Solera National Bancorp (SLRK) 10-Q 9 May 14 2014 Q1 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	3 Months Ended
	Mar. 31, 2014	Apr. 29, 2014
Document And Entity Information	'	'
Entity Registrant Name	'Solera National Bancorp, Inc.	'
Entity Central Index Key	'0001357231	'
Document Type	'10-Q	'
Document Period End Date	31-Mar-14	'
Amendment Flag	'false	'
Current Fiscal Year End Date	'--12-31	'
Entity Current Reporting Status	'Yes	'
Entity Filer Category	'Smaller Reporting Company	'
Entity Common Stock, Shares Outstanding	'	2,694,422
Document Fiscal Period Focus	'Q1	'
Document Fiscal Year Focus	'2014	'

Consolidated_Balance_Sheets_Un

Consolidated Balance Sheets (Unaudited) (USD $)	Mar. 31, 2014		Dec. 31, 2013
In Thousands, unless otherwise specified
ASSETS	'		'
Cash and cash equivalents	$1,054		$2,342
Interest-bearing deposits with banks	257		257
Investment securities, available-for-sale	66,341		69,839
Gross loans	81,962		79,240
Net deferred expenses/(fees)	91		46
Allowance for loan and lease losses	-1,126		-1,116
NET LOANS	80,927		78,170
Loans held for sale	8,266		7,951
Federal Home Loan Bank (FHLB) and Federal Reserve Bank (FRB) stocks	2,091		2,346
Bank-owned life insurance	4,353		4,316
Other real estate owned (OREO)	1,746		1,746
Premises and equipment, net	845		888
Accrued interest receivable	674		705
Other assets	1,584		1,117
TOTAL ASSETS	168,138		169,677
Deposits	'		'
Noninterest-bearing demand	6,118		6,362
Interest-bearing demand	10,535		10,559
Savings and money market	52,593		51,185
Time deposits	62,784		64,738
TOTAL DEPOSITS	132,030		132,844
Accrued interest payable	71		63
Accounts payable and other liabilities	1,305		1,487
Short-term FHLB advances	8,683		9,808
Long-term FHLB advances	8,500		8,500
TOTAL LIABILITIES	150,589		152,702
COMMITMENTS AND CONTINGENCIES (see Notes 11 and 14)	'		'
Stockholders' equity	'		'
Common stock	27	[1]	26	[1]
Additional paid-in capital	26,736		26,558
Accumulated deficit	-8,384		-8,015
Accumulated other comprehensive loss	-728		-1,492
Treasury Stock, at cost, 14,208 shares	-102		-102
TOTAL STOCKHOLDERS' EQUITY	17,549		16,975
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$168,138		$169,677
[1]	$0.01 par value; 10,000,000 shares authorized; 2,694,422 shares issued and outstanding at March 31, 2014, and 2,654,890 shares issued and outstanding at December 31, 2013, both of which include 47,500 shares of unvested restricted stock.

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets (Parenthetical) (USD $)	Mar. 31, 2014	Dec. 31, 2013
Statement of Financial Position [Abstract]	'	'
Common stock, par value (in dollars per share)	$0.01	$0.01
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	2,694,422	2,654,890
Common stock, shares outstanding	2,694,422	2,654,890
Statement [Line Items]	'	'
Treasury Stock, Shares	14,208	14,208
Restricted Stock [Member]	'	'
Statement [Line Items]	'	'
Unvested restricted stock, shares issued and outstanding	47,500	47,500

Consolidated_Statements_of_Ope

Consolidated Statements of Operations and Comprehensive Income (Unaudited) (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
INTEREST INCOME	'	'
Interest and fees on loans	$1,122	$790
Interest on loans held for sale	53	94
Interest on investment securities	416	446
Dividends on FHLB and FRB stocks	15	15
Other interest income	2	1
TOTAL INTEREST INCOME	1,608	1,346
INTEREST EXPENSE	'	'
Deposits	269	257
FHLB Advances	40	39
TOTAL INTEREST EXPENSE	309	296
NET INTEREST INCOME BEFORE PROVISION	1,299	1,050
Provision for loan and lease losses	0	0
NET INTEREST INCOME AFTER PROVISION	1,299	1,050
NONINTEREST INCOME	'	'
Service charges and fees	27	19
Other income	37	19
Gain on loans sold	890	1,525
Gain on sale of available-for-sale securities, net	50	100
TOTAL NONINTEREST INCOME	1,004	1,663
NONINTEREST EXPENSE	'	'
Employee compensation and benefits	1,683	1,673
Occupancy	250	256
Professional fees	236	134
Other general and administrative	503	469
TOTAL NONINTEREST EXPENSE	2,672	2,532
(LOSS) INCOME BEFORE INCOME TAXES	-369	181
Provision for income taxes	0	0
NET (LOSS) INCOME	-369	181
OTHER COMPREHENSIVE INCOME, NET OF TAX	'	'
Net change in unrealized gains on securities	814	200
Less: net gains included in net (loss) income	-50	-100
OTHER COMPREHENSIVE INCOME	764	100
COMPREHENSIVE INCOME	$395	$281
PER SHARE DATA	'	'
(Loss) earnings per share - basic (In dollars per share)	($0.14)	$0.07
Weighted-average common shares outstanding - basic (shares)	2,605,380	2,553,671
(Loss) earnings per share - diluted (In dollars per share)	($0.14)	$0.07
Weighted-average common shares outstanding - diluted (shares)	2,605,380	2,612,528

Consolidated_Statements_of_Cha

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (USD $)	Total	Common Stock [Member]	Additional Paid-In Capital [Member]	Accumulated Deficit [Member]	Treasury Stock [Member]	Accumulated Other Comprehensive Income (Loss) [Member]
In Thousands, except Share data, unless otherwise specified
Beginning Balance - Amount at Dec. 31, 2012	$19,941	$26	$26,206	($7,359)	$0	$1,068
Beginning Balance, Shares at Dec. 31, 2012	'	2,553,671	'	'	'	'
Increase (Decrease) in Stockholders' Equity [Roll Forward]	'	'	'	'	'	'
Options exercised, Shares	0	'	'	'	'	'
Stock-based compensation	48	'	48	'	'	'
Net income / (loss)	181	'	'	181	'	'
Other comprehensive income	100	'	'	'	'	100
Ending Balance, Amount at Mar. 31, 2013	20,270	26	26,254	-7,178	0	1,168
Ending Balance, Shares at Mar. 31, 2013	'	2,553,671	'	'	'	'
Beginning Balance - Amount at Dec. 31, 2013	16,975	26	26,558	-8,015	-102	-1,492
Beginning Balance, Shares at Dec. 31, 2013	2,654,890	2,654,890	'	'	'	'
Increase (Decrease) in Stockholders' Equity [Roll Forward]	'	'	'	'	'	'
Options exercised	139	1	138	'	'	'
Options exercised, Shares	39,532	39,532	'	'	'	'
Stock-based compensation	40	'	40	'	'	'
Net income / (loss)	-369	'	'	-369	'	'
Other comprehensive income	764	'	'	'	'	764
Ending Balance, Amount at Mar. 31, 2014	$17,549	$27	$26,736	($8,384)	($102)	($728)
Ending Balance, Shares at Mar. 31, 2014	2,694,422	2,694,422	'	'	'	'

