Commitments and Related Financial Instruments: In the ordinary course of business, the Company has entered into off-balance-sheet financial instruments consisting of commitments to extend credit, commercial letters of credit, and standby letters of credit as described in Note 12. Such financial instruments are recorded in the financial statements when they are funded or related fees are incurred or received.

	Interest Rate Lock Commitments and Forward Sales Commitments: Interest rate lock commitments are commitments to fund residential mortgage loans at specified interest rates within a specified time, generally up to 60 days from the time of the rate lock. An interest rate lock commitment related to a loan that will be held for sale is a derivative instrument under accounting principles generally accepted in the United States (U.S. GAAP), and is recognized at fair value on the consolidated balance sheets in other assets and other liabilities with changes in its value recorded in gain on loans sold within noninterest income on the consolidated statements of operations and comprehensive (loss) income. To eliminate the exposure of changes in interest rates impacting the fair value of interest rate lock commitments, the Company utilizes “best efforts” forward loan sale commitments. These contracts are entered into at the same time as the interest rate lock commitments, and lock in the sale and price of the loan with the Company's secondary market investors. Since these are “best efforts” contracts, the Company does not incur a penalty in the event the committed loans are not delivered. These forward loan sales commitments are not considered derivative instruments under U.S. GAAP, but in accordance with U.S. GAAP, the Company has elected to mark these instruments to market. As such, both the interest rate lock commitments and forward sales commitments are accounted for at fair value. See additional discussion in Note 6, Loans Held for Sale and Interest Rate Lock Commitments.

	Share-Based Compensation: The Company grants stock options as incentive compensation to employees and directors. The cost of employee/director services received in exchange for an award of equity instruments is based on the grant-date fair value of the award, which is determined using a Black-Scholes-Merton model. This cost, net of estimated forfeitures, is expensed to employee compensation and benefits over the period in which the recipient is required to provide services in exchange for the award, generally the vesting period.

	Estimation of Fair Value: The estimation of fair value is significant to a number of the Company’s assets, including available-for-sale investment securities, interest rate lock commitments and forward sales commitments. Additionally, U.S. GAAP requires disclosure of the fair value of financial instruments as a part of the notes to the consolidated financial statements. Fair values are volatile and may be influenced by a number of factors, including market interest rates, prepayment speeds, discount rates and the shape of the yield curve. Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the most advantageous market for the asset or liability in an orderly transaction between market participants. The fair value hierarchy requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. Current accounting standards describe three levels of inputs that may be used to measure fair values:



		Level 1 –	inputs are unadjusted quoted prices in active markets for identical assets or liabilities that the Company has the ability to access at the measurement date.

		Level 2 –	inputs are other than quoted prices included in Level 1 that are observable for the asset or liability either directly or indirectly, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or model-based valuation techniques for which all significant assumptions are observable in the market.

		Level 3 –	valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques.

	Impairment of Investment Securities: Investment securities are evaluated for impairment on at least a quarterly basis and more frequently when economic or market conditions warrant such an evaluation to determine whether a decline in their value below amortized cost is other-than-temporary. Securities are evaluated for impairment utilizing criteria such as the magnitude and duration of the decline, current market conditions, payment history, the credit worthiness of the obligor, the intent of the Company to retain the security or whether it is more likely than not that the Company will be required to sell the security before recovery of the value, as well as other qualitative factors. If a decline in value below amortized cost is determined to be other-than-temporary, which does not necessarily indicate that the decline is permanent, but indicates that the prospects for a near-term recovery of value is not favorable, the security is reviewed in more detail in order to determine the portion of the impairment that relates to credit (resulting in a charge to earnings) versus the portion of the impairment that is noncredit related (resulting in a charge to accumulated other comprehensive income). If it is more likely than not that sale of the security will be required prior to recovery of its amortized cost, the entire impairment is recognized in earnings equal to the difference between the amortized cost basis and the fair value. A credit loss is determined by comparing the amortized cost basis to the present value of cash flows expected to be collected, computed using the original yield as the discount rate.

	Income (Loss) per Common Share: Basic earnings (loss) per common share, (EPS), is based on the weighted-average number of common shares outstanding during the period. Diluted earnings (loss) per share is similar to basic EPS except that the weighted-average number of common shares outstanding is increased by the number of additional common shares that would have been outstanding if the dilutive potential common shares had been issued at the beginning of the period. Given the loss for the three and nine months ended September 30, 2013, diluted EPS did not differ from basic EPS as all dilutive-potential shares were anti-dilutive. Diluted EPS did not differ from basic EPS for the three and nine months ended September 30, 2012, given the small amount of dilutive-potential stock options. For the three months ended September 30, 2013 and 2012, respectively, approximately 129,000 and 311,000 anti-dilutive options were not included in the calculation of diluted EPS. For the nine months ended September 30, 2013 and 2012, respectively, 70,000 and 253,000 anti-dilutive options were not included in the calculation of diluted EPS. Amounts used in the determination of basic and diluted earnings per share for the three and nine months ended September 30, 2013 and 2012, are shown below:



	($ in thousands, except share data)		For the Three Months							For the Nine Months
			Ended September 30,							Ended September 30,
			2013				2012			2013				2012
	Basic earnings (loss) per share computation
	Net (loss) earnings to common stockholders		$	(638	)		$	74		$	(18	)		$	168

	Weighted average shares outstanding - basic		2,568,708				2,553,671			2,566,460				2,553,671


Basic (loss) earnings per share		$	(0.25	)		$	0.03		$	(0.01	)		$	0.07

Diluted earnings (loss) per share computation
Net (loss) earnings to common stockholders		$	(638	)		$	74		$	(18	)		$	168

Weighted average shares outstanding - basic		2,568,708				2,553,671			2,566,460				2,553,671

Shares assumed issued:
Stock options		—				11,434			—				5,349

Restricted stock		—				—			—				—

Weighted average shares outstanding - diluted		2,568,708				2,565,105			2,566,460				2,559,020


Diluted (loss) earnings per share		$	(0.25	)		$	0.03		$	(0.01	)		$	0.07



Business Segments: The Company uses the "management approach" for reporting information about segments and has determined that as of September 30, 2013, its business is comprised of two operating segments: community banking and residential mortgage banking.

Recent Accounting Pronouncements

In February 2013, the Financial Accounting Standards Board, (FASB), issued an accounting standards update to finalize the reporting for reclassifications of amounts out of accumulated other comprehensive income (AOCI). Items reclassified from AOCI to net income, in their entirety, must have the effect of the reclassification disclosed according to the respective statement of operations line item. This information must be provided either on the face of the financial statements by statement of operations line item, or in a footnote. This accounting standards update became effective for interim and annual periods beginning on or after December 15, 2012. Currently, the impact of this update on the Company is minimal as the only changes to AOCI are changes in the market values related to available-for-sale securities.

In July 2013, the FASB issued an accounting standards update on the presentation of unrecognized tax benefits. This update requires separate presentation of tax benefits related to net operating loss carryforwards and credit carryforwards apart from other deferred tax assets. This accounting standards update will become effective for us in first quarter 2014. Currently, there is no impact on the Company due to this update as our deferred tax assets have a full valuation allowance.

During the first nine months of 2013, the FASB issued other accounting standards updates which may impact banks or other entities but do not, and are not expected to, have a material impact on our financial position, results of operations or cash flows.

Investments

Investments	9 Months Ended
	Sep. 30, 2013
Investments, Debt and Equity Securities [Abstract]	'
INVESTMENTS	'
	INVESTMENTS

	The amortized costs and estimated fair values of investment securities as of September 30, 2013 and December 31, 2012 are as follows:


	($ in thousands)	September 30, 2013
		Amortized				Gross				Gross				Estimated
		Cost				Unrealized				Unrealized				Fair Value
						Gains				Losses
	Securities available-for-sale:

	Corporate	$	14,337			$	142			$	(367	)		$	14,112

	State and municipal	19,207				85				(769		)		18,523

	Residential agency mortgage-backed securities (MBS) and collateralized mortgage obligations (CMOs)	44,989				371				(347		)		45,013

	Total securities available-for-sale	$	78,533			$	598			$	(1,483	)		$	77,648




	($ in thousands)	December 31, 2012
		Amortized				Gross				Gross				Estimated
		Cost				Unrealized				Unrealized				Fair Value
						Gains				Losses
	Securities available-for-sale:

	Corporate	$	14,148			$	457			$	(155	)		$	14,450

	State and municipal	21,752				412				(47		)		22,117

	Residential agency MBS/CMOs	47,742				570				(169		)		48,143

	Total securities available-for-sale	$	83,642			$	1,439			$	(371	)		$	84,710


	The amortized cost and estimated fair value of investment securities by contractual maturity at September 30, 2013 and December 31, 2012 are shown below. The timing of principal payments received differs from the contractual maturity because borrowers may be required to make contractual principal payments and often have the right to prepay obligations with or without prepayment penalties. As a result, the timing with which principal payments are received on mortgage-backed securities (“MBS”) is not represented in the tables below. For instance, we received $12.5 million from the maturity / prepayment of securities during the nine months ended September 30, 2013 (see our Consolidated Statements of Cash Flows ) versus $1.0 million contractually maturing within one year as of December 31, 2012, as set forth in the table below.



	($ in thousands)	September 30, 2013								December 31, 2012
		Amortized				Estimated Fair				Amortized				Estimated Fair
		Cost				Value				Cost				Value
	Securities available-for-sale:
	Due within one year	$	—			$	—			$	1,003			$	1,023

	Due after one year through five years	7,048				7,171				6,180				6,455

	Due after five years through ten years	25,578				24,691				22,869				23,242

	Due after ten years	45,907				45,786				53,590				53,990

	Total securities available-for-sale	$	78,533			$	77,648			$	83,642			$	84,710


	The following tables show the estimated fair value and gross unrealized losses, aggregated by investment category and length of time the individual securities have been in a continuous loss position as of September 30, 2013 and December 31, 2012.



		September 30, 2013
	($ in thousands)	Less than 12 months											12 months or more										Total
	Description of securities:	Estimated Fair Value				Unrealized				# of			Estimated Fair Value				Unrealized			# of			Estimated Fair Value		Unrealized			# of
Losses						Securities		Losses			Securities						Losses			Securities
Corporate			$	6,878			$	(334		)			13			$	2,467		$	(33	)		4	$	9,345		$	(367	)	17

State and municipal	14,985				(733		)		32			468				(36		)	1			15,453		(769		)	33

Residential agency MBS/CMOs	16,135				(258		)		19			7,285				(89		)	10			23,420		(347		)	29

Total temporarily-impaired	$	37,998			$	(1,325	)		64			$	10,220			$	(158	)	15			$	48,218	$	(1,483	)	79




	December 31, 2012
($ in thousands)	Less than 12 months											12 months or more										Total
Description of securities:	Estimated Fair Value				Unrealized				# of			Estimated Fair Value				Unrealized			# of			Estimated Fair Value		Unrealized			# of
					Losses				Securities							Losses			Securities					Losses			Securities
Corporate	$	1,436			$	(8	)		2			$	3,353			$	(147	)	6			$	4,789	$	(155	)	8

State and municipal	4,512				(47		)		9			—				—			—			4,512		(47		)	9

Residential agency MBS/CMOs	17,267				(164		)		16			1,134				(5		)	2			18,401		(169		)	18

Total temporarily-impaired	$	23,215			$	(219	)		27			$	4,487			$	(152	)	8			$	27,702	$	(371	)	35


Management evaluates investment securities for other-than-temporary impairment taking into consideration the extent and length of time the fair value has been less than cost, the financial condition of the issuer, whether the Company has the intent to retain the security and whether it is more-likely-than-not that the Company will be required to sell the security before recovery of the value, as well as other qualitative factors. As of September 30, 2013, no declines were deemed to be other than temporary. The four corporate securities that were in a continuous loss position for 12 months or longer at September 30, 2013 fluctuated in value primarily as a result of changes in market interest rates and the widening of spreads on financial services/banking securities. However, the amount of unrealized loss on these corporate bonds has declined in 2013.

The one municipal bond that was in a continuous loss position for 12 months or longer at September 30, 2013 was due to changes in interest rates, as the bond was purchased when the ten year treasury rate was near its historical low. The bond continues to maintain high credit ratings.

Significant prepayment speeds is the primary driver of the loss on the ten mortgage-backed securities in a continuous loss position for 12 months or longer at September 30, 2013. The Company has determined there is no credit impairment on these bonds since they carry the implicit guarantee of the U.S. government.

The Company has the intent to hold the securities in an unrealized loss position as of September 30, 2013 and does not anticipate that these securities will be required to be sold before recovery of value, which may be upon maturity. Accordingly, the securities detailed in the table above are not other than temporarily impaired.

Similarly, management’s evaluation of the securities in an unrealized loss position at December 31, 2012, determined these securities were not other than temporarily impaired.

The Company recorded a net unrealized loss in the investment portfolio of $885,000 at September 30, 2013, a $2.0 million decrease from the $1.1 million net unrealized gain at December 31, 2012. The decline in the value of the portfolio since year-end was due to the increase in longer-term interest rates in the second quarter of 2013.

Sales of available-for-sale securities were as follows:



($ in thousands)	Three Months Ended September 30,								Nine Months Ended September 30,
	2013				2012				2013				2012
Proceeds	$	2,325			$	12,384			$	15,173			$	31,828

Gross gains	$	49			$	300			$	301			$	580

Gross losses	$	—			$	(11	)		$	(7	)		$	(11	)


Realized gains and losses on sales are computed on a specific identification basis based on amortized cost on the date of sale.

Securities with carrying values of $29.2 million at September 30, 2013 and $25.5 million at December 31, 2012, were pledged as collateral to secure public deposits, borrowings from the FHLB, repurchase agreements and for other purposes as required or permitted by law.

Loans

Loans	9 Months Ended
	Sep. 30, 2013
Loans and Leases Receivable Disclosure [Abstract]	'
LOANS	'
	LOANS

	The following table sets forth the composition of our loan portfolio, excluding loans held for sale, according to each loan’s purpose, which may differ from the categorization of the loan in subsequent tables which categorize the loan according to its underlying collateral:



	($ in thousands)	September 30,			December 31,
		2013			2012
	Commercial real estate (“CRE”)	$	45,462		$	38,230

	Commercial and industrial	9,870			9,383

	Residential real estate	14,100			10,608

	Construction and land development	1,012			791

	Consumer	2,151			620

	GROSS LOANS	72,595			59,632

	Net deferred loan expenses / (fees)	47			175

	Allowance for loan and lease losses	(1,101		)	(1,063		)
	LOANS, NET	$	71,541		$	58,744


	During the first nine months of 2013, the Bank purchased four loans with principal balances totaling approximately $413,000. During the first nine months of 2012, the Bank purchased fourteen loans with principal balances of approximately $4.5 million. During the first nine months of 2013, the Bank sold the guaranteed portion of three SBA 7(a) notes totaling approximately $1.5 million resulting in gains of $145,000, of which $112,000 was recognized in income immediately with the balance to be recognized as interest income over the remaining life of the loans. One loan was sold during the first nine months of 2012 resulting in a gain of approximately $25,000.

	During the third quarter of 2013, the Bank purchased one loan with a principal balance totaling approximately $188,000. During the third quarter of 2012, the Bank purchased four loans with aggregate principal balances of approximately $2.2 million. During the third quarter of 2013, the Bank sold the guaranteed portion of one SBA 7(a) note totaling approximately $22,000 resulting in a gain of $1,000 that was recognized in income immediately. No loans were sold during the third quarter of 2012.

	In the ordinary course of business, and only if consistent with permissible exceptions to Section 402 of the Sarbanes-Oxley Act of 2002, the Bank may make loans to directors, executive officers, principal stockholders (holders of more than five percent of the outstanding common shares) and the businesses with which they are associated. In the Company’s opinion, all loans and loan commitments to such parties are made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other persons. There were approximately $147,000 and $163,000 in loans receivable from related parties at September 30, 2013 and December 31, 2012, respectively.

	The Company’s loan portfolio generally consists of loans to borrowers within Colorado. Although the Company seeks to avoid concentrations of loans to a single industry or based upon a single class of collateral, the Company’s loan portfolio consists primarily of loans secured by real estate located in Colorado, making the value of the portfolio more susceptible to declines in real estate values and other changes in economic conditions in Colorado. No single borrower can be approved for a loan over the Bank’s current legal lending limit of approximately $2.7 million. This regulatory requirement helps to ensure the Bank’s exposure to one individual customer is limited.