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (Unaudited) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Statement of Cash Flows [Abstract]	'	'
Net (loss) income	($369)	$181
Adjustments to reconcile net income to cash flows from operating activities:	'	'
Depreciation and amortization	82	52
Provision for loan and lease losses	0	0
Net amortization of deferred loan fees/expenses	3	20
Net amortization of premiums on investment securities	248	361
Recognition of stock-based compensation on stock options/restricted stock awards	40	48
Loans originated for sale	-30,808	-52,137
Proceeds from sale of loans held for sale	31,293	34,192
Gain on sale of loans held for sale	-856	-1,414
Gain on sale of available-for-sale securities, net	-50	-100
Gain on sale of SBA loans	-34	-111
Proceeds from the sale of SBA loans	439	1,510
Federal Home Loan Bank stock dividend	-7	-7
Increase in bank-owned life insurance cash surrender value	-37	-19
Changes in operating assets and liabilities:	'	'
Accrued interest receivable	31	-4
Other assets	-440	-196
Accrued interest payable	8	11
Accounts payable and other liabilities	-331	182
Deferred loan fees/expenses, net	-48	18
Net cash used in operating activities	-836	-17,413
CASH FLOWS FROM INVESTING ACTIVITIES:	'	'
Purchases of investment securities, available-for-sale	-7,398	-715
Proceeds from sales of investment securities, available-for-sale	9,397	5,729
Proceeds from maturity/paydown of investment securities, available-for-sale	2,063	3,796
Redemptions/(purchases) of FHLB/FRB bank stocks, net	262	-669
Purchase of bank-owned life insurance	0	-1,000
Loan originations, net	-3,117	-5,996
Purchases of premises and equipment	-8	-60
Net cash provided by investing activities	1,199	1,085
CASH FLOWS FROM FINANCING ACTIVITIES:	'	'
Net decrease in deposits	-814	-1,250
Net increase in securities sold under agreements to repurchase and federal funds purchased	149	0
Net (decrease)/increase in short-term FHLB advances	-1,125	16,074
Proceeds from stock options exercised	139	0
Net cash (used in) provided by financing activities	-1,651	14,824
Net decrease in cash and cash equivalents	-1,288	-1,504
Cash and cash equivalents at beginning of period	2,342	2,738
Cash and cash equivalents at end of period	1,054	1,234
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:	'	'
Interest	301	285
Income taxes paid	0	0
Non-cash investing transactions:	'	'
Unrealized gain on investment securities, available-for-sale	$764	$100

Summary_of_Organization

Summary of Organization	3 Months Ended
	Mar. 31, 2014
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 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 mortgage loan production offices in Boulder, Colorado Springs (two offices), the Denver Tech Center and Durango. These offices primarily originate residential mortgage loans that are sold to secondary market investors.

Basis_of_Presentation

Basis of Presentation	3 Months Ended
	Mar. 31, 2014
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 March 31, 2014, and the results of its operations for the three months ended March 31, 2014 and 2013.  Cash flows are presented for the three months ended March 31, 2014 and 2013.  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 (loss) 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, 2013.
	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 March 31, 2014, 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 11. 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 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, forward sales commitments and other real estate owned.  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 months ended March 31, 2014, 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 months ended March 31, 2013, given the small amount of dilutive-potential stock options.  For the three months ended March 31, 2014 and 2013, respectively, approximately 407,000 and 483,000 anti-dilutive options were not included in the calculation of diluted EPS. Additionally, approximately 12,000 anti-dilutive unvested shares of restricted stock were not included in the calculation of diluted EPS. Amounts used in the determination of basic and diluted earnings per share for the three months ended March 31, 2014 and 2013, are shown below:
	($ in thousands, except share data)		For the Three Months
			Ended March 31,
			2014			2013
	Basic earnings (loss) per share computation
	Net (loss) earnings to common stockholders		$	(369	)	$	181
	Weighted average shares outstanding - basic		2,605,380			2,553,671
	Basic (loss) earnings per share		$	(0.14	)	$	0.07
	Diluted earnings (loss) per share computation
	Net (loss) earnings to common stockholders		$	(369	)	$	181
	Weighted average shares outstanding - basic		2,605,380			2,553,671
	Shares assumed issued:
	Stock options		—			50,437
	Restricted stock		—			8,420
	Weighted average shares outstanding - diluted		2,605,380			2,612,528
	Diluted (loss) earnings per share		$	(0.14	)	$	0.07
	Business Segments: The Company uses the "management approach" for reporting information about segments and has determined that as of March 31, 2014, its business is comprised of two operating segments: community banking and residential mortgage banking.
	Recent Accounting Pronouncements
	In July 2013, the FASB issued an accounting standards update (ASU) 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 became 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 and we don't have any unrecognized tax benefits.
	During the first three months of 2014, 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.
	In January 2014, the FASB issued an ASU on troubled debt restructurings by creditors which clarifies when reclassification of real estate collateralized consumer mortgage loans occurs upon foreclosure. This update clarifies when a creditor should be considered to have received physical possession of residential real estate property such that the loan should be derecognized and other real estate owned recognized on the company's balance sheet. This update is effective for us beginning in first quarter 2015. The Company does not expect this update to have a material impact on the Company's financial statements and disclosures.