Allowance_for_Loan_and_Lease_L

Allowance for Loan and Lease Losses	9 Months Ended
	Sep. 30, 2013
Loans and Leases Receivable, Allowance [Abstract]	'
ALLOWANCE FOR LOAN AND LEASE LOSSES	'
	ALLOWANCE FOR LOAN AND LEASE LOSSES

	Activity in the allowance for loan and lease losses for the three and nine months ended September 30, 2013 and 2012 is summarized as follows:



	($ in thousands)	Three Months Ended								Nine Months Ended
		September 30,								September 30,
		2013				2012				2013				2012
	Balance, beginning of period	$	1,088			$	1,009			$	1,063			$	1,067

	Charge-offs	—				—				(7		)		(88		)

	Recoveries	13				24				45				54

	Provision for loan and lease losses	—				—				—				—

	Balance, end of period	$	1,101			$	1,033			$	1,101			$	1,033


	The following allowance for loan and lease loss disclosures are broken out by portfolio segment. Portfolio segment is defined, under current U.S. GAAP, as the level of aggregation used by the Company to calculate its allowance for loan and lease losses. Our portfolio segments are based on how loans are categorized on the Call Report, which is primarily based on the collateral securing the loan. We have four portfolio segments as follows:

	Commercial Real Estate (CRE) Secured – loans secured by nonfarm, nonresidential properties
	Residential Real Estate Secured – loans secured by 1-4 family residential properties or land
	Commercial and Industrial – loans to businesses not secured by real estate, and
	Consumer – loans to individuals not secured by real estate.

	The portfolio segment categorization of loans differs from the categorization shown in Note 4 – Loans. Portfolio segment categorization is based on the Call Report and the loan’s underlying collateral while the loan categorization in Note 4 – Loans is based on the loan’s purpose as determined during the underwriting process.

	The tables below provide a rollforward, by portfolio segment, of the allowance for loan and lease losses for the three and nine months ended September 30, 2013 and 2012, respectively.



	Rollforward of Allowance for Loan and Lease Losses by Portfolio Segment
	Three Months Ended September 30, 2013
	($ in thousands)	Commercial Real Estate Secured				Residential Real Estate Secured				Commercial and Industrial				Consumer				Total
	Balance at June 30, 2013	$	674			$	308			$	105			$	1			$	1,088

	Charge-offs	—				—				—				—				—

	Recoveries	—				12				1				—				13

	Provision for loan and lease losses	(19		)		(18		)		38				(1		)		—

	Balance at September 30, 2013	$	655			$	302			$	144			$	—			$	1,101





	Rollforward of Allowance for Loan and Lease Losses by Portfolio Segment
	Nine Months Ended September 30, 2013
	($ in thousands)	Commercial Real Estate Secured				Residential Real Estate Secured				Commercial and Industrial				Consumer				Total
	Balance at December 31, 2012	$	784			$	222			$	57			$	—			$	1,063

	Charge-offs	(7		)		—				—				—				(7		)

	Recoveries	—				40				5				—				45

	Provision for loan and lease losses	(122		)		40				82				—				—

	Balance at September 30, 2013	$	655			$	302			$	144			$	—			$	1,101





Rollforward of Allowance for Loan and Lease Losses by Portfolio Segment
Three Months Ended September 30, 2012
($ in thousands)	Commercial Real Estate Secured				Residential Real Estate Secured				Commercial and Industrial				Consumer				Total
Balance at June 30, 2012	$	665			$	247			$	96			$	1			$	1,009

Charge-offs	—				—				—				—				—

Recoveries	—				14				10				—				24

Provision for loan and lease losses	32				(27		)		(5		)		—				—

Balance at September 30, 2012	$	697			$	234			$	101			$	1			$	1,033





Rollforward of Allowance for Loan and Lease Losses by Portfolio Segment
Nine Months Ended September 30, 2012
($ in thousands)	Commercial Real Estate Secured				Residential Real Estate Secured				Commercial and Industrial				Consumer				Total
Balance at December 31, 2011	$	726			$	244			$	97			$	—			$	1,067

Charge-offs	—				—				(85		)		(3		)		(88		)

Recoveries	—				44				10				—				54

Provision for loan and lease losses	(29		)		(54		)		79				4				—

Balance at September 30, 2012	$	697			$	234			$	101			$	1			$	1,033



The following tables present the ending balance in loans and allowance for loan and lease losses, broken down by portfolio segment as of September 30, 2013 and December 31, 2012. The tables also identify the recorded investment in loans and the related allowance that correspond to individual versus collective impairment evaluation as derived from the Company’s methodology of estimating the allowance for loan and lease losses (see additional discussion about our allowance methodology under Note 2: Critical Accounting Policies, Provision and Allowance for Loan and Lease Losses).



Ending Balances in Loans and Allowance for Loan and Lease Losses by Portfolio Segment
September 30, 2013
($ in thousands)	Commercial Real Estate Secured				Residential Real Estate Secured				Commercial and Industrial				Consumer				Total
Loans
Individually evaluated for impairment	$	—			$	—			$	—			$	—			$	—

Collectively evaluated for impairment	38,708				21,642				12,190				55				72,595

Total	$	38,708			$	21,642			$	12,190			$	55			$	72,595

Allowance for loan losses

Individually evaluated for impairment	$	—			$	—			$	—			$	—			$	—

Collectively evaluated for impairment	655				302				144				—				1,101

Total	$	655			$	302			$	144			$	—			$	1,101




Ending Balances in Loans and Allowance for Loan and Lease Losses by Portfolio Segment
December 31, 2012
($ in thousands)	Commercial Real Estate Secured				Residential Real Estate Secured				Commercial and Industrial				Consumer				Total
Loans
Individually evaluated for impairment	$	—			$	—			$	13			$	—			$	13

Collectively evaluated for impairment	34,634				15,873				9,062				50				59,619

Total	$	34,634			$	15,873			$	9,075			$	50			$	59,632

Allowance for loan losses

Individually evaluated for impairment	$	—			$	—			$	—			$	—			$	—

Collectively evaluated for impairment	784				222				57				—				1,063

Total	$	784			$	222			$	57			$	—			$	1,063


The remaining tables in the allowance for loan and lease losses footnote provide detail about loans according to their class, rather than their segment, as reflected above. The class level provides more detail than the portfolio segment level. The following tables contain reconciliation information between the portfolio segment levels and class levels:



Reconciliation between Portfolio Segment and Class
September 30, 2013 (Principal Balance)
($ in thousands)	Portfolio Segment
Class	Commercial Real Estate Secured				Residential Real Estate Secured				Commercial and Industrial				Consumer				Total
CRE – owner occupied	$	21,634			$	—			$	—			$	—			$	21,634

CRE – non-owner occupied	17,074				—				—				—				17,074

Commercial and industrial	—				—				9,501				—				9,501

Residential real estate	—				20,630				—				—				20,630

Construction and land development	—				1,012				—				—				1,012

Government guaranteed	—				—				2,689				—				2,689

Consumer	—				—				—				55				55

Total	$	38,708			$	21,642			$	12,190			$	55			$	72,595




Reconciliation between Portfolio Segment and Class
December 31, 2012 (Principal Balance)
($ in thousands)	Portfolio Segment
Class	Commercial Real Estate Secured				Residential Real Estate Secured				Commercial and Industrial				Consumer				Total
CRE – owner occupied	$	13,544			$	—			$	—			$	—			$	13,544

CRE – non-owner occupied	20,462				—				—				—				20,462

Commercial and industrial	—				—				6,156				—				6,156

Residential real estate	—				15,515				—				—				15,515

Construction and land development	628				358				—				—				986

Government guaranteed	—				—				2,919				—				2,919

Consumer	—				—				—				50				50

Total	$	34,634			$	15,873			$	9,075			$	50			$	59,632


Impaired Loans

There were no impaired loans as of September 30, 2013 compared to one impaired loan totaling $13,000 as of December 31, 2012. The following table provides detail of impaired loans broken out according to class as of December 31, 2012. The recorded investment represents the customer balance less any partial charge-offs and excludes any accrued interest receivable since the majority of the loans are on nonaccrual status and therefore do not have interest accruing. The unpaid principal balance represents the unpaid principal prior to any partial charge-off. There were no impaired loans with a related allowance as of September 30, 2013 or December 31, 2012.



	Impaired Loans by Class as of December 31, 2012
($ in thousands)	Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment YTD				Interest Income Recognized YTD
Impaired loans with no related allowance
CRE – owner occupied	$	—			$	—			$	—			$	—			$	—

CRE – non-owner occupied	—				—				—				—				—

Commercial and industrial	13				13				—				58				2

Residential real estate	—				—				—				—				—

Construction and land development	—				—				—				—				—

Government guaranteed	—				—				—				—				—

Consumer	—				—				—				—				—

Total	$	13			$	13			$	—			$	58			$	2


The impaired commercial and industrial loan did not have a related allowance because the loan is well-secured. Additionally, this loan was fully paid off in August 2013.

Troubled debt restructurings (TDRs) are included in impaired loans above. No loans were modified as TDRs during the three and nine months ended September 30, 2013 or 2012. Additionally, no loans were restructured as TDRs during the last 12 months.

Age Analysis of Loans

The following tables summarize, by class, our past due and nonaccrual loans as of the dates indicated.



	Age Analysis of Loans by Class as of September 30, 2013
($ in thousands)	30-59 Days Past Due				60-89 Days Past Due				Past Due 90 Days or More and Still Accruing				Nonaccrual				Total Past Due and Nonaccrual
CRE – owner occupied	$	250			$	—			$	—			$	—			$	250

CRE – non-owner occupied	—				—				—				—				—

Commercial and industrial	—				—				—				—				—

Residential real estate	—				550				—				—				550

Construction and land development	—				—				—				—				—

Government guaranteed	—				—				—				—				—

Consumer	—				—				—				—				—

Total	$	250			$	550			$	—			$	—			$	800


As of October 31, 2013, the past due loans listed above have been brought current.


	Age Analysis of Loans by Class as of December 31, 2012
($ in thousands)	30-59 Days Past Due				60-89 Days Past Due				Past Due 90 Days or More and Still Accruing				Nonaccrual				Total Past Due and Nonaccrual
CRE – owner occupied	$	—			$	—			$	—			$	—			$	—

CRE – non-owner occupied	—				—				—				—				—

Commercial and industrial	—				—				—				13				13

Residential real estate	135				—				—				—				135

Construction and land development	—				—				—				—				—

Government guaranteed	—				—				—				—				—

Consumer	—				12				—				—				12

Total	$	135			$	12			$	—			$	13			$	160


Credit Quality Information

The Company uses the following definitions for risk ratings, which are consistent with the definitions used in supervisory guidance and are the same for all classes of loans:



Special Mention:	Loans in this category have potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment at some future date.

Substandard:	Loans in this category are inadequately protected by the current sound worth and paying capacity of the borrower or of the collateral pledged, if any. These loans have well-defined weaknesses that jeopardize the liquidation of the debt and have the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.

Doubtful:	Loans in this category have all the weaknesses inherent in those classified as substandard, above, with the added characteristic that the weaknesses make the collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable.

Loss:	Loans in this category are deemed not collectible and are charged-off.

Loans not meeting any of the definitions above are considered to be pass rated loans.

As of September 30, 2013, and based on the most recent analysis performed during the month of September 2013, the recorded investment in each risk category of loans by class of loan is as follows:



($ in thousands)	Credit Quality of Loans by Class as of September 30, 2013
	Pass				Special Mention				Substandard				Doubtful				Total
CRE – owner occupied	$	19,182			$	182			$	2,270			$	—			$	21,634

CRE – non-owner occupied	16,233				841				—				—				17,074

Commercial and industrial	8,981				350				170				—				9,501

Residential real estate	19,832				—				798				—				20,630

Construction and land development	1,012				—				—				—				1,012

Government guaranteed	2,689				—				—				—				2,689

Consumer	55				—				—				—				55

Total	$	67,984			$	1,373			$	3,238			$	—			$	72,595


As of December 31, 2012, and based on the most recent analysis performed during the month of December 2012, the recorded investment in each risk category of loans by class of loan is as follows:



($ in thousands)	Credit Quality of Loans by Class as of December 31, 2012
	Pass				Special Mention				Substandard				Doubtful				Total
CRE – owner occupied	$	10,628			$	1,008			$	1,908			$	—			$	13,544

CRE – non-owner occupied	18,343				1,090				1,029				—				20,462

Commercial and industrial	5,973				170				13				—				6,156

Residential real estate	14,567				135				813				—				15,515

Construction and land development	195				—				791				—				986

Government guaranteed	2,919				—				—				—				2,919

Consumer	38				12				—				—				50

Total	$	52,663			$	2,415			$	4,554			$	—			$	59,632

Loans_Held_for_Sale_and_Intere

Loans Held for Sale and Interest Rate Lock Commitments	9 Months Ended
	Sep. 30, 2013
Loans Held For Sale And Interest Rate Lock Commitments [Abstract]	'
LOANS HELD FOR SALE AND INTEREST RATE LOCK COMMITMENTS	'
	LOANS HELD FOR SALE AND INTEREST RATE LOCK COMMITMENTS

	In December 2012, the Bank began originating traditional residential mortgage loans. These loans are generally conventional, conforming loans for the purchase or refinance of one-to-four family properties. These loans are recorded as loans held for sale on the Company's consolidated balance sheets as they will be sold to purchasers on the secondary market which significantly reduces our credit risk. As of September 30, 2013, the Bank had $9.7 million in loans held for sale compared to $180,000 as of December 31, 2012, the increase due to the mortgage division becoming fully operational during the first quarter of 2013.

	The Bank has entered into interest rate lock commitments to originate residential mortgage loans held for sale that are considered derivative instruments. The Bank enters into an interest rate lock commitment with the customer and simultaneously enters into a forward sales commitment with the secondary market investor which locks the pricing on the subsequent sale of the loan thereby mitigating the Bank's exposure to interest rate risk.

	The fair value of these commitments is recorded on the consolidated balance sheets with the changes in fair value recorded in the consolidated statements of operations as a component of gain on loans sold. These derivative contracts are designated as free standing derivative contracts and are not designated against specific assets and liabilities on the balance sheet or forecasted transactions and therefore do not qualify for hedge accounting treatment.

	The table below identifies the balance sheet category and fair values of the Bank's derivative instruments not designated as hedging instruments at September 30, 2013. Management has concluded that no material derivative instruments existed as of December 31, 2012.


	($ in thousands)	Notional Amount		Fair Value		Balance Sheet Category
	September 30, 2013
	Interest rate lock commitments (mortgage)	$	16,420	$	136	Other assets

Bankowned_Life_Insurance

Bank-owned Life Insurance	9 Months Ended
Bank-owned Life Insurance	Sep. 30, 2013
Bank-Owned Life Insurance	'
BANK-OWNED LIFE INSURANCE	'
	BANK-OWNED LIFE INSURANCE

	Bank-owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value. Increases in the cash surrender value are recognized as other noninterest income. The Company initially invested $2.0 million during the first quarter of 2012 for policies covering the lives of certain key employees. During 2013, the Company invested an additional $2.0 million, the majority of which was for policies on certain key employees of our new residential mortgage division.

Deposits

Deposits	9 Months Ended
	Sep. 30, 2013
Deposits [Abstract]	'
DEPOSITS	'
	DEPOSITS

	Deposits are summarized as follows:



	($ in thousands)	September 30, 2013				December 31, 2012
		Amount		% of Total		Amount		% of Total
	Noninterest-bearing demand	$	4,742	4	%	$	3,387	3	%

	Interest-bearing demand	9,562		7	%	8,218		7	%

	Money market accounts	14,856		12	%	10,511		8	%

	Savings accounts	37,573		29	%	44,847		36	%

	Time deposits, less than $100,000	4,501		4	%	4,559		3	%

	Time deposits, $100,000 or more	56,138		44	%	53,210		43	%

	Total deposits	$	127,372	100	%	$	124,732	100	%


	In the ordinary course of business, certain officers, directors, stockholders, and employees of the Bank have deposits with the Bank. In the Bank’s opinion, all deposit relationships with such parties are made on substantially the same terms including interest rates and maturities, as those prevailing at the time for comparable transactions with other persons. The balances of related party deposits were approximately $3.1 million at both September 30, 2013 and December 31, 2012.

	On June 7, 2013, the Bank completed its acquisition of customer deposits, excluding certificates of deposit, and a nominal amount of overdraft lines of credit balances, totaling approximately $6.0 million, associated with deposit accounts from the Lakewood branch of Liberty Savings Bank, FSB. The Bank paid a deposit premium of 5.85% based upon the average daily total deposits during the 30 calendar days immediately preceding the closing of the transaction. The deposit premium, as well as other transaction costs incurred, were capitalized as a core deposit intangible and are being amortized on a straight-line basis over a period of seven years. The $445,000 core deposit intangible is included in Other Assets on the Company's Consolidated Balance Sheets.

FHLB_Advances

FHLB Advances	9 Months Ended
FHLB Advances	Sep. 30, 2013
Federal Home Loan Banks [Abstract]	'
FEDERAL HOME LOAN BANK ADVANCES, DISCLOSURE	'
	FHLB ADVANCES

	The Bank is a member of the Federal Home Loan Bank of Topeka (FHLB) and, as a regular part of its business, obtains advances from this FHLB. Overnight advances bear interest at a variable rate while all other advances bear interest at a fixed rate. All advances are collateralized by certain securities pledged by the Bank and some of the Bank's qualifying loans. The Bank's authorized borrowing line with the FHLB is capped at 40% of total assets, subject to the availability of sufficient collateral to pledge against such borrowings. As of September 30, 2013, the Bank had $7.5 million in fixed-rate borrowings from the FHLB with varying maturity dates between April 2014 and November 2017 and a weighted-average effective interest rate of 1.72%. As of December 31, 2012, the Bank had $8.5 million in fixed-rate borrowings from the FHLB with varying maturity dates between April 2013 and November 2017 and a weighted-average effective interest rate of 1.57%. Additionally, the Bank had $17.9 million in variable-rate, overnight borrowings at 0.18% as of September 30, 2013. The Bank is primarily using overnight borrowings at the FHLB to fund residential mortgage loans which are held for sale. The Bank had no overnight borrowings from the FHLB as of December 31, 2012.