Investments

Investments	3 Months Ended
	Mar. 31, 2014
Investments, Debt and Equity Securities [Abstract]	'
INVESTMENTS	'
	INVESTMENTS
	The amortized costs and estimated fair values of investment securities as of March 31, 2014 and December 31, 2013 are as follows:
	($ in thousands)	March 31, 2014
		Amortized		Gross			Gross				Estimated
		Cost		Unrealized			Unrealized				Fair Value
				Gains			Losses
	Securities available-for-sale:
	Corporate	$	12,592	$	146		$	(249	)		$	12,489
	State and municipal	15,712		74			(503		)		15,283
	Residential agency mortgage-backed securities (MBS) and collateralized mortgage obligations (CMOs)	38,765		200			(396		)		38,569
	Total securities available-for-sale	$	67,069	$	420		$	(1,148	)		$	66,341
	($ in thousands)	December 31, 2013
		Amortized		Gross			Gross				Estimated
		Cost		Unrealized			Unrealized				Fair Value
				Gains			Losses
	Securities available-for-sale:
	Corporate	$	13,210	$	113		$	(344	)		$	12,979
	State and municipal	19,157		69			(986		)		18,240
	Residential agency MBS/CMOs	38,964		171			(515		)		38,620
	Total securities available-for-sale	$	71,331	$	353		$	(1,845	)		$	69,839
	The amortized cost and estimated fair value of investment securities by contractual maturity at March 31, 2014 and December 31, 2013 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 $2.1 million from the maturity / prepayment of securities during the three months ended March 31, 2014 (see our Consolidated Statements of Cash Flows ) versus no dollars contractually maturing within one year as of December 31, 2013, as set forth in the table below.
	($ in thousands)	March 31, 2014					December 31, 2013
		Amortized		Estimated Fair			Amortized				Estimated Fair
		Cost		Value			Cost				Value
	Securities available-for-sale:
	Due within one year	$	—	$	—		$	—			$	—
	Due after one year through five years	6,181		6,299			6,442				6,557
	Due after five years through ten years	20,905		20,361			25,435				24,339
	Due after ten years	39,983		39,681			39,454				38,943
	Total securities available-for-sale	$	67,069	$	66,341		$	71,331			$	69,839
	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 March 31, 2014 and December 31, 2013.
		March 31, 2014
	($ 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	$	5,017	$	(173	)	9			$	3,027		$	(76	)	5	$	8,044	$	(249	)	14
	State and municipal	11,904		(470		)	26			739			(33		)	2	12,643		(503		)	28
	Residential agency MBS/CMOs	18,896		(264		)	22			5,433			(132		)	7	24,329		(396		)	29
	Total temporarily-impaired	$	35,817	$	(907	)	57			$	9,199		$	(241	)	14	$	45,016	$	(1,148	)	71
		December 31, 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	$	5,544	$	(223	)	10			$	3,488		$	(121	)	6	$	9,032	$	(344	)	16
	State and municipal	15,482		(932		)	33			719			(54		)	2	16,201		(986		)	35
	Residential agency MBS/CMOs	19,505		(311		)	23			8,121			(204		)	10	27,626		(515		)	33
	Total temporarily-impaired	$	40,531	$	(1,466	)	66			$	12,328		$	(379	)	18	$	52,859	$	(1,845	)	84
	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 March 31, 2014, no declines were deemed to be other than temporary.  The five corporate securities that were in a continuous loss position for 12 months or longer at March 31, 2014 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 2014.
	The two municipal bonds that were in a continuous loss position for 12 months or longer at March 31, 2014 were due to changes in interest rates, as the bonds were purchased when the ten year treasury rate was near its historical low. The bonds continue to maintain high credit ratings.
	Significant prepayment speeds is the primary driver of the loss on the seven mortgage-backed securities in a continuous loss position for 12 months or longer at March 31, 2014.  The Company has determined there is no credit impairment on these bonds because 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 March 31, 2014 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, 2013, determined these securities were not other than temporarily impaired.
	The Company recorded a net unrealized loss in the investment portfolio of $728,000 at March 31, 2014, a $764,000 improvement from the $1.5 million net unrealized loss at December 31, 2013. The increase in the value of the portfolio since year-end was primarily due to the decline in interest rates that occurred during the first quarter of 2014.
	Sales of available-for-sale securities were as follows:
	($ in thousands)	Three Months Ended March 31,
		2014		2013
	Proceeds	$	9,397	$	5,729
	Gross gains	$	50	$	100
	Gross losses	$	—	$	—
	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 $24.9 million at March 31, 2014 and $26.4 million at December 31, 2013, 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	3 Months Ended
	Mar. 31, 2014
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)	March 31,			December 31,
		2014			2013
	Commercial real estate (“CRE”)	$	46,191		$	47,063
	Commercial and industrial	10,918			11,730
	Residential real estate	20,934			17,889
	Construction and land development	3,851			2,044
	Consumer	68			514
	GROSS LOANS	81,962			79,240
	Net deferred loan expenses / (fees)	91			46
	Allowance for loan and lease losses	(1,126		)	(1,116		)
	LOANS, NET	$	80,927		$	78,170
	During the first three months of 2014, the Bank purchased no loans compared to the first quarter of 2013, when the Bank purchased two loans with aggregate principal balances of approximately $170,000.  During the first quarter 2014, the Bank sold the guaranteed portion of one SBA 7(a) note totaling approximately $405,000 resulting in a gain of $44,000, of which $34,000 was recognized in income immediately.  During the first quarter of 2013, the Bank sold the guaranteed portion of two SBA 7(a) notes totaling approximately $1.4 million resulting in gains of $144,000, of which $111,000 was recognized in income immediately.
	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 no loans receivable from related parties at March 31, 2014 and approximately $141,000 in loans receivable from related parties at December 31, 2013.
	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 $2.6 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	3 Months Ended
	Mar. 31, 2014
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 months ended March 31, 2014 and 2013 is summarized as follows:
	($ in thousands)	Three Months Ended
		March 31,
		2014			2013
	Balance, beginning of period	$	1,116		$	1,063
	Charge-offs	—			—
	Recoveries	10			11
	Provision for loan and lease losses	—			—
	Balance, end of period	$	1,126		$	1,074
	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 months ended March 31, 2014 and 2013, respectively.
	Rollforward of Allowance for Loan and Lease Losses by Portfolio Segment
	Three Months Ended March 31, 2014
	($ in thousands)	Commercial Real Estate Secured			Residential Real Estate Secured			Commercial and Industrial			Consumer		Total
	Balance at December 31, 2013	$	655		$	312		$	149		$	—	$	1,116
	Charge-offs	—			—			—			—		—
	Recoveries	—			9			1			—		10
	Provision for loan and lease losses	7			11			(18		)	—		—
	Balance at March 31, 2014	$	662		$	332		$	132		$	—	$	1,126
	Rollforward of Allowance for Loan and Lease Losses by Portfolio Segment
	Three Months Ended March 31, 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	—			—			—			—		—
	Recoveries	—			10			1			—		11
	Provision for loan and lease losses	(24		)	(5		)	18			11		—
	Balance at March 31, 2013	$	760		$	227		$	76		$	11	$	1,074
	The following tables present the ending balance in loans and allowance for loan and lease losses, broken down by portfolio segment as of March 31, 2014 and December 31, 2013.  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
	March 31, 2014
	($ in thousands)	Commercial Real Estate Secured			Residential Real Estate Secured			Commercial and Industrial			Consumer		Total
	Loans
	Individually evaluated for impairment	$	—		$	—		$	—		$	—	$	—
	Collectively evaluated for impairment	38,665			30,547			12,701			49		81,962
	Total	$	38,665		$	30,547		$	12,701		$	49	$	81,962
	Allowance for loan losses
	Individually evaluated for impairment	$	—		$	—		$	—		$	—	$	—
	Collectively evaluated for impairment	662			332			132			—		1,126
	Total	$	662		$	332		$	132		$	—	$	1,126
	Ending Balances in Loans and Allowance for Loan and Lease Losses by Portfolio Segment
	December 31, 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	38,924			26,230			14,036			50		79,240
	Total	$	38,924		$	26,230		$	14,036		$	50	$	79,240
	Allowance for loan losses
	Individually evaluated for impairment	$	—		$	—		$	—		$	—	$	—
	Collectively evaluated for impairment	655			312			149			—		1,116
	Total	$	655		$	312		$	149		$	—	$	1,116
	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
	March 31, 2014 (Principal Balance)
	($ in thousands)	Portfolio Segment
	Class	Commercial Real Estate Secured			Residential Real Estate Secured			Commercial and Industrial			Consumer		Total
	CRE – owner occupied	$	19,564		$	—		$	—		$	—	$	19,564
	CRE – non-owner occupied	18,404			—			—			—		18,404
Commercial and industrial	—			—			10,180			—		10,180
Residential real estate	—			26,696			—			—		26,696
Construction and land development	697			3,851			—			—		4,548
Government guaranteed	—			—			2,521			—		2,521
Consumer	—			—			—			49		49
Total	$	38,665		$	30,547		$	12,701		$	49	$	81,962
Reconciliation between Portfolio Segment and Class
December 31, 2013 (Principal Balance)
($ in thousands)	Portfolio Segment
Class	Commercial Real Estate Secured			Residential Real Estate Secured			Commercial and Industrial			Consumer		Total
CRE – owner occupied	$	20,964		$	—		$	—		$	—	$	20,964
CRE – non-owner occupied	17,960			—			—			—		17,960
Commercial and industrial	—			—			11,431			—		11,431
Residential real estate	—			24,186			—			—		24,186
Construction and land development	—			2,044			—			—		2,044
Government guaranteed	—			—			2,605			—		2,605
Consumer	—			—			—			50		50
Total	$	38,924		$	26,230		$	14,036		$	50	$	79,240
Impaired Loans
There were no impaired loans and no troubled debt restructurings (TDRs) as of March 31, 2014 or December 31, 2013.  Additionally, no loans were modified as TDRs during the three months ended March 31, 2014 or 2013.  No loans were restructured as TDRs during the last 12 months.
Age Analysis of Loans
There was one Commercial and Industrial loan totaling $135,000 past due 30 - 59 days as of March 31, 2014. No other loans were past due. There were no nonaccrual loans as of March 31, 2014 and there were no past due or nonaccrual loans as of December 31, 2013.
Credit Quality Information
The Company uses the following definitions for risk ratings, which are consistent with the definitions used in supervisory guidance and are the same for all classes of loans:
Special Mention:	Loans in this category have potential weaknesses that deserve management’s close attention.  If left uncorrected, these potential weaknesses may result in deterioration of the repayment at some future date.
Substandard:	Loans in this category are inadequately protected by the current sound worth and paying capacity of the borrower or of the collateral pledged, if any.  These loans have well-defined weaknesses that jeopardize the liquidation of the debt and have the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.
Doubtful:	Loans in this category have all the weaknesses inherent in those classified as substandard, above, with the added characteristic that the weaknesses make the collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable.
Loss:	Loans in this category are deemed not collectible and are charged-off.
Loans not meeting any of the definitions above are considered to be pass rated loans.
As of March 31, 2014, and based on the most recent analysis performed during the month of March 2014, the recorded investment in each risk category of loans by class of loan is as follows:
($ in thousands)	Credit Quality of Loans by Class as of March 31, 2014
	Pass			Special Mention			Substandard			Doubtful		Total
CRE – owner occupied	$	17,156		$	177		$	2,231		$	—	$	19,564
CRE – non-owner occupied	17,573			831			—			—		18,404
Commercial and industrial	9,886			124			170			—		10,180
Residential real estate	25,909			—			787			—		26,696
Construction and land development	4,548			—			—			—		4,548
Government guaranteed	2,521			—			—			—		2,521
Consumer	49			—			—			—		49
Total	$	77,642		$	1,132		$	3,188		$	—	$	81,962
As of December 31, 2013, and based on the most recent analysis performed during the month of December 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 December 31, 2013
	Pass			Special Mention			Substandard			Doubtful		Total
CRE – owner occupied	$	18,533		$	179		$	2,252		$	—	$	20,964
CRE – non-owner occupied	17,124			836			—			—		17,960
Commercial and industrial	11,134			127			170			—		11,431
Residential real estate	23,393			—			793			—		24,186
Construction and land development	2,044			—			—			—		2,044
Government guaranteed	2,605			—			—			—		2,605
Consumer	50			—			—			—		50
Total	$	74,883		$	1,142		$	3,215		$	—	$	79,240