StockBased_Compensation

Stock-Based Compensation	9 Months Ended
	Sep. 30, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]	'
STOCK-BASED COMPENSATION	'
	STOCK-BASED COMPENSATION

	On September 20, 2012, the Board of Directors adopted the Company’s 2012 Long-Term Incentive Plan, (the “2012 Plan”). Under the terms of the 2012 Plan, the Company may grant incentive stock options, nonqualified stock options, restricted stock awards, and/or stock appreciation rights to eligible persons, including officers and directors of the Company. The 2012 Plan does not terminate or amend the Company’s 2007 Stock Incentive Plan (the “2007 Plan”). The 2012 Plan reserves 250,000 shares of common stock of the Company for issuance. At September 30, 2013, approximately 69,000 shares were available for future grants. The 2012 Plan provides for accelerated vesting if there is a change of control, as defined in the 2012 Plan.

	Under the terms of the Company’s 2007 Plan, employees may be granted both nonqualified and incentive stock options and directors and other consultants, who are not also officers or employees, may only be granted nonqualified stock options. The Board reserved 510,734 shares of common stock for issuance under the 2007 Plan. At September 30, 2013, approximately 22,000 shares were available for future grants. The 2007 Plan provides for options to purchase shares of common stock at a price not less than 100% of the fair market value of the stock on the date of grant. Stock options expire no later than ten years from the date of the grant and generally vest over four years. The 2007 Plan provides for accelerated vesting if there is a change of control, as defined in the 2007 Plan.

	The Company recognized stock-based compensation costs of approximately $38,000 during the three months ended September 30, 2013, which represents approximately 17,700 of stock options earned. The Company recognized stock-based compensation costs of approximately $19,000 during the three months ended September 30, 2012, which represented approximately 13,000 stock options earned. The Company recognized stock-based compensation costs of approximately $77,000 for the nine months ended September 30, 2013 compared to $38,000 for the nine months ended September 30, 2012. No tax benefit related to stock-based compensation will be recognized until the Company demonstrates an ability to maintain profitability.

	The fair value of each option grant is estimated on the date of grant using the Black-Scholes-Merton option pricing model. As of September 30, 2013, there was approximately $228,000 of total unrecognized compensation cost related to the outstanding stock options that will be recognized over a weighted-average period of 2.3 years.

	The following is a summary of the Company’s outstanding stock options and related activity for the nine months ended September 30, 2013:



		Options		Weighted-Average Grant Date Fair Value		Weighted-Average Exercise Price
	Outstanding at December 31, 2012	523,500		$	1.65	$	6.72

	Granted	164,750		1.42		5.84

	Exercised	(14,719	)	0.67		3.45

	Forfeited	(30,854	)	1.02		4.64

	Expired	(11,979	)	2.25		8.5

	Outstanding at September 30, 2013	630,698		$	1.64	$	6.63


	The following is a summary of the Company’s outstanding stock options and related activity for the nine months ended September 30, 2012:


		Options		Weighted-Average Grant Date Fair Value		Weighted-Average Exercise Price
	Outstanding at December 31, 2011	400,312		$	1.93	$	7.61

	Granted	93,250		0.63		3.38

	Exercised	—		—		—

	Forfeited	(4,948	)	0.6		3.15

	Expired	(7,344	)	1.79		7.95

	Outstanding at September 30, 2012	481,270		$	1.69	$	6.84


	Restricted Stock

	During 2012, the Company granted 50,000 shares of restricted stock as inducement awards to officers of the Company's residential mortgage division. The awards originally cliff-vested on November 30, 2014 conditioned upon the officers' continued employment with the Bank. In August 2013, the Company accelerated the vesting of 25,000 shares making them fully vested as of August 30, 2013. The remaining shares cliff-vest on November 30, 2014 conditioned upon the officers continued employment with the Bank. The shares have a grant-date fair value of $4.80 per share. An additional 50,000 performance-based restricted shares were issued to these officers on November 30, 2012, however, they were not deemed granted as the conditions for the vesting have not yet been established. The number of performance-based restricted shares that will vest will be calculated in accordance with the performance goals annually set by the Compensation Committee of the Board of Directors and will be a maximum of 10,000 shares for each of the years ending December 31, 2014, 2015, 2016, 2017 and 2018. The fair value of the performance-based restricted shares will be determined annually on the date the performance goals are established.

	In September 2013, the Company granted 10,000 shares of restricted stock as incentive compensation to the Company's new President and Chief Executive Officer. The shares have a grant-date fair value of $7.15 per share. Of this amount, 2,000 shares vest on September 30, 2014, and the remaining shares vest ratably over 48 months beginning October 31, 2014, conditioned upon the officer's continued employment with the Bank.

	The Company recognized $100,000 and $160,000 of stock-based compensation expense associated with the stock awards for the three and nine months ended September 30, 2013, respectively. The expense for the three months ended September 30, 2013 was $70,000 higher due to the accelerated vesting of restricted stock discussed above. As of September 30, 2013, compensation cost of $142,000 related to unearned awards is expected to be recognized over a weighted-average period of 2.1 years. The entire 110,000 restricted stock awards are considered issued and outstanding as they have voting and dividend rights; however, only the vested awards are included in the computation of earnings per share.

Noninterest_Expense

Noninterest Expense	9 Months Ended
	Sep. 30, 2013
Noninterest Expense [Abstract]	'
NONINTEREST EXPENSE	'
	NONINTEREST EXPENSE

	The following table details the items comprising other general and administrative expenses:



	($ in thousands)	Three Months Ended September 30,				Nine Months Ended September 30,
		2013		2012		2013		2012
	Other general and administrative expenses:

	Data processing	$	148	$	83	$	452	$	242

	Other loan expenses	82		11		244		63

	Marketing and promotions	54		46		154		94

	Regulatory and reporting fees	32		30		101		103

	FDIC assessment	24		33		89		129

	Directors’ fees	35		27		84		69

	Telephone/communication	29		12		81		36

	Travel and entertainment	23		12		77		35

	Printing, stationery and supplies	17		8		62		21

	Training, education and conferences	9		2		47		7

	OREO expense	20		11		44		44

	Insurance	14		12		40		36

	Dues and memberships	13		10		36		25

	Postage and shipping	9		3		25		10

	Core deposit intangible amortization	17		—		22		—

	ATM and debit card fees	8		4		17		12

	Franchise taxes	4		3		8		8

	Operating losses / legal settlements	139		127		159		137

	Miscellaneous other	3		4		9		13

	Total	$	680	$	438	$	1,751	$	1,084

Commitments_and_Contingencies

Commitments and Contingencies	9 Months Ended
Commitments and Contingencies	Sep. 30, 2013
Commitments and Contingencies Disclosure [Abstract]	'
COMMITMENTS AND CONTINGENCIES	'
	COMMITMENTS AND CONTINGENCIES

	The Company is a party to credit related financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments consist of commitments to extend credit. Such commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets. The Company’s exposure to credit loss is represented by the contractual amount of these commitments. The Company follows the same credit policies in making commitments as it does for on-balance-sheet instruments.

	At September 30, 2013 and December 31, 2012, $40.2 million and $28.5 million, respectively, in unfunded commitments were outstanding whose contract amounts represent credit risk. Of the $40.2 million in total commitments outstanding at September 30, 2013, $7.3 million were at variable rates and $19.6 million were at fixed rates and $13.3 million have terms that are still being negotiated. Of the $28.5 million in total commitments outstanding at December 31, 2012, $7.7 million were at variable rates and $20.8 million were at fixed rates. Additionally, as of September 30, 2013 and December 31, 2012, the Company had approximately $9.6 million and $180,000, respectively, in commitments to sell residential mortgage loans to third-party investors.

	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. Since some of the commitments are expected to expire without being drawn upon, the commitments 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 is based on management’s credit evaluation. Collateral held varies, but may include accounts receivable, inventory, property, plant and equipment and income producing commercial properties.

	The Bank enters into commitments to sell residential mortgage loans to reduce interest rate risk on certain residential mortgage loans held for sale and loan commitments which were recorded in the consolidated balance sheets at their fair values. The Bank does not anticipate any material loss as a result of the commitments and contingent liabilities. Residential mortgage loans sold to others are predominantly conventional residential first lien mortgages originated under the Bank's usual underwriting procedures, and are most often sold on a nonrecourse basis. The Bank's agreements to sell residential mortgage loans in the normal course of business usually require certain representations and warranties on the underlying loans sold, related to credit information, loan documentation, collateral, first payment default and insurability, which if subsequently are untrue or breached, could require the Bank to repurchase certain loans affected. There have been no instances of repurchase under representations and warranties.

	On August 20, 2013, the Bank entered into an office building lease for approximately 12,500 square feet of space at 101 University Boulevard, in the Cherry Creek neighborhood of Denver. From this location, the Bank will operate a full-service branch, conduct commercial and residential mortgage lending activities, as well as house Bank operations and corporate functions. The lease is for a ten-year term with four five-year optional renewal periods. Lease payments will begin three months after the lease commencement date, which is the earlier of the date of occupancy or January 17, 2014. The space is expected to be ready for occupancy in the first quarter of 2014 at which time the Bank will vacate its corporate offices which are currently being leased on a month-to-month basis.

Fair_Value

Fair Value	9 Months Ended
	Sep. 30, 2013
Fair Value Disclosures [Abstract]	'
FAIR VALUE	'
	FAIR VALUE

	The Company carries its available-for-sale securities, loans held for sale, and interest rate lock commitments at fair value measured on a recurring basis. Fair value measurements are determined based on the assumptions the market participants would use in pricing the asset. See additional discussion regarding fair value measurement in Note 2 under the discussion of our critical accounting policies.

	For available-for-sale securities, fair value measurement is obtained from independent pricing services which utilize observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bonds’ terms and conditions, among other things. As of September 30, 2013 and December 31, 2012, all of the Company’s available-for-sale securities were valued using Level 2 inputs.

	For loans held for sale and interest rate lock commitments, fair value measurement is obtained using observable inputs, Level 2 on the fair value hierarchy, including what secondary markets are currently offering for loans with similar characteristics.

	Impaired loans are evaluated and valued at the time the loan is identified as impaired, at the lower of cost or fair value. Fair value is measured based on the value of the collateral securing these loans or the present value of expected cash flows and is classified as Level 3 in the fair value hierarchy. Collateral may be real estate and/or business assets including equipment, inventory and/or accounts receivable and is determined based on appraisals performed by qualified licensed appraisers hired by the Company. Appraised and reported values may be adjusted based on management's historical knowledge, changes in market conditions from the time of valuation, and/or management's expertise and knowledge of the client and client's business. Such discounts are typically significant and result in a Level 3 classification of the inputs for determining fair value. Impaired loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly.

	Other real estate owned is valued at the time the loan is foreclosed upon and the asset is transferred to other real estate owned. The value is based primarily on third party appraisals, less costs to sell. The appraisals may be adjusted based on management's historical knowledge, changes in market conditions from the time of valuation, and/or management's expertise and knowledge of the client and client's business. Such discounts are typically significant and result in a Level 3 classification of the inputs for determining fair value. Other real estate owned is reviewed and evaluated on at least an annual basis for additional impairment and adjusted accordingly.

	Assets and Liabilities Measured on a Recurring Basis

	Assets and liabilities measured at fair value on a recurring basis are summarized below:



	($ in thousands)	Quoted Prices in Active Markets for Identical Assets				Significant Other Observable Inputs			Significant Unobservable Inputs			Total
		(Level 1)				(Level 2)			(Level 3)
	Assets at September 30, 2013
	Investment securities, available-for-sale:
	Corporate	$	—			$	14,112		$	—		$	14,112

	State and municipal	—				18,523			—			18,523

	Residential agency MBS/CMOs	—				45,013			—			45,013

	Loans held for sale	—				9,672			—			9,672

	Interest rate lock commitments	—				136			—			136

	Total	$	—			$	87,456		$	—		$	87,456

	Assets at December 31, 2012

	Investment securities, available-for-sale:

	Corporate	$	—			$	14,450		$	—		$	14,450

	State and municipal	—				22,117			—			22,117

	Residential agency MBS/CMOs	—				48,143			—			48,143

	Loans held for sale	—				180			—			180

	Total	$	—			$	84,890		$	—		$	84,890


	There were no transfers in or out of the levels during the periods presented.

	Assets and Liabilities Measured on a Nonrecurring Basis

	Assets and liabilities measured at fair value on a nonrecurring basis are summarized below:



	($ in thousands)	Quoted Prices in Active Markets for Identical Assets				Significant Other Observable Inputs			Significant Unobservable Inputs			Total
		(Level 1)				(Level 2)			(Level 3)
	Assets at September 30, 2013
	Impaired loans (Financial)	$	—			$	—		$	—		$	—

	Other real estate owned (Non-financial)	$	—			$	—		$	2,300		$	2,300

Assets at December 31, 2012

Impaired loans (Financial)	$	—			$	—		$	—		$	—

Other real estate owned (Non-financial)	$	—			$	—		$	1,989		$	1,989


There were no impaired loans as of September 30, 2013. All impaired loans as of December 31, 2012 were carried at cost, as the fair value of the expected cash flows exceeded the book value; as such, they are not presented in the table above.

Other real estate owned (OREO) is real property taken by the Company either through foreclosure or through deed in lieu of foreclosure. The fair value of OREO is based on property appraisals adjusted at management’s discretion to reflect further decline in fair value since the time the appraisal analysis was completed, if warranted. Therefore, the inputs used to determine the fair value of OREO fall within Level 3. OREO had a carrying amount of $1.8 million at both September 30, 2013 and December 31, 2012, based on the appraisals less reasonable estimated costs to sell and less partial charge-offs recorded in 2011. The change in fair value of OREO properties from December 31, 2012 to September 30, 2013 relates to updated appraisals.

The following table provides information describing the valuation process used to determine recurring and nonrecurring fair value measurements categorized within Level 3 of the fair value hierarchy:



Asset Type		Valuation Method		Unobservable Inputs		Range

Impaired Loans		Property appraisals		Management discount for property type and/or recent market volatility		0% - 20% discount

		Discounted cash flow		Estimated loss probability based on management’s knowledge of client or client’s business		0% - 50% discount

OREO		Property appraisals		Management discount for property type, recent market volatility, and/or management’s knowledge of the property		0% - 20% discount

Fair Value of Financial Instruments

Disclosure of fair value information about financial instruments, whether or not recognized in the consolidated balance sheets, for which it is practicable to estimate such value is required by U.S. GAAP. Fair value estimates are made at a specific point in time based on relevant market information and information about the financial instrument. Because no market value exists for a significant portion of the financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature, involve uncertainties and matters of judgment, and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

Fair value information is not required to be disclosed for certain financial instruments and all nonfinancial instruments. Accordingly, the aggregate fair value amounts presented may not necessarily represent the underlying fair value of the financial instruments held by the Company. Fair value estimates are based on financial instruments both on and off the balance sheet without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Additionally, tax consequences related to the realization of the unrealized gains and losses can have a potential effect on fair value estimates and have not been considered in many of the estimates.

The following methods and assumptions were used to estimate the fair value of significant financial instruments:

Cash and cash equivalents: The carrying amounts of cash, due from banks and federal funds sold approximate their fair values.

Interest-bearing deposits with banks: The carrying amount of interest-bearing deposits with banks is estimated using a discounted cash flow calculation that applies interest rates currently being offered for deposits of similar remaining maturities.

Investment securities: Fair value measurement is obtained from independent pricing services which utilize observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bonds’ terms and conditions, among other things.

Loans, net: The fair value of fixed rate loans is estimated by discounting the future cash flows using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality. For variable rate loans that reprice frequently and with no significant change in credit risk, fair values are estimated to be equivalent to carrying values. Variable rate loans that are currently priced at their contractual floor or ceiling, and thus similar to fixed rate loans, are reviewed to determine the interest rate that would be currently offered on similar credits. If the current floor/ceiling rate is equivalent to current market rates, fair value is estimated to be equivalent to carrying value. If the current market rates differ from the loan’s current rate, the contractual cash flows are discounted using the current market rate to derive the loan’s estimated fair value. Both the estimated fair value and the carrying value have been reduced by specific and general reserves for loan losses.

Loans held for sale: Loans originated and held for sale are carried at fair value which is estimated using secondary market pricing currently being offered on loans with similar characteristics.

Investment in FHLB and Federal Reserve Bank stocks: It is not practical to determine the fair value of bank stocks due to the restrictions placed on the transferability of FHLB stock and Federal Reserve Bank stock.

Bank-owned life insurance: The carrying amount of bank-owned life insurance is based on the cash surrender value of the policies which is a reasonable estimate of fair value.

Accrued interest receivable: The carrying value of interest receivable approximates fair value due to the short period of time between accrual and receipt of payment.

Interest rate lock commitments: The fair value of interest rate lock commitments to originate residential mortgage loans held for sale is primarily based on quoted prices for similar assets in active markets that the Bank has the ability to access.

Deposits: The fair value of noninterest-bearing demand deposits, interest-bearing demand deposits and savings and money market accounts is determined to be the amount payable on demand at the reporting date. The fair value of fixed rate time deposits is estimated using a discounted cash flow calculation that applies interest rates currently being offered for deposits of similar remaining maturities. Carrying value is assumed to approximate fair value for all variable rate time deposits.

Securities sold under agreements to repurchase: The carrying amount of securities sold under agreements to repurchase approximates fair value due to the short-term nature of these agreements, which generally mature within one to four days from the transaction date.

Federal Home Loan Bank advances: Fair value of the Federal Home Loan Bank advances is estimated using a discounted cash flow model based on current market rates for similar types of borrowing arrangements including similar remaining maturities.

Accrued interest payable: The carrying value of interest payable approximates fair value due to the short period of time between accrual and payment.

Loan commitments and letters of credit: The fair values of commitments are estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. The difference between the carrying value of commitments to fund loans or standby letters of credit and their fair values are not significant and, therefore, are not included in the following table.

The carrying amounts and estimated fair values of financial instruments are summarized as follows:



($ in thousands)	Carrying				Fair Value Measurements at September 30, 2013
Financial Assets:	Value				Level 1			Level 2			Level 3			Total
Cash and cash equivalents	$	1,822			$	1,822		$	—		$	—		$	1,822

Interest-bearing deposits with banks	257				—			271			—			271

Investment securities	77,648				—			77,648			—			77,648

Loans, net	71,541				—			—			73,147			73,147

Loans held for sale	9,672				—			9,672			—			9,672

FHLB and FRB stocks	2,350				—			—			NA			NA

Bank-owned life insurance	4,277				—			—			4,277			4,277

Accrued interest receivable	679				—			475			204			679

Interest rate lock commitments	136				—			136			—			136

Financial Liabilities:

Deposits, demand, savings and money market	$	66,733			$	—		$	66,733		$	—		$	66,733

Time deposits	60,639				—			61,273			—			61,273

Securities sold under agreements to repurchase	54				—			54			—			54

FHLB advances	25,447				—			25,598			—			25,598

Accrued interest payable	78				—			78			—			78




($ in thousands)	Carrying				Fair Value Measurements at December 31, 2012
Financial Assets:	Value				Level 1			Level 2			Level 3			Total
Cash and cash equivalents	$	2,738			$	2,738		$	—		$	—		$	2,738

Interest-bearing deposits with banks	257				—			273			—			273

Investment securities	84,710				—			84,710			—			84,710

Loans, net	58,744				—			—			58,785			58,785

Loans held for sale	180				—			180			—			180

FHLB and FRB stocks	1,189				—			—			NA			NA

Bank-owned life insurance	2,067				—			—			2,067			2,067

Accrued interest receivable	707				—			537			170			707

Financial Liabilities:

Deposits, demand, savings and money market	$	66,963			$	—		$	66,963		$	—		$	66,963

Time deposits	57,769				—			58,671			—			58,671

Securities sold under agreements to repurchase	54				—			54			—			54

FHLB advances	8,500				—			8,722			—			8,722

Accrued interest payable	56				—			56			—			56

Segment_Reporting

Segment Reporting	9 Months Ended
	Sep. 30, 2013
Segment Reporting [Abstract]	'
SEGMENT REPORTING	'
	SEGMENT REPORTING

	Reportable segments include community banking and residential mortgage banking services. These segments were determined based on the products and services provided and are consistent with the information that is used by the Bank's key decision makers to make operating decisions and to assess the Company's performance. Community banking involves making loans to and generating deposits primarily from individuals and businesses in the Bank's primary market - the six-county Denver metropolitan area. Residential mortgage banking involves the origination of residential loans and subsequent sale of those loans to investors. The residential mortgage banking segment is a strategic business unit that offers different products and services. It is managed separately because the segment appeals to different markets and, accordingly, requires different technology and marketing strategies. The residential mortgage division has five loan production offices in Colorado including Boulder, two locations in Colorado Springs, the Denver Tech Center and Durango. This segment's most significant revenue item is noninterest income and its most significant expense item is noninterest expense. The Bank does not have other reportable operating segments. The accounting policies of the mortgage banking division are the same as those described in the summary of critical accounting policies.

	The following table presents the financial information from the Bank's two operating segments for the three and nine months ended September 30, 2013.

	There were no results presented for the period ended December 31, 2012, as the residential mortgage division was established late in the fourth quarter of 2012 and results of operations for the division were not deemed to be material for that period.



	($ in thousands)	Community Banking			Residential Mortgage Banking			Total
	Three Months Ended September 30, 2013
	Net interest income	$	1,134		$	68		$	1,202

	Provision for loan and lease losses	—			—			—

	Total noninterest income	120			1,563			1,683

	Total noninterest expense	1,700			1,823			3,523

	(Loss) before income taxes	$	(446	)	$	(192	)	$	(638	)

	Nine Months Ended September 30, 2013
	Net interest income	$	3,227		$	149		$	3,376

	Provision for loan and lease losses	—			—			—

	Total noninterest income	573			5,464			6,037

	Total noninterest expense	4,149			5,282			9,431

	(Loss) / income before income taxes	$	(349	)	$	331		$	(18	)


	Segment Assets
	September 30, 2013	$	156,233		$	16,064		$	172,297


	Average Loans
	QTD	$	66,725		$	13,445		$	80,170

	YTD	$	65,141		$	13,306		$	78,447


	The third quarter 2013 loss for the residential mortgage division was largely driven by the increase in long-term interest rates experienced in the second quarter 2013, which significantly reduced refinancing activity in the third quarter. Refinancing of residential mortgage loans fell from $31.2 million during the second quarter of 2013 to $11.7 million during the third quarter of 2013. Residential mortgage loans funded for the purchase of new homes remained relatively stable at $53.2 million during the second quarter of 2013 and $50.6 million during the third quarter of 2013. We expect refinance activity to remain at low levels over the near-term.

	The increased loss experienced during the third quarter of 2013 in the community banking division largely related to the approximately $400,000 of nonrecurring expenses incurred during the quarter in connection with the retirement of our former President and CEO as well as the charge-off of uncollectable receivables associated with one of our two OREO properties.

Legal_Contingencies

Legal Contingencies	9 Months Ended
Legal Contingencies	Sep. 30, 2013
Commitments and Contingencies Disclosure [Abstract]	'
LEGAL CONTINGENCIES	'
	LEGAL CONTINGENCIES

	In the ordinary course of our business, we may be party to various legal actions, which we believe are incidental to the operation of our business. In the opinion of management, based upon information currently available to us, any resulting liability from legal actions is not likely to have a materially adverse effect on the Company's consolidated financial position, results of operations or cash flows.

Subsequent_Events

Subsequent Events	9 Months Ended
Subsequent Events	Sep. 30, 2013
Subsequent Events [Abstract]	'
SUBSEQUENT EVENTS	'
	SUBSEQUENT EVENTS
	On October 30, 2013, the Company announced that it has been approved by the Office of the Comptroller of the Currency to expand its franchise and open a full-service branch in the Cherry Creek neighborhood at 101 University Boulevard in Denver, Colorado. The Bank is targeting to open the new branch during the first quarter of 2014.

Critical_Accounting_Policies_P

Critical Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2013
Accounting Policies [Abstract]	'
Provision and allowance for loan and lease losses	'
	Provision and Allowance for Loan and Lease Losses: Implicit in the Company’s lending activities is the fact that loan and lease losses will be experienced and that the risk of loss will vary with the type of loans being made and the creditworthiness of the borrowers over the terms of the loans. The allowance for loan and lease losses represents the Company’s recognition of the risks of extending credit and its evaluation of the loan portfolio. The evaluation of the allowance is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance for loan and lease losses is maintained at a level considered adequate to provide for probable loan and lease losses based on management’s assessment of various factors affecting the loan portfolio, including a review of problem loans, business conditions, historical loss experience, evaluation of the quality of the underlying collateral, and holding and disposal costs. In addition, because the Bank has limited history on which to base future loan and lease losses, a comparison of peer group allowance ratios to gross loans is made with the intention of maintaining similar levels until the Bank has sufficient historical data to see trends in our own loss history. The allowance for loan and lease losses is increased by provisions charged to expense and reduced by loans and leases charged-off, net of recoveries. Loan and lease losses are charged against the allowance for loan and lease losses when management believes the balance is uncollectible.

	The Company has established a formal process for determining an adequate allowance for loan and lease losses. The allowance for loan and lease losses calculation has two components. The first component represents the allowance for loan and lease losses for impaired loans; that is, loans where the Company believes collection of the contractual principal and interest payments is not probable. To determine this component of the calculation, impaired loans and leases are individually evaluated by either discounting the expected future cash flows or determining the fair value of the collateral, if repayment is expected solely from collateral. The fair value of the collateral is determined using internal analyses as well as third-party information, such as appraisals. That value, less estimated costs to sell, is compared to the recorded investment in the loan and any shortfall is charged-off. Unsecured loans and loans that are not collateral-dependent are evaluated by calculating the discounted cash flow of the payments expected over the life of the loan using the loan’s effective interest rate and giving consideration to currently existing factors that would impact the amount or timing of the cash flows. The shortfall between the recorded investment in the loan and the discounted cash flows, or the fair value of the collateral less estimated costs to sell, represents the first component of the allowance for loan and lease losses.

	The second component of the allowance for loan and lease losses represents contingent losses – the estimated probable losses inherent within the portfolio due to uncertainties. To determine this component, management calculates a weighted-average loss rate based on actual loss rates over the last two to three years for all banks in Colorado and for similarly-sized commercial banks with two or fewer locations in a metropolitan area. Management then adjusts the loss rate for environmental factors which include, but are not limited to, 1) historical and current trends in downgraded loans; 2) the level of the allowance in relation to total loans; 3) the levels and trends in non-performing and past due loans; and 4) management’s assessment of economic conditions and certain qualitative factors as defined by bank regulatory guidance, including but not limited to, changes in the size, composition and concentrations of the loan portfolio, changes in the legal and regulatory environment, and changes in lending management. The qualitative factors also consider the risk elements within each segment of the loan portfolio. The primary risk comes from the difference between the expected and actual cash flows of the borrower and is influenced by the type of collateral securing the loans. For real estate secured loans, conditions in the real estate markets as well as the general economy influence real estate values and may impact the Company’s ability to recover its investment due to declines in the fair value of the underlying collateral. The risks in non-real estate secured loans include general economic conditions as well as interest rate changes. Classified and criticized loans, which are closely monitored by management, are taken out of their original category for calculating their contingent loss rate and are assigned a loss rate ranging between 2.50% and 15.65% of the loan’s principal balance. The aggregate of above described segments represents the contingent losses in the loan portfolio.

	The recorded allowance for loan and lease losses is the aggregate of the impaired loan and lease component and the contingent loss component. We aggregate our loans into four portfolio segments: Commercial Real Estate Secured; Residential Real Estate Secured; Commercial and Industrial; and Consumer. These segments are based upon the loan’s categorization in the Consolidated Report of Condition and Income, as set forth by banking regulators, (the “Call Report”). Our methodology for estimating the allowance has not changed materially during the current or prior reporting period and is consistent across all portfolio segments and classes of loans.

	At September 30, 2013, the Company had an allowance for loan and lease losses of $1.1 million. We believe that this is adequate to cover probable losses based on currently available information. Future additions to the allowance for loan and lease losses may be required based on management’s continuing evaluation of the inherent risks in the portfolio. Additional provisions for loan and lease losses may be needed if the economy declines, asset quality deteriorates, or the loss experience changes.
Loans receivable	'
	Loans Receivable: Loans receivable that the Company has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at their outstanding unpaid principal balances net of any deferred fees or costs, and reduced by any charge-offs and the allowance for loan and lease losses.

	Credit and loan decisions are made by management and the Board of Directors’ Credit Committee in conformity with established loan policies. The Company’s practice is to charge-off any loan or portion of a loan when the loan is determined to be uncollectible due to the borrower’s failure to meet repayment terms, the borrower’s deteriorated financial condition, the depreciation of the underlying collateral, the loan’s classification as a loss, or for other reasons.

	The Company considers a loan to be impaired when it is probable that the Company will be unable to collect all amounts due (principal and interest) according to the contractual terms of the loan agreement. Measurement of impairment is based on the expected future cash flows of an impaired loan, which are to be discounted at the loan’s effective interest rate, or measured by reference to an observable market value, if one exists, or the fair value of the collateral for a collateral-dependent loan. The Company selects the measurement method on a loan-by-loan basis except that collateral-dependent loans for which foreclosure is probable are measured at the fair value of the collateral. The Company recognizes interest income on impaired loans based on its existing methods of recognizing interest income on nonaccrual loans (see Interest and Fees on Loans, below).
Interest and fees on loans	'
	Interest and Fees on Loans: Interest income is recognized daily in accordance with the terms of each note based on the outstanding principal balance. Loans on which the accrual of interest has been discontinued are designated as nonaccrual loans. The accrual of interest on loans is discontinued when principal or interest is 90 days past due based on contractual terms of the loan or when, in the opinion of management, there is reasonable doubt as to collectability. When loans are placed on nonaccrual status, all interest previously accrued but not collected is reversed against current period interest income. Income on nonaccrual loans is subsequently recognized only to the extent that cash is received and the Bank’s recorded investment in the loan (the customer’s balance less any partial charge-offs) is deemed collectible. Interest accruals are resumed on such loans only when they are brought current and when, in the judgment of management, the loans are estimated to be fully collectible as to all interest and the Bank’s recorded investment.

	Generally, for all classes of loans, loans are considered past due when contractual payments are delinquent by 30 days or more.

	Loan origination fees and certain direct origination costs are capitalized and recognized as an adjustment of the yield of the related loan using the effective interest method and without anticipating prepayments.
Loans Held for Sale / Gains and Losses on Sales of Mortgage Loans	'
	Loans Held for Sale / Gains and Losses on Sales of Mortgage Loans: Residential mortgage loans originated and held for sale are marked to market with gains and losses recognized in noninterest income. The market value is based on committed secondary market prices.
Loan Commitments and Related Financial Instruments	'
	Loan Commitments and Related Financial Instruments: In the ordinary course of business, the Company has entered into off-balance-sheet financial instruments consisting of commitments to extend credit, commercial letters of credit, and standby letters of credit as described in Note 12. Such financial instruments are recorded in the financial statements when they are funded or related fees are incurred or received.
Interest Rate Lock Commitments and Forward Sales Commitments	'
	Interest Rate Lock Commitments and Forward Sales Commitments: Interest rate lock commitments are commitments to fund residential mortgage loans at specified interest rates within a specified time, generally up to 60 days from the time of the rate lock. An interest rate lock commitment related to a loan that will be held for sale is a derivative instrument under accounting principles generally accepted in the United States (U.S. GAAP), and is recognized at fair value on the consolidated balance sheets in other assets and other liabilities with changes in its value recorded in gain on loans sold within noninterest income on the consolidated statements of operations and comprehensive (loss) income. To eliminate the exposure of changes in interest rates impacting the fair value of interest rate lock commitments, the Company utilizes “best efforts” forward loan sale commitments. These contracts are entered into at the same time as the interest rate lock commitments, and lock in the sale and price of the loan with the Company's secondary market investors. Since these are “best efforts” contracts, the Company does not incur a penalty in the event the committed loans are not delivered. These forward loan sales commitments are not considered derivative instruments under U.S. GAAP, but in accordance with U.S. GAAP, the Company has elected to mark these instruments to market. As such, both the interest rate lock commitments and forward sales commitments are accounted for at fair value. See additional discussion in Note 6, Loans Held for Sale and Interest Rate Lock Commitments.
Share-based compensation	'
	Share-Based Compensation: The Company grants stock options as incentive compensation to employees and directors. The cost of employee/director services received in exchange for an award of equity instruments is based on the grant-date fair value of the award, which is determined using a Black-Scholes-Merton model. This cost, net of estimated forfeitures, is expensed to employee compensation and benefits over the period in which the recipient is required to provide services in exchange for the award, generally the vesting period.
Estimation of fair value	'
	Estimation of Fair Value: The estimation of fair value is significant to a number of the Company’s assets, including available-for-sale investment securities, interest rate lock commitments and forward sales commitments. Additionally, U.S. GAAP requires disclosure of the fair value of financial instruments as a part of the notes to the consolidated financial statements. Fair values are volatile and may be influenced by a number of factors, including market interest rates, prepayment speeds, discount rates and the shape of the yield curve. Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the most advantageous market for the asset or liability in an orderly transaction between market participants. The fair value hierarchy requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. Current accounting standards describe three levels of inputs that may be used to measure fair values:



		Level 1 –	inputs are unadjusted quoted prices in active markets for identical assets or liabilities that the Company has the ability to access at the measurement date.

		Level 2 –	inputs are other than quoted prices included in Level 1 that are observable for the asset or liability either directly or indirectly, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or model-based valuation techniques for which all significant assumptions are observable in the market.