Loans_Held_for_Sale_and_Intere

Loans Held for Sale and Interest Rate Lock Commitments	3 Months Ended
	Mar. 31, 2014
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. The Bank had loans held for sale of $8.3 million and $8.0 million as of March 31, 2014 and December 31, 2013, respectively.
	The Bank has entered into interest rate lock commitments to originate residential mortgage loans held for sale that are considered derivative instruments. The Bank enters into an interest rate lock commitment with the customer and simultaneously enters into a forward sales commitment with the secondary market investor which locks the pricing on the subsequent sale of the loan thereby mitigating the Bank's exposure to interest rate risk.
	The fair value of these commitments is recorded on the consolidated balance sheets with the changes in fair value recorded in the consolidated statements of operations as a component of gain on loans sold. These derivative contracts are designated as free standing derivative contracts and are not designated against specific assets and liabilities on the balance sheet or forecasted transactions and therefore do not qualify for hedge accounting treatment.
	The table below identifies the balance sheet category and fair values of the Bank's derivative instruments not designated as hedging instruments at March 31, 2014 and December 31, 2013.
	($ in thousands)
	Interest Rate Lock Commitments (Mortgage)	Notional Amount		Fair Value		Balance Sheet Category
	March 31, 2014	$	15,213	$	118	Other assets
	December 31, 2013	$	6,280	$	62	Other assets

Deposits

Deposits	3 Months Ended
	Mar. 31, 2014
Deposits [Abstract]	'
DEPOSITS	'
	DEPOSITS
	Deposits are summarized as follows:
	($ in thousands)	March 31, 2014				December 31, 2013
		Amount		% of Total		Amount		% of Total
	Noninterest-bearing demand	$	6,118	5	%	$	6,362	5	%
	Interest-bearing demand	10,535		8	%	10,559		8	%
	Money market accounts	16,790		13	%	14,929		11	%
	Savings accounts	35,803		27	%	36,256		28	%
	Time deposits, less than $100,000	4,454		3	%	4,485		3	%
	Time deposits, $100,000 or more	58,330		44	%	60,253		45	%
	Total deposits	$	132,030	100	%	$	132,844	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 $3.4 million and $3.1 million at March 31, 2014 and December 31, 2013, respectively.
	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 $468,000 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. As of March 31, 2014, the core deposit intangible is $412,000 and is included in Other Assets on the Company's Consolidated Balance Sheets. Quarterly, the Company evaluates the core deposit intangible for impairment. As of both March 31, 2014 and December 31, 2013, no impairment has been noted.