		Level 3 –	valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques.
Impairment of investment securities	'
	Impairment of Investment Securities: Investment securities are evaluated for impairment on at least a quarterly basis and more frequently when economic or market conditions warrant such an evaluation to determine whether a decline in their value below amortized cost is other-than-temporary. Securities are evaluated for impairment utilizing criteria such as the magnitude and duration of the decline, current market conditions, payment history, the credit worthiness of the obligor, the intent of the Company to retain the security or whether it is more likely than not that the Company will be required to sell the security before recovery of the value, as well as other qualitative factors. If a decline in value below amortized cost is determined to be other-than-temporary, which does not necessarily indicate that the decline is permanent, but indicates that the prospects for a near-term recovery of value is not favorable, the security is reviewed in more detail in order to determine the portion of the impairment that relates to credit (resulting in a charge to earnings) versus the portion of the impairment that is noncredit related (resulting in a charge to accumulated other comprehensive income). If it is more likely than not that sale of the security will be required prior to recovery of its amortized cost, the entire impairment is recognized in earnings equal to the difference between the amortized cost basis and the fair value. A credit loss is determined by comparing the amortized cost basis to the present value of cash flows expected to be collected, computed using the original yield as the discount rate.
Income (loss) per common share	'
	Income (Loss) per Common Share: Basic earnings (loss) per common share, (EPS), is based on the weighted-average number of common shares outstanding during the period. Diluted earnings (loss) per share is similar to basic EPS except that the weighted-average number of common shares outstanding is increased by the number of additional common shares that would have been outstanding if the dilutive potential common shares had been issued at the beginning of the period. Given the loss for the three and nine months ended September 30, 2013, diluted EPS did not differ from basic EPS as all dilutive-potential shares were anti-dilutive. Diluted EPS did not differ from basic EPS for the three and nine months ended September 30, 2012, given the small amount of dilutive-potential stock options. For the three months ended September 30, 2013 and 2012, respectively, approximately 129,000 and 311,000 anti-dilutive options were not included in the calculation of diluted EPS. For the nine months ended September 30, 2013 and 2012, respectively, 70,000 and 253,000 anti-dilutive options were not included in the calculation of diluted EPS.
Business segments	'
	Business Segments: The Company uses the "management approach" for reporting information about segments and has determined that as of September 30, 2013, its business is comprised of two operating segments: community banking and residential mortgage banking.
Recent accounting pronouncements	'
	Recent Accounting Pronouncements

	In February 2013, the Financial Accounting Standards Board, (FASB), issued an accounting standards update to finalize the reporting for reclassifications of amounts out of accumulated other comprehensive income (AOCI). Items reclassified from AOCI to net income, in their entirety, must have the effect of the reclassification disclosed according to the respective statement of operations line item. This information must be provided either on the face of the financial statements by statement of operations line item, or in a footnote. This accounting standards update became effective for interim and annual periods beginning on or after December 15, 2012. Currently, the impact of this update on the Company is minimal as the only changes to AOCI are changes in the market values related to available-for-sale securities.

	In July 2013, the FASB issued an accounting standards update on the presentation of unrecognized tax benefits. This update requires separate presentation of tax benefits related to net operating loss carryforwards and credit carryforwards apart from other deferred tax assets. This accounting standards update will become effective for us in first quarter 2014. Currently, there is no impact on the Company due to this update as our deferred tax assets have a full valuation allowance.

	During the first nine months of 2013, the FASB issued other accounting standards updates which may impact banks or other entities but do not, and are not expected to, have a material impact on our financial position, results of operations or cash flows.

Basis_of_Presentation_Tables

Basis of Presentation (Tables)	9 Months Ended
	Sep. 30, 2013
Earnings Per Share [Abstract]	'
Basic and diluted earnings per share	'
	Amounts used in the determination of basic and diluted earnings per share for the three and nine months ended September 30, 2013 and 2012, are shown below:



	($ in thousands, except share data)	For the Three Months					For the Nine Months
		Ended September 30,					Ended September 30,
		2013			2012		2013			2012
	Basic earnings (loss) per share computation
	Net (loss) earnings to common stockholders	$	(638	)	$	74	$	(18	)	$	168

	Weighted average shares outstanding - basic	2,568,708			2,553,671		2,566,460			2,553,671


	Basic (loss) earnings per share	$	(0.25	)	$	0.03	$	(0.01	)	$	0.07

	Diluted earnings (loss) per share computation
	Net (loss) earnings to common stockholders	$	(638	)	$	74	$	(18	)	$	168

	Weighted average shares outstanding - basic	2,568,708			2,553,671		2,566,460			2,553,671

	Shares assumed issued:
	Stock options	—			11,434		—			5,349

	Restricted stock	—			—		—			—

	Weighted average shares outstanding - diluted	2,568,708			2,565,105		2,566,460			2,559,020


	Diluted (loss) earnings per share	$	(0.25	)	$	0.03	$	(0.01	)	$	0.07

Investments_Tables

Investments (Tables)	9 Months Ended
	Sep. 30, 2013
Investments, Debt and Equity Securities [Abstract]	'
Amortized costs and estimated fair values of investment securities	'
	The amortized costs and estimated fair values of investment securities as of September 30, 2013 and December 31, 2012 are as follows:


	($ in thousands)	September 30, 2013
		Amortized		Gross			Gross				Estimated
		Cost		Unrealized			Unrealized				Fair Value
				Gains			Losses
	Securities available-for-sale:

	Corporate	$	14,337	$	142		$	(367	)		$	14,112

	State and municipal	19,207		85			(769		)		18,523

	Residential agency mortgage-backed securities (MBS) and collateralized mortgage obligations (CMOs)	44,989		371			(347		)		45,013

	Total securities available-for-sale	$	78,533	$	598		$	(1,483	)		$	77,648




	($ in thousands)	December 31, 2012
		Amortized		Gross			Gross				Estimated
		Cost		Unrealized			Unrealized				Fair Value
				Gains			Losses
	Securities available-for-sale:

	Corporate	$	14,148	$	457		$	(155	)		$	14,450

	State and municipal	21,752		412			(47		)		22,117

	Residential agency MBS/CMOs	47,742		570			(169		)		48,143

	Total securities available-for-sale	$	83,642	$	1,439		$	(371	)		$	84,710

Contractual maturities of investment securities	'
	For instance, we received $12.5 million from the maturity / prepayment of securities during the nine months ended September 30, 2013 (see our Consolidated Statements of Cash Flows ) versus $1.0 million contractually maturing within one year as of December 31, 2012, as set forth in the table below.



	($ in thousands)	September 30, 2013					December 31, 2012
		Amortized		Estimated Fair			Amortized				Estimated Fair
		Cost		Value			Cost				Value
	Securities available-for-sale:
	Due within one year	$	—	$	—		$	1,003			$	1,023

	Due after one year through five years	7,048		7,171			6,180				6,455

	Due after five years through ten years	25,578		24,691			22,869				23,242

	Due after ten years	45,907		45,786			53,590				53,990

	Total securities available-for-sale	$	78,533	$	77,648		$	83,642			$	84,710

Estimated fair value and gross unrealized losses of securities in a continuous loss position	'
	The following tables show the estimated fair value and gross unrealized losses, aggregated by investment category and length of time the individual securities have been in a continuous loss position as of September 30, 2013 and December 31, 2012.



		September 30, 2013
	($ in thousands)	Less than 12 months								12 months or more								Total
	Description of securities:	Estimated Fair Value		Unrealized			# of			Estimated Fair Value				Unrealized			# of	Estimated Fair Value		Unrealized			# of
				Losses			Securities							Losses			Securities			Losses			Securities
	Corporate	$	6,878	$	(334	)	13			$	2,467			$	(33	)	4	$	9,345	$	(367	)	17

	State and municipal	14,985		(733		)	32			468				(36		)	1	15,453		(769		)	33

	Residential agency MBS/CMOs	16,135		(258		)	19			7,285				(89		)	10	23,420		(347		)	29

	Total temporarily-impaired	$	37,998	$	(1,325	)	64			$	10,220			$	(158	)	15	$	48,218	$	(1,483	)	79




		December 31, 2012
	($ in thousands)	Less than 12 months								12 months or more								Total
	Description of securities:	Estimated Fair Value		Unrealized			# of			Estimated Fair Value				Unrealized			# of	Estimated Fair Value		Unrealized			# of
				Losses			Securities							Losses			Securities			Losses			Securities
	Corporate	$	1,436	$	(8	)	2			$	3,353			$	(147	)	6	$	4,789	$	(155	)	8

	State and municipal	4,512		(47		)	9			—				—			—	4,512		(47		)	9

	Residential agency MBS/CMOs	17,267		(164		)	16			1,134				(5		)	2	18,401		(169		)	18

	Total temporarily-impaired	$	23,215	$	(219	)	27			$	4,487			$	(152	)	8	$	27,702	$	(371	)	35

Proceeds from sales of available-for-sale securities	'
	Sales of available-for-sale securities were as follows:



	($ in thousands)	Three Months Ended September 30,					Nine Months Ended September 30,
		2013		2012			2013				2012
	Proceeds	$	2,325	$	12,384		$	15,173			$	31,828

	Gross gains	$	49	$	300		$	301			$	580

	Gross losses	$	—	$	(11	)	$	(7	)		$	(11	)

Loans_Tables

Loans (Tables)	9 Months Ended
	Sep. 30, 2013
Loans and Leases Receivable Disclosure [Abstract]	'
Composition of the the loan portfolio	'
	The following table sets forth the composition of our loan portfolio, excluding loans held for sale, according to each loan’s purpose, which may differ from the categorization of the loan in subsequent tables which categorize the loan according to its underlying collateral:



	($ in thousands)	September 30,			December 31,
		2013			2012
	Commercial real estate (“CRE”)	$	45,462		$	38,230

	Commercial and industrial	9,870			9,383

	Residential real estate	14,100			10,608

	Construction and land development	1,012			791

	Consumer	2,151			620

	GROSS LOANS	72,595			59,632

	Net deferred loan expenses / (fees)	47			175

	Allowance for loan and lease losses	(1,101		)	(1,063		)
	LOANS, NET	$	71,541		$	58,744

Allowance_for_Loan_and_Lease_L1

Allowance for Loan and Lease Losses (Tables)	9 Months Ended
	Sep. 30, 2013
Loans and Leases Receivable, Allowance [Abstract]	'
Allowance for loan and lease losses	'
	Activity in the allowance for loan and lease losses for the three and nine months ended September 30, 2013 and 2012 is summarized as follows:



	($ in thousands)	Three Months Ended								Nine Months Ended
		September 30,								September 30,
		2013				2012				2013				2012
	Balance, beginning of period	$	1,088			$	1,009			$	1,063			$	1,067

	Charge-offs	—				—				(7		)		(88		)

	Recoveries	13				24				45				54

	Provision for loan and lease losses	—				—				—				—

	Balance, end of period	$	1,101			$	1,033			$	1,101			$	1,033

Rollforward of the allowance for loan and lease losses by portfolio segment	'
	The tables below provide a rollforward, by portfolio segment, of the allowance for loan and lease losses for the three and nine months ended September 30, 2013 and 2012, respectively.



	Rollforward of Allowance for Loan and Lease Losses by Portfolio Segment
	Three Months Ended September 30, 2013
	($ in thousands)	Commercial Real Estate Secured				Residential Real Estate Secured				Commercial and Industrial				Consumer				Total
	Balance at June 30, 2013	$	674			$	308			$	105			$	1			$	1,088

	Charge-offs	—				—				—				—				—

	Recoveries	—				12				1				—				13

	Provision for loan and lease losses	(19		)		(18		)		38				(1		)		—

	Balance at September 30, 2013	$	655			$	302			$	144			$	—			$	1,101





	Rollforward of Allowance for Loan and Lease Losses by Portfolio Segment
	Nine Months Ended September 30, 2013
	($ in thousands)	Commercial Real Estate Secured				Residential Real Estate Secured				Commercial and Industrial				Consumer				Total
	Balance at December 31, 2012	$	784			$	222			$	57			$	—			$	1,063

	Charge-offs	(7		)		—				—				—				(7		)

	Recoveries	—				40				5				—				45

	Provision for loan and lease losses	(122		)		40				82				—				—

	Balance at September 30, 2013	$	655			$	302			$	144			$	—			$	1,101





	Rollforward of Allowance for Loan and Lease Losses by Portfolio Segment
	Three Months Ended September 30, 2012
	($ in thousands)	Commercial Real Estate Secured				Residential Real Estate Secured				Commercial and Industrial				Consumer				Total
	Balance at June 30, 2012	$	665			$	247			$	96			$	1			$	1,009

	Charge-offs	—				—				—				—				—

	Recoveries	—				14				10				—				24

	Provision for loan and lease losses	32				(27		)		(5		)		—				—

	Balance at September 30, 2012	$	697			$	234			$	101			$	1			$	1,033





	Rollforward of Allowance for Loan and Lease Losses by Portfolio Segment
	Nine Months Ended September 30, 2012
	($ in thousands)	Commercial Real Estate Secured				Residential Real Estate Secured				Commercial and Industrial				Consumer				Total
	Balance at December 31, 2011	$	726			$	244			$	97			$	—			$	1,067

	Charge-offs	—				—				(85		)		(3		)		(88		)

	Recoveries	—				44				10				—				54

Provision for loan and lease losses	(29		)		(54		)		79				4				—

Balance at September 30, 2012	$	697			$	234			$	101			$	1			$	1,033

Ending balances in loans and allowance for loan and lease losses by portfolio segment	'
	The tables also identify the recorded investment in loans and the related allowance that correspond to individual versus collective impairment evaluation as derived from the Company’s methodology of estimating the allowance for loan and lease losses (see additional discussion about our allowance methodology under Note 2: Critical Accounting Policies, Provision and Allowance for Loan and Lease Losses).



	Ending Balances in Loans and Allowance for Loan and Lease Losses by Portfolio Segment
	September 30, 2013
	($ in thousands)	Commercial Real Estate Secured				Residential Real Estate Secured				Commercial and Industrial				Consumer				Total
	Loans
	Individually evaluated for impairment	$	—			$	—			$	—			$	—			$	—

	Collectively evaluated for impairment	38,708				21,642				12,190				55				72,595

	Total	$	38,708			$	21,642			$	12,190			$	55			$	72,595

	Allowance for loan losses

	Individually evaluated for impairment	$	—			$	—			$	—			$	—			$	—

	Collectively evaluated for impairment	655				302				144				—				1,101

	Total	$	655			$	302			$	144			$	—			$	1,101




	Ending Balances in Loans and Allowance for Loan and Lease Losses by Portfolio Segment
	December 31, 2012
	($ in thousands)	Commercial Real Estate Secured				Residential Real Estate Secured				Commercial and Industrial				Consumer				Total
	Loans
	Individually evaluated for impairment	$	—			$	—			$	13			$	—			$	13

	Collectively evaluated for impairment	34,634				15,873				9,062				50				59,619

	Total	$	34,634			$	15,873			$	9,075			$	50			$	59,632

	Allowance for loan losses

	Individually evaluated for impairment	$	—			$	—			$	—			$	—			$	—

	Collectively evaluated for impairment	784				222				57				—				1,063

	Total	$	784			$	222			$	57			$	—			$	1,063

Reconciliation of loans between portfolio segment and class	'
	The following tables contain reconciliation information between the portfolio segment levels and class levels:



	Reconciliation between Portfolio Segment and Class
	September 30, 2013 (Principal Balance)
	($ in thousands)	Portfolio Segment
	Class	Commercial Real Estate Secured				Residential Real Estate Secured				Commercial and Industrial				Consumer				Total
	CRE – owner occupied	$	21,634			$	—			$	—			$	—			$	21,634

	CRE – non-owner occupied	17,074				—				—				—				17,074

	Commercial and industrial	—				—				9,501				—				9,501

	Residential real estate	—				20,630				—				—				20,630

	Construction and land development	—				1,012				—				—				1,012

	Government guaranteed	—				—				2,689				—				2,689

	Consumer	—				—				—				55				55

	Total	$	38,708			$	21,642			$	12,190			$	55			$	72,595




	Reconciliation between Portfolio Segment and Class
	December 31, 2012 (Principal Balance)
	($ in thousands)	Portfolio Segment
	Class	Commercial Real Estate Secured				Residential Real Estate Secured				Commercial and Industrial				Consumer				Total
	CRE – owner occupied	$	13,544			$	—			$	—			$	—			$	13,544

	CRE – non-owner occupied	20,462				—				—				—				20,462

	Commercial and industrial	—				—				6,156				—				6,156

	Residential real estate	—				15,515				—				—				15,515

	Construction and land development	628				358				—				—				986

	Government guaranteed	—				—				2,919				—				2,919

	Consumer	—				—				—				50				50

	Total	$	34,634			$	15,873			$	9,075			$	50			$	59,632

Impaired loans by class	'
	There were no impaired loans with a related allowance as of September 30, 2013 or December 31, 2012.