FHLB_Advances

FHLB Advances	3 Months Ended
	Mar. 31, 2014
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 both March 31, 2014 and December 31, 2013, the Bank had $8.5 million in fixed-rate borrowings from the FHLB with varying maturity dates between April 2014 and October 2018 and a weighted-average effective interest rate of 1.73%. Additionally, the Bank had $8.7 million in variable-rate, overnight borrowings at 0.21% as of March 31, 2014. The Bank is primarily using overnight borrowings at the FHLB to fund residential mortgage loans which are held for sale. The Bank had $9.8 million in overnight borrowings from the FHLB as of December 31, 2013 at 0.19%. During the three months ended March 31, 2014, approximately $4,000 of the $40,000 in total interest expense on FHLB advances pertained to short-term borrowings. During the three months ended March 31, 2013, approximately $6,000 of the $39,000 in total interest expense on FHLB advances pertained to short-term borrowings.
	In addition to FHLB borrowings, the Company may borrow overnight funds on an unsecured basis from its correspondent
	banks. As of March 31, 2014 and December 31, 2013, the Company had approved borrowing lines up to $13.1 million from correspondent banks and had $150,000 and $0, respectively, in outstanding borrowings under these arrangements. The Bank also has the ability to borrow at the Federal Reserve Bank Discount Window on a secured basis.

StockBased_Compensation

Stock-Based Compensation	3 Months Ended
	Mar. 31, 2014
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 stock-based awards including stock options, nonqualified stock options, restricted stock awards, stock appreciation rights, and performance awards 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 March 31, 2014, approximately 75,000 shares were available for future grants.  Stock options expire no later than ten years from the date of grant and generally vest over four years. 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 March 31, 2014, approximately 64,000 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 $40,000 during the three months ended March 31, 2014, which represents approximately 32,000 stock options earned. The Company recognized stock-based compensation costs of approximately $48,000 during the three months ended March 31, 2013, which represented approximately 18,750 stock options earned. 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 March 31, 2014, there was approximately $166,000 of total unrecognized compensation cost related to the outstanding stock options that will be recognized over a weighted-average period of 2.2 years.
	The following is a summary of the Company’s outstanding stock options and related activity for the three months ended March 31, 2014:
		Options		Weighted-Average Grant Date Fair Value		Weighted-Average Exercise Price
	Outstanding at December 31, 2013	610,177		$	1.66	$	6.7
	Granted	—		—		—
	Exercised	(39,532	)	0.69		3.5
	Forfeited	(7,323	)	1.26		5.35
	Expired	(12,333	)	2.43		9
	Outstanding at March 31, 2014	550,989		$	1.71	$	6.89
	The following is a summary of the Company’s outstanding stock options and related activity for the three months ended March 31, 2013:
		Options		Weighted-Average Grant Date Fair Value		Weighted-Average Exercise Price
	Outstanding at December 31, 2012	523,500		$	1.65	$	6.72
	Granted	121,000		1.28		5.43
	Exercised	—		—		—
	Forfeited	—		—		—
	Expired	(4,479	)	1.4		6
	Outstanding at March 31, 2013	640,021		$	1.59	$	6.48
	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. However, in August 2013, the Company accelerated the vesting of 25,000 shares making them fully vested as of August 30, 2013. In December 2013, an additional 12,500 shares vested in conjunction with the separation of an officer. The remaining shares vest on November 30, 2014, conditioned upon the officer's continued employment with the Bank. The shares have a grant-date fair value of $4.80 per share.
	An additional 25,000 performance-based restricted shares were issued to an officer on November 30, 2012. 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 5,000 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. As of February 2014, 5,000 of these performance-based restricted shares were granted. The shares have a grant-date fair value of $5.76 and as of March 31, 2014, are expected to fully vest on December 31, 2014 as the Company is on track to hit the established performance criteria.
	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 $18,000 and $30,000 of stock-based compensation expense associated with the stock awards for the three months ended March 31, 2014 and 2013, respectively. As of March 31, 2014, compensation cost of $106,000 related to unearned awards is expected to be recognized over a weighted-average period of 2.1 years. As of March 31, 2014, 47,500 restricted stock awards are considered issued and outstanding as they have voting and dividend rights.

Noninterest_Expense

Noninterest Expense	3 Months Ended
	Mar. 31, 2014
Noninterest Expense [Abstract]	'
NONINTEREST EXPENSE	'
	NONINTEREST EXPENSE
	The following table details the individual expense items greater than $25,000 that comprise other general and administrative expenses:
	($ in thousands)	Three Months Ended March 31,
		2014		2013
	Other general and administrative expenses:
	Data processing	$	151	$	117
	Other loan expenses	74		73
	Marketing and promotions	32		37
	Regulatory and reporting fees	33		33
	FDIC assessment	33		35
	Directors’ fees	25		27
	Telephone/communication	26		23
	Printing, stationery and supplies	26		15
	All other	103		109
	Total	$	503	$	469

Commitments_and_Contingencies

Commitments and Contingencies	3 Months Ended
	Mar. 31, 2014
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 March 31, 2014 and December 31, 2013, $34.8 million and $21.0 million, respectively, in unfunded commitments were outstanding whose contract amounts represent credit risk. Of the $34.8 million in total commitments outstanding at March 31, 2014, $6.6 million were at variable rates and $19.3 million were at fixed rates and $8.9 million have terms that are still being negotiated. Of the $21.0 million in total commitments outstanding at December 31, 2013, $7.6 million were at variable rates and $9.5 million were at fixed rates and $3.9 million have terms that were being negotiated. Additionally, as of March 31, 2014 and December 31, 2013, the Company had approximately $8.1 million and $7.8 million, 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. However, beginning in the first quarter of 2014, the Bank established a recourse reserve liability, which is included in accounts payable and other liabilities on the consolidated balance sheets, to reserve for estimated losses due to early payoffs, losses associated with payment default and repurchases under other representations and warranties. This estimate is reviewed on a quarterly basis to account for changes in the volume of loans sold, delinquencies and economic conditions. As of March 31, 2014, the recourse reserve liability balance was $12,000.

Fair_Value

Fair Value	3 Months Ended
	Mar. 31, 2014
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 March 31, 2014 and December 31, 2013, 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, if any, 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 March 31, 2014
	Investment securities, available-for-sale:
	Corporate	$	—		$	12,489	$	—	$	12,489
	State and municipal	—			15,283		—		15,283
	Residential agency MBS/CMOs	—			38,569		—		38,569
	Loans held for sale	—			8,266		—		8,266
	Interest rate lock commitments	—			118		—		118
	Assets at December 31, 2013
	Investment securities, available-for-sale:
	Corporate	$	—		$	12,979	$	—	$	12,979
	State and municipal	—			18,240		—		18,240
	Residential agency MBS/CMOs	—			38,620		—		38,620
	Loans held for sale	—			7,951		—		7,951
	Interest rate lock commitments	—			62		—		62
	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 March 31, 2014
	Impaired loans (Financial)	$	—		$	—	$	—	$	—
	Other real estate owned (Non-financial)	$	—		$	—	$	1,881	$	1,881
	Assets at December 31, 2013
	Impaired loans (Financial)	$	—		$	—	$	—	$	—
	Other real estate owned (Non-financial)	$	—		$	—	$	1,881	$	1,881
	There were no impaired loans as of March 31, 2014 or December 31, 2013.
	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 carrying amounts of $1.7 million at both March 31, 2014 and December 31, 2013, based on the appraisals less reasonable estimated costs to sell and less partial charge-offs recorded in 2011 and 2013.
	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 and forward sales commitments: The fair value of interest rate lock commitments (to originate residential mortgage loans held for sale) and forward sales commitments (to sell residential mortgage loans held for sale to third parties) 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 and federal funds purchased:  The carrying amount of securities sold under agreements to repurchase and federal funds purchased 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 fixed rate FHLB advances are estimated using a discounted cash flow model based on current market rates for similar types of borrowing arrangements including similar remaining maturities. The fair value of variable rate FHLB advances is assumed to approximate the carrying value.
	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 March 31, 2014
	Financial Assets:	Value			Level 1		Level 2		Level 3		Total
Cash and cash equivalents	$	1,054		$	1,054	$	—	$	—	$	1,054
Interest-bearing deposits with banks	257			—		272		—		272
Investment securities	66,341			—		66,341		—		66,341
Loans, net	80,927			—		—		83,172		83,172
Loans held for sale	8,266			—		8,266		—		8,266
FHLB and FRB stocks	2,091			—		—		NA		NA
Bank-owned life insurance	4,353			—		—		4,353		4,353
Accrued interest receivable	674			—		422		252		674
Interest rate lock commitments	118			—		118		—		118
Financial Liabilities:
Deposits, demand, savings and money market	$	69,246		$	—	$	69,246	$	—	$	69,246
Time deposits	62,784			—		63,326		—		63,326
Securities sold under agreements to repurchase and federal funds purchased	204			—		204		—		204
FHLB advances	17,183			—		17,296		—		17,296
Accrued interest payable	71			—		71		—		71
($ in thousands)	Carrying			Fair Value Measurements at December 31, 2013
Financial Assets:	Value			Level 1		Level 2		Level 3		Total
Cash and cash equivalents	$	2,342		$	2,342	$	—	$	—	$	2,342
Interest-bearing deposits with banks	257			—		272		—		272
Investment securities	69,839			—		69,839		—		69,839
Loans, net	78,170			—		—		79,153		79,153
Loans held for sale	7,951			—		7,951		—		7,951
FHLB and FRB stocks	2,346			—		—		NA		NA
Bank-owned life insurance	4,316			—		—		4,316		4,316
Accrued interest receivable	705			—		471		234		705
Interest rate lock commitments	62			—		62		—		62
Financial Liabilities:
Deposits, demand, savings and money market	$	68,106		$	—	$	68,106	$	—	$	68,106
Time deposits	64,738			—		65,254		—		65,254
Securities sold under agreements to repurchase	54			—		54		—		54
FHLB advances	18,308			—		18,429		—		18,429
Accrued interest payable	63			—		63		—		63

Segment_Reporting

Segment Reporting	3 Months Ended
	Mar. 31, 2014
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. Our residential mortgage department has loan production offices in 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 periods presented:
	($ in thousands)	Community Banking			Residential Mortgage Banking			Total
	Three Months Ended March 31, 2014
	Net interest income	$	1,162		$	137		$	1,299
	Provision for loan and lease losses	—			—			—
	Total noninterest income	149			855			1,004
	Total noninterest expense	1,503			1,169			2,672
	(Loss) before income taxes	$	(192	)	$	(177	)	$	(369	)
	Three Months Ended March 31, 2013
	Net interest income	$	1,025		$	25		$	1,050
	Provision for loan and lease losses	—			—			—
	Total noninterest income	249			1,414			1,663
	Total noninterest expense	1,160			1,372			2,532
	Income before income taxes	$	114		$	67		$	181
	Segment Assets
	March 31, 2014	$	144,061		$	24,077		$	168,138
	December 31, 2013	151,255			18,422			169,677
	Average Loans
	YTD March 31, 2014	$	71,951		$	12,062		$	84,013
	YTD December 31, 2013	$	66,717		$	12,841		$	79,558
	The first quarter 2014 loss for the residential mortgage division was largely driven by the sharp reduction in refinancing activity which declined from $19.9 million during the first quarter of 2013 to $5.0 million for the first quarter of 2014. Residential mortgage loans funded for the purchase of new homes also declined, but not as drastically, going from $32.3 million during the first quarter of 2013 to $25.8 million during the first quarter of 2014. We expect refinance activity to remain at these lower levels over the near-term.
	The increased loss experienced during the first quarter of 2014 in the community banking division largely related to the approximately $102,000 of severance costs incurred during the quarter in connection with the termination of our Chief Financial Officer, as well as the approximately $80,000 of increased costs associated with our on-going contested proxy surrounding the election of directors at our 2014 annual meeting of stockholders.

Legal_Contingencies

Legal Contingencies	3 Months Ended
	Mar. 31, 2014
Commitments and Contingencies Disclosure [Abstract]	'
LEGAL CONTINGENCIES	'
	LEGAL CONTINGENCIES
	On March 12, 2014, the Company filed a lawsuit against a holder of approximately 22% of its shares, Mr. Michael D. Quagliano, seeking a declaratory judgment that Mr. Quagliano did not comply with the Company's bylaws relating to the nomination of candidates for election as directors at the Company's 2014 annual meeting of stockholders. The Company does not expect this to have a material impact on the Company's financial position, results of operations or cash flows.
	In addition, 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.

Subsequent_Events

Subsequent Events	3 Months Ended
	Mar. 31, 2014
Subsequent Events [Abstract]	'
SUBSEQUENT EVENTS	'
	SUBSEQUENT EVENTS
	The Company has considered subsequent events through the date of issuance of this Report on Form 10-Q, and has determined that no additional disclosure is necessary.

Critical_Accounting_Policies_P

Critical Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2014
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 March 31, 2014, 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 11. 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 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, forward sales commitments and other real estate owned.  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 months ended March 31, 2014, 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 months ended March 31, 2013, given the small amount of dilutive-potential stock options.
Business segments	'
	Business Segments: The Company uses the "management approach" for reporting information about segments and has determined that as of March 31, 2014, its business is comprised of two operating segments: community banking and residential mortgage banking.
Recent accounting pronouncements	'
	Recent Accounting Pronouncements
	In July 2013, the FASB issued an accounting standards update (ASU) 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 became 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 and we don't have any unrecognized tax benefits.
	During the first three months of 2014, 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)	3 Months Ended
	Mar. 31, 2014
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 months ended March 31, 2014 and 2013, are shown below:
	($ in thousands, except share data)	For the Three Months
		Ended March 31,
		2014			2013
	Basic earnings (loss) per share computation
	Net (loss) earnings to common stockholders	$	(369	)	$	181
	Weighted average shares outstanding - basic	2,605,380			2,553,671
	Basic (loss) earnings per share	$	(0.14	)	$	0.07
	Diluted earnings (loss) per share computation
	Net (loss) earnings to common stockholders	$	(369	)	$	181
	Weighted average shares outstanding - basic	2,605,380			2,553,671
	Shares assumed issued:
	Stock options	—			50,437
	Restricted stock	—			8,420
	Weighted average shares outstanding - diluted	2,605,380			2,612,528
	Diluted (loss) earnings per share	$	(0.14	)	$	0.07