		Impaired Loans by Class as of December 31, 2012
	($ in thousands)	Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment YTD				Interest Income Recognized YTD
	Impaired loans with no related allowance
	CRE – owner occupied	$	—			$	—			$	—			$	—			$	—

	CRE – non-owner occupied	—				—				—				—				—

	Commercial and industrial	13				13				—				58				2

	Residential real estate	—				—				—				—				—

	Construction and land development	—				—				—				—				—

	Government guaranteed	—				—				—				—				—

	Consumer	—				—				—				—				—

	Total	$	13			$	13			$	—			$	58			$	2

Age analysis of loans by class	'
	The following tables summarize, by class, our past due and nonaccrual loans as of the dates indicated.



		Age Analysis of Loans by Class as of September 30, 2013
	($ in thousands)	30-59 Days Past Due				60-89 Days Past Due				Past Due 90 Days or More and Still Accruing				Nonaccrual				Total Past Due and Nonaccrual
	CRE – owner occupied	$	250			$	—			$	—			$	—			$	250

	CRE – non-owner occupied	—				—				—				—				—

	Commercial and industrial	—				—				—				—				—

	Residential real estate	—				550				—				—				550

	Construction and land development	—				—				—				—				—

	Government guaranteed	—				—				—				—				—

	Consumer	—				—				—				—				—

	Total	$	250			$	550			$	—			$	—			$	800


	As of October 31, 2013, the past due loans listed above have been brought current.


		Age Analysis of Loans by Class as of December 31, 2012
	($ in thousands)	30-59 Days Past Due				60-89 Days Past Due				Past Due 90 Days or More and Still Accruing				Nonaccrual				Total Past Due and Nonaccrual
	CRE – owner occupied	$	—			$	—			$	—			$	—			$	—

	CRE – non-owner occupied	—				—				—				—				—

	Commercial and industrial	—				—				—				13				13

	Residential real estate	135				—				—				—				135

	Construction and land development	—				—				—				—				—

	Government guaranteed	—				—				—				—				—

	Consumer	—				12				—				—				12

	Total	$	135			$	12			$	—			$	13			$	160

Credit quality of loans by class	'
	As of September 30, 2013, and based on the most recent analysis performed during the month of September 2013, the recorded investment in each risk category of loans by class of loan is as follows:



	($ in thousands)	Credit Quality of Loans by Class as of September 30, 2013
		Pass				Special Mention				Substandard				Doubtful				Total
	CRE – owner occupied	$	19,182			$	182			$	2,270			$	—			$	21,634

	CRE – non-owner occupied	16,233				841				—				—				17,074

	Commercial and industrial	8,981				350				170				—				9,501

	Residential real estate	19,832				—				798				—				20,630

	Construction and land development	1,012				—				—				—				1,012

	Government guaranteed	2,689				—				—				—				2,689

	Consumer	55				—				—				—				55

	Total	$	67,984			$	1,373			$	3,238			$	—			$	72,595


	As of December 31, 2012, and based on the most recent analysis performed during the month of December 2012, the recorded investment in each risk category of loans by class of loan is as follows:



	($ in thousands)	Credit Quality of Loans by Class as of December 31, 2012
		Pass				Special Mention				Substandard				Doubtful				Total
	CRE – owner occupied	$	10,628			$	1,008			$	1,908			$	—			$	13,544

	CRE – non-owner occupied	18,343				1,090				1,029				—				20,462

	Commercial and industrial	5,973				170				13				—				6,156

	Residential real estate	14,567				135				813				—				15,515

	Construction and land development	195				—				791				—				986

	Government guaranteed	2,919				—				—				—				2,919

	Consumer	38				12				—				—				50

	Total	$	52,663			$	2,415			$	4,554			$	—			$	59,632

Loans_Held_for_Sale_and_Intere1

Loans Held for Sale and Interest Rate Lock Commitments (Tables)	9 Months Ended
	Sep. 30, 2013
Loans Held For Sale And Interest Rate Lock Commitments [Abstract]	'
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value	'
	The table below identifies the balance sheet category and fair values of the Bank's derivative instruments not designated as hedging instruments at September 30, 2013. Management has concluded that no material derivative instruments existed as of December 31, 2012.


	($ in thousands)	Notional Amount		Fair Value		Balance Sheet Category
	September 30, 2013
	Interest rate lock commitments (mortgage)	$	16,420	$	136	Other assets

Deposits_Tables

Deposits (Tables)	9 Months Ended
	Sep. 30, 2013
Deposits [Abstract]	'
Schedule Of Deposits	'
	Deposits are summarized as follows:



	($ in thousands)	September 30, 2013				December 31, 2012
		Amount		% of Total		Amount		% of Total
	Noninterest-bearing demand	$	4,742	4	%	$	3,387	3	%

	Interest-bearing demand	9,562		7	%	8,218		7	%

	Money market accounts	14,856		12	%	10,511		8	%

	Savings accounts	37,573		29	%	44,847		36	%

	Time deposits, less than $100,000	4,501		4	%	4,559		3	%

	Time deposits, $100,000 or more	56,138		44	%	53,210		43	%

	Total deposits	$	127,372	100	%	$	124,732	100	%

StockBased_Compensation_Tables

Stock-Based Compensation (Tables)	9 Months Ended
	Sep. 30, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]	'
Stock option activity during the period	'
	The following is a summary of the Company’s outstanding stock options and related activity for the nine months ended September 30, 2013:



		Options		Weighted-Average Grant Date Fair Value		Weighted-Average Exercise Price
	Outstanding at December 31, 2012	523,500		$	1.65	$	6.72

	Granted	164,750		1.42		5.84

	Exercised	(14,719	)	0.67		3.45

	Forfeited	(30,854	)	1.02		4.64

	Expired	(11,979	)	2.25		8.5

	Outstanding at September 30, 2013	630,698		$	1.64	$	6.63


	The following is a summary of the Company’s outstanding stock options and related activity for the nine months ended September 30, 2012:


		Options		Weighted-Average Grant Date Fair Value		Weighted-Average Exercise Price
	Outstanding at December 31, 2011	400,312		$	1.93	$	7.61

	Granted	93,250		0.63		3.38

	Exercised	—		—		—

	Forfeited	(4,948	)	0.6		3.15

	Expired	(7,344	)	1.79		7.95

	Outstanding at September 30, 2012	481,270		$	1.69	$	6.84

Noninterest_Expense_Tables

Noninterest Expense (Tables)	9 Months Ended
	Sep. 30, 2013
Noninterest Expense [Abstract]	'
Composition of general and administrative expenses	'



	($ in thousands)	Three Months Ended September 30,				Nine Months Ended September 30,
		2013		2012		2013		2012
	Other general and administrative expenses:

	Data processing	$	148	$	83	$	452	$	242

	Other loan expenses	82		11		244		63

	Marketing and promotions	54		46		154		94

	Regulatory and reporting fees	32		30		101		103

	FDIC assessment	24		33		89		129

	Directors’ fees	35		27		84		69

	Telephone/communication	29		12		81		36

	Travel and entertainment	23		12		77		35

	Printing, stationery and supplies	17		8		62		21

	Training, education and conferences	9		2		47		7

	OREO expense	20		11		44		44

	Insurance	14		12		40		36

	Dues and memberships	13		10		36		25

	Postage and shipping	9		3		25		10

	Core deposit intangible amortization	17		—		22		—

	ATM and debit card fees	8		4		17		12

	Franchise taxes	4		3		8		8

	Operating losses / legal settlements	139		127		159		137

	Miscellaneous other	3		4		9		13

	Total	$	680	$	438	$	1,751	$	1,084

Fair_Value_Tables

Fair Value (Tables)	9 Months Ended
	Sep. 30, 2013
Fair Value Disclosures [Abstract]	'
Assets and Liabilities Measured on a Recurring Basis	'
	Assets and liabilities measured at fair value on a recurring basis are summarized below:



	($ in thousands)	Quoted Prices in Active Markets for Identical Assets			Significant Other Observable Inputs			Significant Unobservable Inputs			Total
		(Level 1)			(Level 2)			(Level 3)
	Assets at September 30, 2013
	Investment securities, available-for-sale:
	Corporate	$	—		$	14,112		$	—		$	14,112

	State and municipal	—			18,523			—			18,523

	Residential agency MBS/CMOs	—			45,013			—			45,013

	Loans held for sale	—			9,672			—			9,672

	Interest rate lock commitments	—			136			—			136

	Total	$	—		$	87,456		$	—		$	87,456

	Assets at December 31, 2012

	Investment securities, available-for-sale:

	Corporate	$	—		$	14,450		$	—		$	14,450

	State and municipal	—			22,117			—			22,117

	Residential agency MBS/CMOs	—			48,143			—			48,143

	Loans held for sale	—			180			—			180

	Total	$	—		$	84,890		$	—		$	84,890

Assets and Liabilities Measured on a Nonrecurring Basis	'
	Assets and liabilities measured at fair value on a nonrecurring basis are summarized below:



	($ in thousands)	Quoted Prices in Active Markets for Identical Assets			Significant Other Observable Inputs			Significant Unobservable Inputs			Total
		(Level 1)			(Level 2)			(Level 3)
	Assets at September 30, 2013
	Impaired loans (Financial)	$	—		$	—		$	—		$	—

	Other real estate owned (Non-financial)	$	—		$	—		$	2,300		$	2,300

	Assets at December 31, 2012

	Impaired loans (Financial)	$	—		$	—		$	—		$	—

	Other real estate owned (Non-financial)	$	—		$	—		$	1,989		$	1,989

Valuation process for Level 3 hierarchy	'
	The following table provides information describing the valuation process used to determine recurring and nonrecurring fair value measurements categorized within Level 3 of the fair value hierarchy:



	Asset Type		Valuation Method	Unobservable Inputs		Range

	Impaired Loans		Property appraisals	Management discount for property type and/or recent market volatility		0% - 20% discount

			Discounted cash flow	Estimated loss probability based on management’s knowledge of client or client’s business		0% - 50% discount

	OREO		Property appraisals	Management discount for property type, recent market volatility, and/or management’s knowledge of the property		0% - 20% discount
Estimated fair values of financial instruments	'
	The carrying amounts and estimated fair values of financial instruments are summarized as follows:



	($ in thousands)	Carrying			Fair Value Measurements at September 30, 2013
	Financial Assets:	Value			Level 1			Level 2			Level 3			Total
	Cash and cash equivalents	$	1,822		$	1,822		$	—		$	—		$	1,822

	Interest-bearing deposits with banks	257			—			271			—			271

	Investment securities	77,648			—			77,648			—			77,648

	Loans, net	71,541			—			—			73,147			73,147

	Loans held for sale	9,672			—			9,672			—			9,672

	FHLB and FRB stocks	2,350			—			—			NA			NA

	Bank-owned life insurance	4,277			—			—			4,277			4,277

	Accrued interest receivable	679			—			475			204			679

	Interest rate lock commitments	136			—			136			—			136

	Financial Liabilities:

	Deposits, demand, savings and money market	$	66,733		$	—		$	66,733		$	—		$	66,733

	Time deposits	60,639			—			61,273			—			61,273

	Securities sold under agreements to repurchase	54			—			54			—			54

	FHLB advances	25,447			—			25,598			—			25,598

	Accrued interest payable	78			—			78			—			78




	($ in thousands)	Carrying			Fair Value Measurements at December 31, 2012
	Financial Assets:	Value			Level 1			Level 2			Level 3			Total
	Cash and cash equivalents	$	2,738		$	2,738		$	—		$	—		$	2,738

	Interest-bearing deposits with banks	257			—			273			—			273

	Investment securities	84,710			—			84,710			—			84,710

	Loans, net	58,744			—			—			58,785			58,785

	Loans held for sale	180			—			180			—			180

	FHLB and FRB stocks	1,189			—			—			NA			NA

	Bank-owned life insurance	2,067			—			—			2,067			2,067

	Accrued interest receivable	707			—			537			170			707

	Financial Liabilities:

	Deposits, demand, savings and money market	$	66,963		$	—		$	66,963		$	—		$	66,963

	Time deposits	57,769			—			58,671			—			58,671

Securities sold under agreements to repurchase	54			—			54			—			54

FHLB advances	8,500			—			8,722			—			8,722

Accrued interest payable	56			—			56			—			56

Segment_Reporting_Tables

Segment Reporting (Tables)	9 Months Ended
	Sep. 30, 2013
Segment Reporting Information [Line Items]	'
Schedule of Segment Reporting Information, by Segment	'
	The following table presents the financial information from the Bank's two operating segments for the three and nine months ended September 30, 2013.

	There were no results presented for the period ended December 31, 2012, as the residential mortgage division was established late in the fourth quarter of 2012 and results of operations for the division were not deemed to be material for that period.



	($ in thousands)	Community Banking			Residential Mortgage Banking			Total
	Three Months Ended September 30, 2013
	Net interest income	$	1,134		$	68		$	1,202

	Provision for loan and lease losses	—			—			—

	Total noninterest income	120			1,563			1,683

	Total noninterest expense	1,700			1,823			3,523

	(Loss) before income taxes	$	(446	)	$	(192	)	$	(638	)

	Nine Months Ended September 30, 2013
	Net interest income	$	3,227		$	149		$	3,376

	Provision for loan and lease losses	—			—			—

	Total noninterest income	573			5,464			6,037

	Total noninterest expense	4,149			5,282			9,431

	(Loss) / income before income taxes	$	(349	)	$	331		$	(18	)


	Segment Assets
	September 30, 2013	$	156,233		$	16,064		$	172,297


	Average Loans
	QTD	$	66,725		$	13,445		$	80,170

	YTD	$	65,141		$	13,306		$	78,447

Basis_of_Presentation_Details

Basis of Presentation - (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Line Items]	'	'	'	'
Net income / (loss)	($638)	$74	($18)	$168
Weighted-average common shares outstanding - basic (shares)	2,568,708	2,553,671	2,566,460	2,553,671
(Loss) earnings per share - basic (In dollars per share)	($0.25)	$0.03	($0.01)	$0.07
Weighted-average common shares outstanding - diluted (shares)	2,568,708	2,565,105	2,566,460	2,559,020
(Loss) earnings per share - diluted (In dollars per share)	($0.25)	$0.03	($0.01)	$0.07
Stock Options [Member]	'	'	'	'
Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Line Items]	'	'	'	'
Dilutive shares	0	11,434	0	5,349
Restricted Stock [Member]	'	'	'	'
Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Line Items]	'	'	'	'
Dilutive shares	0	0	0	0

Basis_of_Presentation_Narrativ

Basis of Presentation - Narrative (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Organization, Consolidation and Presentation of Financial Statements [Abstract]	'	'	'	'	'
Loss contingency loss rate - lower range (percent)	'	'	2.50%	'	'
Loss contingency loss rate - upper range (percent)	'	'	15.65%	'	'
Allowance for loan and lease losses	$1,101	'	$1,101	'	$1,063
Number of days past due for loan nonaccrual status	'	'	'90 days	'	'
Number of days loans past due, general	'	'	'30 days	'	'
Number of days to fund residential mortgage loans under interest rate lock commitments	'	'	'60 days	'	'
Anti-dilutive options, number	129,000	311,000	70,000	253,000	'
Number of operating segments	'	'	2	'	'

Investments_Amortized_Cost_and

Investments - Amortized Cost and Estimated Fair Value of Investment Securities (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized Cost	$78,533	$83,642
Gross Unrealized Gains	598	1,439
Gross Unrealized Losses	-1,483	-371
Investment securities, available-for-sale	77,648	84,710
Corporate Debt Securities [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized Cost	14,337	14,148
Gross Unrealized Gains	142	457
Gross Unrealized Losses	-367	-155
Investment securities, available-for-sale	14,112	14,450
State and Municipal [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized Cost	19,207	21,752
Gross Unrealized Gains	85	412
Gross Unrealized Losses	-769	-47
Investment securities, available-for-sale	18,523	22,117
Residential agency MBS and CMOs [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized Cost	44,989	47,742
Gross Unrealized Gains	371	570
Gross Unrealized Losses	-347	-169
Investment securities, available-for-sale	$45,013	$48,143

Investments_Contractual_Maturi

Investments - Contractual Maturities of Investment Securities (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Securities available-for-sale:	'	'
Due within one year, amortized cost	$0	$1,003
Due after one year through five years, amortized cost	7,048	6,180
Due after five years through ten years, amortized cost	25,578	22,869
Due after ten years, amortized cost	45,907	53,590
Total securities available-for-sale, amortized cost	78,533	83,642
Due within one year, fair value	0	1,023
Due after one year through five years, fair value	7,171	6,455
Due after five years through ten years, fair value	24,691	23,242
Due after ten years, fair value	45,786	53,990
Investment securities, available-for-sale	$77,648	$84,710