Investments_Tables

Investments (Tables)	3 Months Ended
	Mar. 31, 2014
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 March 31, 2014 and December 31, 2013 are as follows:
	($ in thousands)	March 31, 2014
		Amortized		Gross			Gross				Estimated
		Cost		Unrealized			Unrealized				Fair Value
				Gains			Losses
	Securities available-for-sale:
	Corporate	$	12,592	$	146		$	(249	)		$	12,489
	State and municipal	15,712		74			(503		)		15,283
	Residential agency mortgage-backed securities (MBS) and collateralized mortgage obligations (CMOs)	38,765		200			(396		)		38,569
	Total securities available-for-sale	$	67,069	$	420		$	(1,148	)		$	66,341
	($ in thousands)	December 31, 2013
		Amortized		Gross			Gross				Estimated
		Cost		Unrealized			Unrealized				Fair Value
				Gains			Losses
	Securities available-for-sale:
	Corporate	$	13,210	$	113		$	(344	)		$	12,979
	State and municipal	19,157		69			(986		)		18,240
	Residential agency MBS/CMOs	38,964		171			(515		)		38,620
	Total securities available-for-sale	$	71,331	$	353		$	(1,845	)		$	69,839
Contractual maturities of investment securities	'
	($ in thousands)	March 31, 2014					December 31, 2013
		Amortized		Estimated Fair			Amortized				Estimated Fair
		Cost		Value			Cost				Value
	Securities available-for-sale:
	Due within one year	$	—	$	—		$	—			$	—
	Due after one year through five years	6,181		6,299			6,442				6,557
	Due after five years through ten years	20,905		20,361			25,435				24,339
	Due after ten years	39,983		39,681			39,454				38,943
	Total securities available-for-sale	$	67,069	$	66,341		$	71,331			$	69,839
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 March 31, 2014 and December 31, 2013.
		March 31, 2014
	($ 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	$	5,017	$	(173	)	9			$	3,027		$	(76	)	5	$	8,044	$	(249	)	14
	State and municipal	11,904		(470		)	26			739			(33		)	2	12,643		(503		)	28
	Residential agency MBS/CMOs	18,896		(264		)	22			5,433			(132		)	7	24,329		(396		)	29
	Total temporarily-impaired	$	35,817	$	(907	)	57			$	9,199		$	(241	)	14	$	45,016	$	(1,148	)	71
		December 31, 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	$	5,544	$	(223	)	10			$	3,488		$	(121	)	6	$	9,032	$	(344	)	16
	State and municipal	15,482		(932		)	33			719			(54		)	2	16,201		(986		)	35
	Residential agency MBS/CMOs	19,505		(311		)	23			8,121			(204		)	10	27,626		(515		)	33
	Total temporarily-impaired	$	40,531	$	(1,466	)	66			$	12,328		$	(379	)	18	$	52,859	$	(1,845	)	84
Proceeds from sales of available-for-sale securities	'
	Sales of available-for-sale securities were as follows:
	($ in thousands)	Three Months Ended March 31,
		2014		2013
	Proceeds	$	9,397	$	5,729
	Gross gains	$	50	$	100
	Gross losses	$	—	$	—

Loans_Tables

Loans (Tables)	3 Months Ended
	Mar. 31, 2014
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)	March 31,			December 31,
		2014			2013
	Commercial real estate (“CRE”)	$	46,191		$	47,063
	Commercial and industrial	10,918			11,730
	Residential real estate	20,934			17,889
	Construction and land development	3,851			2,044
	Consumer	68			514
	GROSS LOANS	81,962			79,240
	Net deferred loan expenses / (fees)	91			46
	Allowance for loan and lease losses	(1,126		)	(1,116		)
	LOANS, NET	$	80,927		$	78,170

Allowance_for_Loan_and_Lease_L1

Allowance for Loan and Lease Losses (Tables)	3 Months Ended
	Mar. 31, 2014
Loans and Leases Receivable, Allowance [Abstract]	'
Allowance for loan and lease losses	'
	Activity in the allowance for loan and lease losses for the three months ended March 31, 2014 and 2013 is summarized as follows:
	($ in thousands)	Three Months Ended
		March 31,
		2014			2013
	Balance, beginning of period	$	1,116		$	1,063
	Charge-offs	—			—
	Recoveries	10			11
	Provision for loan and lease losses	—			—
	Balance, end of period	$	1,126		$	1,074
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 months ended March 31, 2014 and 2013, respectively.
	Rollforward of Allowance for Loan and Lease Losses by Portfolio Segment
	Three Months Ended March 31, 2014
	($ in thousands)	Commercial Real Estate Secured			Residential Real Estate Secured			Commercial and Industrial			Consumer		Total
	Balance at December 31, 2013	$	655		$	312		$	149		$	—	$	1,116
	Charge-offs	—			—			—			—		—
	Recoveries	—			9			1			—		10
	Provision for loan and lease losses	7			11			(18		)	—		—
	Balance at March 31, 2014	$	662		$	332		$	132		$	—	$	1,126
	Rollforward of Allowance for Loan and Lease Losses by Portfolio Segment
	Three Months Ended March 31, 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	—			—			—			—		—
	Recoveries	—			10			1			—		11
	Provision for loan and lease losses	(24		)	(5		)	18			11		—
	Balance at March 31, 2013	$	760		$	227		$	76		$	11	$	1,074
Ending balances in loans and allowance for loan and lease losses by portfolio segment	'
	Ending Balances in Loans and Allowance for Loan and Lease Losses by Portfolio Segment
	March 31, 2014
	($ in thousands)	Commercial Real Estate Secured			Residential Real Estate Secured			Commercial and Industrial			Consumer		Total
	Loans
	Individually evaluated for impairment	$	—		$	—		$	—		$	—	$	—
	Collectively evaluated for impairment	38,665			30,547			12,701			49		81,962
	Total	$	38,665		$	30,547		$	12,701		$	49	$	81,962
	Allowance for loan losses
	Individually evaluated for impairment	$	—		$	—		$	—		$	—	$	—
	Collectively evaluated for impairment	662			332			132			—		1,126
	Total	$	662		$	332		$	132		$	—	$	1,126
	Ending Balances in Loans and Allowance for Loan and Lease Losses by Portfolio Segment
	December 31, 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	38,924			26,230			14,036			50		79,240
	Total	$	38,924		$	26,230		$	14,036		$	50	$	79,240
	Allowance for loan losses
	Individually evaluated for impairment	$	—		$	—		$	—		$	—	$	—
	Collectively evaluated for impairment	655			312			149			—		1,116
	Total	$	655		$	312		$	149		$	—	$	1,116
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
	March 31, 2014 (Principal Balance)
	($ in thousands)	Portfolio Segment
	Class	Commercial Real Estate Secured			Residential Real Estate Secured			Commercial and Industrial			Consumer		Total
	CRE – owner occupied	$	19,564		$	—		$	—		$	—	$	19,564
	CRE – non-owner occupied	18,404			—			—			—		18,404
	Commercial and industrial	—			—			10,180			—		10,180
	Residential real estate	—			26,696			—			—		26,696
	Construction and land development	697			3,851			—			—		4,548
	Government guaranteed	—			—			2,521			—		2,521
	Consumer	—			—			—			49		49
	Total	$	38,665		$	30,547		$	12,701		$	49	$	81,962
	Reconciliation between Portfolio Segment and Class
	December 31, 2013 (Principal Balance)
	($ in thousands)	Portfolio Segment
	Class	Commercial Real Estate Secured			Residential Real Estate Secured			Commercial and Industrial			Consumer		Total
	CRE – owner occupied	$	20,964		$	—		$	—		$	—	$	20,964
	CRE – non-owner occupied	17,960			—			—			—		17,960
	Commercial and industrial	—			—			11,431			—		11,431
	Residential real estate	—			24,186			—			—		24,186
	Construction and land development	—			2,044			—			—		2,044
	Government guaranteed	—			—			2,605			—		2,605
	Consumer	—			—			—			50		50
	Total	$	38,924		$	26,230		$	14,036		$	50	$	79,240
Credit quality of loans by class	'
	As of March 31, 2014, and based on the most recent analysis performed during the month of March 2014, 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 March 31, 2014
		Pass			Special Mention			Substandard			Doubtful		Total
	CRE – owner occupied	$	17,156		$	177		$	2,231		$	—	$	19,564
	CRE – non-owner occupied	17,573			831			—			—		18,404
	Commercial and industrial	9,886			124			170			—		10,180
	Residential real estate	25,909			—			787			—		26,696
	Construction and land development	4,548			—			—			—		4,548
	Government guaranteed	2,521			—			—			—		2,521
	Consumer	49			—			—			—		49
	Total	$	77,642		$	1,132		$	3,188		$	—	$	81,962
	As of December 31, 2013, and based on the most recent analysis performed during the month of December 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 December 31, 2013
		Pass			Special Mention			Substandard			Doubtful		Total
	CRE – owner occupied	$	18,533		$	179		$	2,252		$	—	$	20,964
	CRE – non-owner occupied	17,124			836			—			—		17,960
	Commercial and industrial	11,134			127			170			—		11,431
	Residential real estate	23,393			—			793			—		24,186
	Construction and land development	2,044			—			—			—		2,044
	Government guaranteed	2,605			—			—			—		2,605
	Consumer	50			—			—			—		50
	Total	$	74,883		$	1,142		$	3,215		$	—	$	79,240