Investments_Securities_in_a_Co

Investments - Securities in a Continuous Loss Position (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
	securities	securities
Securities Estimated Fair Value	'	'
Estimated Fair Value, Less than 12 months	$37,998	$23,215
Estimated Fair Value, 12 months or more	10,220	4,487
Total Estimated Fair Value	48,218	27,702
Securities Unrealized Losses	'	'
Unrealized Loss, Less than 12 months	-1,325	-219
Unrealized Loss, 12 months or more	-158	-152
Total Unrealized Losses	-1,483	-371
Number of Securities	'	'
Number of Securities, Less than 12 months	64	27
Number of Securities, 12 months or more	15	8
Total Number of Securities	79	35
Corporate Debt Securities [Member]	'	'
Securities Estimated Fair Value	'	'
Estimated Fair Value, Less than 12 months	6,878	1,436
Estimated Fair Value, 12 months or more	2,467	3,353
Total Estimated Fair Value	9,345	4,789
Securities Unrealized Losses	'	'
Unrealized Loss, Less than 12 months	-334	-8
Unrealized Loss, 12 months or more	-33	-147
Total Unrealized Losses	-367	-155
Number of Securities	'	'
Number of Securities, Less than 12 months	13	2
Number of Securities, 12 months or more	4	6
Total Number of Securities	17	8
State and Municipal [Member]	'	'
Securities Estimated Fair Value	'	'
Estimated Fair Value, Less than 12 months	14,985	4,512
Estimated Fair Value, 12 months or more	468	0
Total Estimated Fair Value	15,453	4,512
Securities Unrealized Losses	'	'
Unrealized Loss, Less than 12 months	-733	-47
Unrealized Loss, 12 months or more	-36	0
Total Unrealized Losses	-769	-47
Number of Securities	'	'
Number of Securities, Less than 12 months	32	9
Number of Securities, 12 months or more	1	0
Total Number of Securities	33	9
Residential agency MBS and CMOs [Member]	'	'
Securities Estimated Fair Value	'	'
Estimated Fair Value, Less than 12 months	16,135	17,267
Estimated Fair Value, 12 months or more	7,285	1,134
Total Estimated Fair Value	23,420	18,401
Securities Unrealized Losses	'	'
Unrealized Loss, Less than 12 months	-258	-164
Unrealized Loss, 12 months or more	-89	-5
Total Unrealized Losses	($347)	($169)
Number of Securities	'	'
Number of Securities, Less than 12 months	19	16
Number of Securities, 12 months or more	10	2
Total Number of Securities	29	18

Investments_Proceeds_from_Sale

Investments - Proceeds from Sales of Available-for-sale Securities (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Investments, Debt and Equity Securities [Abstract]	'	'	'	'
Proceeds	$2,325	$12,384	$15,173	$31,828
Gross Gains	49	300	301	580
Gross Losses	$0	($11)	($7)	($11)

Investments_Narrative_Details

Investments - Narrative (Details) (USD $)	9 Months Ended		12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
	securities	Sep. 30, 2012	securities
Investments, Debt and Equity Securities [Abstract]	'	'	'
Other than Temporary Impairment Losses, Investments	$0	'	'
Number of securities in a continuous loss position, 12 months or more	15	'	8
Proceeds from the maturity/prepayment of investment securities	12,453,000	10,711,000	'
Available-for-sale securities due within one year	0	'	1,023,000
Available-for-sale Securities, Net Unrealized Gain (Loss)	-885,000	'	1,068,000
Change in net unrealized gain/loss in the investment portfolio	-1,953,000	723,000	'
Carrying values of securities pledged as collateral	$29,200,000	'	$25,500,000
Corporate Debt Securities [Member]	'	'	'
Investments, Debt and Equity Securities [Abstract]	'	'	'
Number of securities in a continuous loss position, 12 months or more	4	'	6
State and Municipal [Member]	'	'	'
Investments, Debt and Equity Securities [Abstract]	'	'	'
Number of securities in a continuous loss position, 12 months or more	1	'	0
Residential agency MBS and CMOs [Member]	'	'	'
Investments, Debt and Equity Securities [Abstract]	'	'	'
Number of securities in a continuous loss position, 12 months or more	10	'	2

Loans_Loan_Portfolio_Details

Loans - Loan Portfolio (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Loans and Leases Receivable Disclosure [Abstract]	'	'
Commercial real estate ('CRE')	$45,462	$38,230
Commercial and industrial	9,870	9,383
Residential real estate	14,100	10,608
Construction and land development	1,012	791
Consumer	2,151	620
Gross loans	72,595	59,632
Net deferred loan expenses / (fees)	47	175
Allowance for loan and lease losses	-1,101	-1,063
NET LOANS	$71,541	$58,744

Loans_Narrative_Details

Loans - Narrative (Details) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
	loan	loan	loan	loan	Dec. 31, 2012
Loans and Leases Receivable Disclosure [Abstract]	'	'	'	'	'
Number of purchased loans (loans)	1	4	4	14	'
Principal balances of purchased loans	$188,000	$2,200,000	$413,000	$4,500,000	'
Number of guaranteed portion of SBA 7(a) loans sold during the period (loans)	1	0	3	1	'
Guaranteed portion of SBA 7(a) loans sold during the period, amount	22,000	'	1,500,000	'	'
Gain on sale of guaranteed portion of SBA 7A note	1,000	'	145,000	25,000	'
Recognized Income from sale of guaranteed loans	1,000	'	112,000	'	'
Loans receivable from related parties	147,000	'	147,000	'	163,000
Legal lending limit to a single borrower	$2,700,000	'	$2,700,000	'	'

Allowance_for_Loan_and_Lease_L2

Allowance for Loan and Lease Losses - Allowance Activity for Loan and Lease Losses (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Allowance for Loan and Lease Losses [Roll Forward]	'	'	'	'
Balance, beginning of period	$1,088	$1,009	$1,063	$1,067
Charge-offs	0	0	-7	-88
Recoveries	13	24	45	54
Provision for loan and lease losses	0	0	0	0
Balance, end of period	$1,101	$1,033	$1,101	$1,033

Allowance_for_Loan_and_Lease_L3

Allowance for Loan and Lease Losses - Rollforward of Allowance for Loan and Lease Losses (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Allowance for Loan and Lease Losses [Roll Forward]	'	'	'	'
Balance, beginning of period	$1,088	$1,009	$1,063	$1,067
Charge-offs	0	0	-7	-88
Recoveries	13	24	45	54
Provision for loan and lease losses	0	0	0	0
Balance, end of period	1,101	1,033	1,101	1,033
Commercial Real Estate Secured	'	'	'	'
Allowance for Loan and Lease Losses [Roll Forward]	'	'	'	'
Balance, beginning of period	674	665	784	726
Charge-offs	0	0	-7	0
Recoveries	0	0	0	0
Provision for loan and lease losses	-19	32	-122	-29
Balance, end of period	655	697	655	697
Residential Real Estate Secured	'	'	'	'
Allowance for Loan and Lease Losses [Roll Forward]	'	'	'	'
Balance, beginning of period	308	247	222	244
Charge-offs	0	0	0	0
Recoveries	12	14	40	44
Provision for loan and lease losses	-18	-27	40	-54
Balance, end of period	302	234	302	234
Commercial and Industrial	'	'	'	'
Allowance for Loan and Lease Losses [Roll Forward]	'	'	'	'
Balance, beginning of period	105	96	57	97
Charge-offs	0	0	0	-85
Recoveries	1	10	5	10
Provision for loan and lease losses	38	-5	82	79
Balance, end of period	144	101	144	101
Consumer	'	'	'	'
Allowance for Loan and Lease Losses [Roll Forward]	'	'	'	'
Balance, beginning of period	1	1	0	0
Charge-offs	0	0	0	-3
Recoveries	0	0	0	0
Provision for loan and lease losses	-1	0	0	4
Balance, end of period	$0	$1	$0	$1

Allowance_for_Loan_and_Lease_L4

Allowance for Loan and Lease Losses - Ending Balances in Loans and Allowance (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Loans [Abstract]	'	'
Individually evaluated for impairment	$0	$13
Collectively evaluated for impairment	72,595	59,619
Gross loans	72,595	59,632
Allowance for loan losses [Abstract]	'	'
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	1,101	1,063
Total	1,101	1,063
Commercial Real Estate Secured	'	'
Loans [Abstract]	'	'
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	38,708	34,634
Gross loans	38,708	34,634
Allowance for loan losses [Abstract]	'	'
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	655	784
Total	655	784
Residential Real Estate Secured	'	'
Loans [Abstract]	'	'
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	21,642	15,873
Gross loans	21,642	15,873
Allowance for loan losses [Abstract]	'	'
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	302	222
Total	302	222
Commercial and Industrial	'	'
Loans [Abstract]	'	'
Individually evaluated for impairment	0	13
Collectively evaluated for impairment	12,190	9,062
Gross loans	12,190	9,075
Allowance for loan losses [Abstract]	'	'
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	144	57
Total	144	57
Consumer	'	'
Loans [Abstract]	'	'
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	55	50
Gross loans	55	50
Allowance for loan losses [Abstract]	'	'
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	0	0
Total	$0	$0

Allowance_for_Loan_and_Lease_L5

Allowance for Loan and Lease Losses - Reconciliation between Portfolio Segment and Class (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
CRE - owner occupied	$21,634	$13,544
CRE - non-owner occupied	17,074	20,462
Commercial and industrial	9,501	6,156
Residential real estate	20,630	15,515
Construction and land development	1,012	986
Government Guaranteed Loans	2,689	2,919
Consumer	55	50
Gross loans	72,595	59,632
Commercial Real Estate Secured	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
CRE - owner occupied	21,634	13,544
CRE - non-owner occupied	17,074	20,462
Commercial and industrial	0	0
Residential real estate	0	0
Construction and land development	0	628
Government Guaranteed Loans	0	0
Consumer	0	0
Gross loans	38,708	34,634
Residential Real Estate Secured	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
CRE - owner occupied	0	0
CRE - non-owner occupied	0	0
Commercial and industrial	0	0
Residential real estate	20,630	15,515
Construction and land development	1,012	358
Government Guaranteed Loans	0	0
Consumer	0	0
Gross loans	21,642	15,873
Commercial and Industrial	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
CRE - owner occupied	0	0
CRE - non-owner occupied	0	0
Commercial and industrial	9,501	6,156
Residential real estate	0	0
Construction and land development	0	0
Government Guaranteed Loans	2,689	2,919
Consumer	0	0
Gross loans	12,190	9,075
Consumer	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
CRE - owner occupied	0	0
CRE - non-owner occupied	0	0
Commercial and industrial	0	0
Residential real estate	0	0
Construction and land development	0	0
Government Guaranteed Loans	0	0
Consumer	55	50
Gross loans	$55	$50

Allowance_for_Loan_and_Lease_L6

Allowance for Loan and Lease Losses - Impaired Loans by Class (Details) (USD $)	9 Months Ended	12 Months Ended
	Sep. 30, 2013	Dec. 31, 2012
Financing Receivable, Impaired [Line Items]	'	'
Recorded investment with no related allowance recorded	$0	$13,000
Unpaid principal balance with no related allowance recorded	0	13,000
Related allowance on investment	0	0
Average recorded investment YTD with no related allowance recorded	0	58,000
Interest income recognized YTD on investments with no related allowance recorded	0	2,000
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	0	0
CRE-Owner Occupied [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded investment with no related allowance recorded	0	0
Unpaid principal balance with no related allowance recorded	0	0
Related allowance on investment	0	0
Average recorded investment YTD with no related allowance recorded	0	0
Interest income recognized YTD on investments with no related allowance recorded	0	0
CRE - non-owner occupied [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded investment with no related allowance recorded	0	0
Unpaid principal balance with no related allowance recorded	0	0
Related allowance on investment	0	0
Average recorded investment YTD with no related allowance recorded	0	0
Interest income recognized YTD on investments with no related allowance recorded	0	0
Commercial and Industrial [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded investment with no related allowance recorded	0	13,000
Unpaid principal balance with no related allowance recorded	0	13,000
Related allowance on investment	0	0
Average recorded investment YTD with no related allowance recorded	0	58,000
Interest income recognized YTD on investments with no related allowance recorded	0	2,000
Residential real estate [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded investment with no related allowance recorded	0	0
Unpaid principal balance with no related allowance recorded	0	0
Related allowance on investment	0	0
Average recorded investment YTD with no related allowance recorded	0	0
Interest income recognized YTD on investments with no related allowance recorded	0	0
Construction and Land Development [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded investment with no related allowance recorded	0	0
Unpaid principal balance with no related allowance recorded	0	0
Related allowance on investment	0	0
Average recorded investment YTD with no related allowance recorded	0	0
Interest income recognized YTD on investments with no related allowance recorded	0	0
Government Guaranteed [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded investment with no related allowance recorded	0	0
Unpaid principal balance with no related allowance recorded	0	0
Related allowance on investment	0	0
Average recorded investment YTD with no related allowance recorded	0	0
Interest income recognized YTD on investments with no related allowance recorded	0	0
Consumer [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded investment with no related allowance recorded	0	0
Unpaid principal balance with no related allowance recorded	0	0
Related allowance on investment	0	0
Average recorded investment YTD with no related allowance recorded	0	0
Interest income recognized YTD on investments with no related allowance recorded	$0	$0

Allowance_for_Loan_and_Lease_L7

Allowance for Loan and Lease Losses - Age Analysis of Loans by Class (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-59 Days Past Due	$250	$135
60-89 Days Past Due	550	12
Past Due 90 Days or More and Still Accruing	0	0
Nonaccrual	0	13
Total Past Due and Nonaccrual	800	160
CRE-Owner Occupied [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-59 Days Past Due	250	0
60-89 Days Past Due	0	0
Past Due 90 Days or More and Still Accruing	0	0
Nonaccrual	0	0
Total Past Due and Nonaccrual	250	0
CRE - non-owner occupied [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
Past Due 90 Days or More and Still Accruing	0	0
Nonaccrual	0	0
Total Past Due and Nonaccrual	0	0
Commercial and Industrial [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
Past Due 90 Days or More and Still Accruing	0	0
Nonaccrual	0	13
Total Past Due and Nonaccrual	0	13
Residential real estate [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-59 Days Past Due	0	135
60-89 Days Past Due	550	0
Past Due 90 Days or More and Still Accruing	0	0
Nonaccrual	0	0
Total Past Due and Nonaccrual	550	135
Construction and Land Development [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
Past Due 90 Days or More and Still Accruing	0	0
Nonaccrual	0	0
Total Past Due and Nonaccrual	0	0
Government Guaranteed [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
Past Due 90 Days or More and Still Accruing	0	0
Nonaccrual	0	0
Total Past Due and Nonaccrual	0	0
Consumer [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-59 Days Past Due	0	0
60-89 Days Past Due	0	12
Past Due 90 Days or More and Still Accruing	0	0
Nonaccrual	0	0
Total Past Due and Nonaccrual	$0	$12

Allowance_for_Loan_and_Lease_L8

Allowance for Loan and Lease Losses - Credit Quality of Loans by Class (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Financing Receivable, Recorded Investment [Line Items]	'	'
CRE - owner occupied	$21,634	$13,544
CRE - non-owner occupied	17,074	20,462
Commercial and industrial	9,501	6,156
Residential real estate	20,630	15,515
Construction and land development	1,012	986
Government Guaranteed Loans	2,689	2,919
Consumer	55	50
Gross loans	72,595	59,632
Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
CRE - owner occupied	19,182	10,628
CRE - non-owner occupied	16,233	18,343
Commercial and industrial	8,981	5,973
Residential real estate	19,832	14,567
Construction and land development	1,012	195
Government Guaranteed Loans	2,689	2,919
Consumer	55	38
Gross loans	67,984	52,663
Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
CRE - owner occupied	182	1,008
CRE - non-owner occupied	841	1,090
Commercial and industrial	350	170
Residential real estate	0	135
Construction and land development	0	0
Government Guaranteed Loans	0	0
Consumer	0	12
Gross loans	1,373	2,415
Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
CRE - owner occupied	2,270	1,908
CRE - non-owner occupied	0	1,029
Commercial and industrial	170	13
Residential real estate	798	813
Construction and land development	0	791
Government Guaranteed Loans	0	0
Consumer	0	0
Gross loans	3,238	4,554
Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
CRE - owner occupied	0	0
CRE - non-owner occupied	0	0
Commercial and industrial	0	0
Residential real estate	0	0
Construction and land development	0	0
Government Guaranteed Loans	0	0
Consumer	0	0
Gross loans	$0	$0

Allowance_for_Loan_and_Lease_L9

Allowance for Loan and Lease Losses - Narrative (Details) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
	loan	loan	loan	loan	loan
Loans and Leases Receivable, Allowance [Abstract]	'	'	'	'	'
Total number of impaired loans	0	'	0	'	1
Recorded investment with no related allowance recorded	$0	'	$0	'	$13,000
Number of loans modified as TDRs	0	0	0	0	'
Impaired loans with related allowance	$0	'	$0	'	$0
Loans restructured as TDRs during last twelve months	0	'	0	'	'

Loans_Held_for_Sale_and_Intere2

Loans Held for Sale and Interest Rate Lock Commitments (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Notional amount of interest rate lock commitments (mortgage)	$16,420	'
Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Interest rate lock commitments (mortgage)	136	'
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Interest rate lock commitments (mortgage)	$136	$0

Loans_Held_for_Sale_and_Intere3

Loans Held for Sale and Interest Rate Lock Commitments Narrative (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Loans held for sale	$9,672	$180
Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Interest rate lock commitments (mortgage)	136	'
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Interest rate lock commitments (mortgage)	$136	$0

Bankowned_Life_Insurance_Narra

Bank-owned Life Insurance - Narrative (Details) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Bank-Owned Life Insurance Details Narrative	'	'
Payments to acquire life insurance policies	$2,000	$2,000

Deposits_Schedule_of_Deposits_

Deposits - Schedule of Deposits (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Deposits [Abstract]	'	'
Noninterest-bearing demand	$4,742	$3,387
Interest-bearing demand	9,562	8,218
Money market accounts	14,856	10,511
Savings accounts	37,573	44,847
Time deposits, less than $100,000	4,501	4,559
Time Deposits, $100,000 or More	56,138	53,210
TOTAL DEPOSITS	$127,372	$124,732
Noninterest-bearing demand, Percent of Total	4.00%	3.00%
Interest-bearing demand, Percent of Total	7.00%	7.00%
Money market accounts, Percent of Total	12.00%	8.00%
Savings accounts, Percent of Total	29.00%	36.00%
Time deposits, less than $100,000, Percent of Total	4.00%	3.00%
Time deposits, $100,000 or more, Percent of Total	44.00%	43.00%
TOTAL DEPOSITS, Percent of Total	100.00%	100.00%

Deposits_Narrative_Details

Deposits - Narrative (Details) (USD $)	9 Months Ended
Deposits - Narrative (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Deposits [Abstract]	'	'
Related party deposits	$3,100,000	$3,145,000
Customer deposits acquired	6,000,000	'
Deposit premium of customer deposits assumed	5.85%	'
Deposit premium, useful life	'7 years	'
Core deposit intangible	$445,000	'

FHLB_Advances_Narrative_Detail

FHLB Advances Narrative (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Federal Home Loan Banks [Abstract]	'	'
FHLB maximum authorized borrowing capacity as percent of total assets (Percent)	40.00%	'
Fixed-rate advances by Federal Home Loan Bank	$7,500,000	$8,500,000
Federal Home Loan Bank, Fixed-rate advances, Branch of FHLB Bank, Due Date, Earliest	'2014	'2013
Federal Home Loan Bank, Fixed-rate advances, Branch of FHLB Bank, Due Date, Last	'2017	'2017
Federal Home Loan Bank, Fixed-rate advances, Branch of FHLB Bank, Weighted Average Interest Rate	1.72%	1.57%
Variable-rate advances by Federal Home Loan Bank	$17,900,000	$0
Federal Home Loan Bank, Variable-rate advances, Branch of FHLB Bank, Interest Rate	0.18%	'

StockBased_Compensation_Outsta

Stock-Based Compensation - Outstanding Stock Options and Related Activity (Details) (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]	'	'
Number of Options Outstanding, Beginning	523,500	400,312
Number of Options Granted	164,750	93,250
Number of Options Exercised	-14,719	0
Number of Options Forfeited	-30,854	-4,948
Number of Options Expired	-11,979	-7,344
Number of Options Outstanding, Ending	630,698	481,270
Weighted-Average Grant Date Fair Value, Beginning	$1.65	$1.93
Weighted Average Grant Date Fair Value Granted	$1.42	$0.63
Weighted Average Grant Date Fair Value Exercised	$0.67	$0
Weighted Average Grant Date Fair Value Forfeited	$1.02	$0.60
Weighted Average Grant Date Fair Value Expired	$2.25	$1.79
Weighted-Average Grant Date Fair Value, Ending	$1.64	$1.69
Weighted Average Exercise Price Outstanding, Beginning	$6.72	$7.61
Weighted Average Exercise Price Granted	$5.84	$3.38
Weighted Average Exercise Price Exercised	$3.45	$0
Weighted Average Exercise Price Forfeited	$4.64	$3.15
Weighted Average Exercise Price Expired	$8.50	$7.95
Weighted Average Exercise Price Outstanding, Ending	$6.63	$6.84

StockBased_Compensation_Narrat

Stock-Based Compensation - Narrative (Details) (USD $)	3 Months Ended		9 Months Ended			9 Months Ended	3 Months Ended	9 Months Ended	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2013	Sep. 30, 2013	Sep. 30, 2013	Dec. 31, 2012
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Company's 2012 Long-Term Incentive Plan [Member]	Company's 2007 Stock Incentive Plan [Member]	Restricted Stock [Member]	Restricted Stock [Member]	Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'	'	'	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized (shares)	'	'	'	'	250,000	510,734	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Shares Available for Grant (shares)	'	'	'	'	69,000	22,000	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Purchase Price of Common Stock, Percent	'	'	'	'	'	100.00%	'	'	'
Stock Options Expiration Date	'	'	'	'	'	'10 years	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	'	'	'	'	'	'4 years	'	'48 months	'
Stock-Based Compensation Cost	$38,000	$19,000	$77,000	$38,000	'	'	$100,000	$160,000	'
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding (number)	17,700	13,000	'	'	'	'	'	'	'
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized, Stock Options	228,000	'	228,000	'	'	'	'	'	'
Unrecognized compensation, weighted-average period for recognition	'	'	'2 years 3 months 18 days	'	'	'	'	'2 years 1 month 6 days	'
Stock Issued During Period, Shares, Restricted Stock Award, Gross (shares)	'	'	'	'	'	'	'	10,000	50,000
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value	'	'	'	'	'	'	'	$7.15	$4.80
Share-based Compensation Arrangement by Share-based Payment Award, Accelerated Vesting, Number	'	'	'	'	'	'	'	25,000	'
Share-based Compensation Arrangement by Share-based Payment Award Accelerated Compensation Cost	'	'	'	'	'	'	'	70,000	'
Additional Performance Based Stock Issued During Period, Shares, Restricted Stock Award, Gross (shares)	'	'	'	'	'	'	'	'	50,000
Maximum number of performance based restricted shares that vest annually, December 31, 2014 (shares)	'	'	'	'	'	'	'	'	10,000
Maximum number of performance based restricted shares that vest annually, December 31, 2015 (shares)	'	'	'	'	'	'	'	'	10,000
Maximum number of performance based restricted shares that vest annually, December 31, 2016 (shares)	'	'	'	'	'	'	'	'	10,000
Maximum number of performance based restricted shares that vest annually, December 31, 2017 (shares)	'	'	'	'	'	'	'	'	10,000
Maximum number of performance based restricted shares that vest annually, December 31, 2018 (shares)	'	'	'	'	'	'	'	'	10,000
Number of Restricted Shares that Vest Annually, End of Year One	'	'	'	'	'	'	'	2,000	'
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized	'	'	'	'	'	'	$142,000	$142,000	'
Shares, Outstanding (shares)	'	'	'	'	'	'	110,000	110,000	'

Noninterest_Expense_General_an

Noninterest Expense - General and Administrative Expense (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Noninterest Expense [Abstract]	'	'	'	'
Data processing	$148	$83	$452	$242
Other loan expenses	82	11	244	63
Marketing and promotions	54	46	154	94
Regulatory and reporting fees	32	30	101	103
FDIC assessment	24	33	89	129
Directors' fees	35	27	84	69
Telephone/communication	29	12	81	36
Travel and entertainment	23	12	77	35
Printing, stationery and supplies	17	8	62	21
Training, education and conferences	9	2	47	7
OREO expense	20	11	44	44
Insurance	14	12	40	36
Dues and memberships	13	10	36	25
Postage and shipping	9	3	25	10
Core deposit intangible amortization	17	0	22	0
ATM and debit card fees	8	4	17	12
Franchise taxes	4	3	8	8
Operating losses/legal settlements	139	127	159	137
Miscellaneous other	3	4	9	13
Selling, General and Administrative Expense	$680	$438	$1,751	$1,084

Commitments_and_Contingencies_

Commitments and Contingencies - Narrative (Details) (USD $)	9 Months Ended	12 Months Ended
Commitments and Contingencies - Narrative (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Commitments and Contingencies Disclosure [Abstract]	'	'
Unfunded commitments	$40,200,000	$28,500,000
Outstanding unfunded commitments at variable rates	7,300,000	7,700,000
Outstanding unfunded commitments at fixed rates	19,600,000	20,800,000
Loans and Leases Receivable, Commitments, Terms still being negotiated	13,300,000	'
Commitments to sell residential mortgage loans	$9,600,000	$180,000

Fair_Value_Assets_and_Liabilit

Fair Value - Assets and Liabilities Measured on a Recurring Basis (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]	'	'
Interest rate lock commitments	$0	'
Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]	'	'
Interest rate lock commitments	136	'
Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]	'	'
Interest rate lock commitments	0	'
Estimate of Fair Value, Fair Value Disclosure [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]	'	'
Interest rate lock commitments	136	'
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]	'	'
Corporate Debt, at Fair Value	0	0
State and Municipal Government Obligations, at Fair Value	0	0
Residential agency MBS/CMOs, at Fair Value	0	0
Loans Held-for-sale, Fair Value Disclosure	0	0
Interest rate lock commitments	0	'
Assets, Fair Value Disclosure, Recurring	0	0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]	'	'
Corporate Debt, at Fair Value	14,112	14,450
State and Municipal Government Obligations, at Fair Value	18,523	22,117
Residential agency MBS/CMOs, at Fair Value	45,013	48,143
Loans Held-for-sale, Fair Value Disclosure	9,672	180
Interest rate lock commitments	136	0
Assets, Fair Value Disclosure, Recurring	87,456	84,890
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]	'	'
Corporate Debt, at Fair Value	0	0
State and Municipal Government Obligations, at Fair Value	0	0
Residential agency MBS/CMOs, at Fair Value	0	0
Loans Held-for-sale, Fair Value Disclosure	0	0
Interest rate lock commitments	0	'
Assets, Fair Value Disclosure, Recurring	0	0
Fair Value, Measurements, Recurring [Member] \| Estimate of Fair Value, Fair Value Disclosure [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]	'	'
Corporate Debt, at Fair Value	14,112	14,450
State and Municipal Government Obligations, at Fair Value	18,523	22,117
Residential agency MBS/CMOs, at Fair Value	45,013	48,143
Loans Held-for-sale, Fair Value Disclosure	9,672	180
Interest rate lock commitments	136	'
Assets, Fair Value Disclosure, Recurring	$87,456	$84,890

Fair_Value_Assets_and_Liabilit1

Fair Value - Assets and Liabilities Measured on a Nonrecurring Basis (Details) (Fair Value, Measurements, Nonrecurring [Member], USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Abstract]	'	'
Impaired loans (Financial)	$0	$0
Other real estate owned (Non-financial)	0	0
Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Abstract]	'	'
Impaired loans (Financial)	0	0
Other real estate owned (Non-financial)	0	0
Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Abstract]	'	'
Impaired loans (Financial)	0	0
Other real estate owned (Non-financial)	2,300	1,989
Estimate of Fair Value, Fair Value Disclosure [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Abstract]	'	'
Impaired loans (Financial)	0	0
Other real estate owned (Non-financial)	$2,300	$1,989

Fair_Value_Valuation_Process_T

Fair Value - Valuation Process To Determine Recurring and Nonrecurring Fair Value Measurements (Details)	9 Months Ended
	Sep. 30, 2013
Impaired Loans [Member] \| Property appraisals [Member] \| Minimum [Member]	'
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]	'
Valuation process for Level 3 fair value heirarchy, discount range	0.00%
Impaired Loans [Member] \| Property appraisals [Member] \| Maximum [Member]	'
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]	'
Valuation process for Level 3 fair value heirarchy, discount range	20.00%
Impaired Loans [Member] \| Discounted cash flow [Member] \| Minimum [Member]	'
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]	'
Valuation process for Level 3 fair value heirarchy, discount range	0.00%
Impaired Loans [Member] \| Discounted cash flow [Member] \| Maximum [Member]	'
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]	'
Valuation process for Level 3 fair value heirarchy, discount range	50.00%
Other Real Estate Owned [Member] \| Property appraisals [Member] \| Minimum [Member]	'
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]	'
Valuation process for Level 3 fair value heirarchy, discount range	0.00%
Other Real Estate Owned [Member] \| Property appraisals [Member] \| Maximum [Member]	'
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]	'
Valuation process for Level 3 fair value heirarchy, discount range	20.00%

Fair_Value_Estimated_Fair_Valu

Fair Value - Estimated Fair Values of Financial Instruments (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Interest-bearing deposits with banks	$257	$257
Investment securities	77,648	84,710
Bank-owned life insurance	4,277	2,067
Accrued interest receivable	724	707
Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Cash and cash equivalents	1,822	2,738
Interest-bearing deposits with banks	0	0
Investment securities	0	0
Loans, net	0	0
Loans held for sale	0	0
FHLB and FRB stocks	0	0
Bank-owned life insurance	0	0
Accrued interest receivable	0	0
Interest rate lock commitments	0	'
Deposits, demand, savings and money market	0	0
Time deposits	0	0
Securities sold under agreements to repurchase	0	0
FHLB advances	0	0
Accrued interest payable	0	0
Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Cash and cash equivalents	0	0
Interest-bearing deposits with banks	271	273
Investment securities	77,648	84,710
Loans, net	0	0
Loans held for sale	9,672	180
FHLB and FRB stocks	0	0
Bank-owned life insurance	0	0
Accrued interest receivable	475	537
Interest rate lock commitments	136	'
Deposits, demand, savings and money market	66,733	66,963
Time deposits	61,273	58,671
Securities sold under agreements to repurchase	54	54
FHLB advances	25,598	8,722
Accrued interest payable	78	56
Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Cash and cash equivalents	0	0
Interest-bearing deposits with banks	0	0
Investment securities	0	0
Loans, net	73,147	58,785
Loans held for sale	0	0
Bank-owned life insurance	4,277	2,067
Accrued interest receivable	204	170
Interest rate lock commitments	0	'
Deposits, demand, savings and money market	0	0
Time deposits	0	0
Securities sold under agreements to repurchase	0	0
FHLB advances	0	0
Accrued interest payable	0	0
Estimate of Fair Value, Fair Value Disclosure [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Cash and cash equivalents	1,822	2,738
Interest-bearing deposits with banks	271	273
Investment securities	77,648	84,710
Loans, net	73,147	58,785
Loans held for sale	9,672	180
Bank-owned life insurance	4,277	2,067
Accrued interest receivable	679	707
Interest rate lock commitments	136	'
Deposits, demand, savings and money market	66,733	66,963
Time deposits	61,273	58,671
Securities sold under agreements to repurchase	54	54
FHLB advances	25,598	8,722
Accrued interest payable	78	56
Carrying (Reported) Amount, Fair Value Disclosure [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Cash and cash equivalents	1,822	2,738
Interest-bearing deposits with banks	257	257
Investment securities	77,648	84,710
Loans, net	71,541	58,744
Loans held for sale	9,672	180
FHLB and FRB stocks	2,350	1,189
Bank-owned life insurance	4,277	2,067
Accrued interest receivable	679	707
Interest rate lock commitments	136	'
Deposits, demand, savings and money market	66,733	66,963
Time deposits	60,639	57,769
Securities sold under agreements to repurchase	54	54
FHLB advances	25,447	8,500
Accrued interest payable	$78	$56

Fair_Value_Narrative_Details

Fair Value - Narrative (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	loan	loan
Fair Value Disclosures [Abstract]	'	'
Total number of impaired loans	0	1
OREO, carrying amount	$1,776	$1,776

Segment_Reporting_Details

Segment Reporting (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Segment Reporting Information [Line Items]	'	'	'	'	'
Net interest income	$1,202	'	$3,376	'	'
Provision for loan and lease losses	0	0	0	0	'
Total noninterest income	1,683	329	6,037	697	'
Total noninterest expense	3,523	1,316	9,431	3,585	'
(Loss)/Income before income taxes	-638	74	-18	168	'
Segment Assets	172,297	'	172,297	'	153,897
Average Loans	80,170	'	78,447	'	'
Community Banking [Member]	'	'	'	'	'
Segment Reporting Information [Line Items]	'	'	'	'	'
Net interest income	1,134	'	3,227	'	'
Provision for loan and lease losses	0	'	0	'	'
Total noninterest income	120	'	573	'	'
Total noninterest expense	1,700	'	4,149	'	'
(Loss)/Income before income taxes	-446	'	-349	'	'
Segment Assets	156,233	'	156,233	'	'
Average Loans	66,725	'	65,141	'	'
Residential Mortgage Banking [Member]	'	'	'	'	'
Segment Reporting Information [Line Items]	'	'	'	'	'
Net interest income	68	'	149	'	'
Provision for loan and lease losses	0	'	0	'	'
Total noninterest income	1,563	'	5,464	'	'
Total noninterest expense	1,823	'	5,282	'	'
(Loss)/Income before income taxes	-192	'	331	'	'
Segment Assets	16,064	'	16,064	'	'
Average Loans	$13,445	'	$13,306	'	'

Segment_Reporting_Narrative_De

Segment Reporting - Narrative (Details) (USD $)	3 Months Ended		9 Months Ended
Segment Reporting - Narrative (Details) (USD $)	Sep. 30, 2013	Jun. 30, 2013	Sep. 30, 2013
Segment Reporting [Abstract]	'	'	'
Number of operating segments	'	'	2
Amount of residential mortgage loans refinanced	$11,700,000	$31,200,000	'
Amount of residential mortgage loans funded for a new home purchase	50,600,000	53,200,000	'
Other Noninterest Expense	$400,000	'	'