Loans_Held_for_Sale_and_Intere1

Loans Held for Sale and Interest Rate Lock Commitments (Tables)	3 Months Ended
	Mar. 31, 2014
Loans Held For Sale And Interest Rate Lock Commitments [Abstract]	'
Schedule of Derivative Instruments	'
	The table below identifies the balance sheet category and fair values of the Bank's derivative instruments not designated as hedging instruments at March 31, 2014 and December 31, 2013.
	($ in thousands)
	Interest Rate Lock Commitments (Mortgage)	Notional Amount		Fair Value		Balance Sheet Category
	March 31, 2014	$	15,213	$	118	Other assets
	December 31, 2013	$	6,280	$	62	Other assets

Deposits_Tables

Deposits (Tables)	3 Months Ended
	Mar. 31, 2014
Deposits [Abstract]	'
Schedule Of Deposits	'
	Deposits are summarized as follows:
	($ in thousands)	March 31, 2014				December 31, 2013
		Amount		% of Total		Amount		% of Total
	Noninterest-bearing demand	$	6,118	5	%	$	6,362	5	%
	Interest-bearing demand	10,535		8	%	10,559		8	%
	Money market accounts	16,790		13	%	14,929		11	%
	Savings accounts	35,803		27	%	36,256		28	%
	Time deposits, less than $100,000	4,454		3	%	4,485		3	%
	Time deposits, $100,000 or more	58,330		44	%	60,253		45	%
	Total deposits	$	132,030	100	%	$	132,844	100	%

StockBased_Compensation_Tables

Stock-Based Compensation (Tables)	3 Months Ended
	Mar. 31, 2014
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 three months ended March 31, 2014:
		Options		Weighted-Average Grant Date Fair Value		Weighted-Average Exercise Price
	Outstanding at December 31, 2013	610,177		$	1.66	$	6.7
	Granted	—		—		—
	Exercised	(39,532	)	0.69		3.5
	Forfeited	(7,323	)	1.26		5.35
	Expired	(12,333	)	2.43		9
	Outstanding at March 31, 2014	550,989		$	1.71	$	6.89
	The following is a summary of the Company’s outstanding stock options and related activity for the three months ended March 31, 2013:
		Options		Weighted-Average Grant Date Fair Value		Weighted-Average Exercise Price
	Outstanding at December 31, 2012	523,500		$	1.65	$	6.72
	Granted	121,000		1.28		5.43
	Exercised	—		—		—
	Forfeited	—		—		—
	Expired	(4,479	)	1.4		6
	Outstanding at March 31, 2013	640,021		$	1.59	$	6.48

Noninterest_Expense_Tables

Noninterest Expense (Tables)	3 Months Ended
	Mar. 31, 2014
Noninterest Expense [Abstract]	'
Composition of general and administrative expenses	'
	The following table details the individual expense items greater than $25,000 that comprise other general and administrative expenses:
	($ in thousands)	Three Months Ended March 31,
		2014		2013
	Other general and administrative expenses:
	Data processing	$	151	$	117
	Other loan expenses	74		73
	Marketing and promotions	32		37
	Regulatory and reporting fees	33		33
	FDIC assessment	33		35
	Directors’ fees	25		27
	Telephone/communication	26		23
	Printing, stationery and supplies	26		15
	All other	103		109
	Total	$	503	$	469

Fair_Value_Tables

Fair Value (Tables)	3 Months Ended
	Mar. 31, 2014
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 March 31, 2014
	Investment securities, available-for-sale:
	Corporate	$	—		$	12,489	$	—	$	12,489
	State and municipal	—			15,283		—		15,283
	Residential agency MBS/CMOs	—			38,569		—		38,569
	Loans held for sale	—			8,266		—		8,266
	Interest rate lock commitments	—			118		—		118
	Assets at December 31, 2013
	Investment securities, available-for-sale:
	Corporate	$	—		$	12,979	$	—	$	12,979
	State and municipal	—			18,240		—		18,240
	Residential agency MBS/CMOs	—			38,620		—		38,620
	Loans held for sale	—			7,951		—		7,951
	Interest rate lock commitments	—			62		—		62
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 March 31, 2014
	Impaired loans (Financial)	$	—		$	—	$	—	$	—
	Other real estate owned (Non-financial)	$	—		$	—	$	1,881	$	1,881
	Assets at December 31, 2013
	Impaired loans (Financial)	$	—		$	—	$	—	$	—
	Other real estate owned (Non-financial)	$	—		$	—	$	1,881	$	1,881
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 March 31, 2014
	Financial Assets:	Value			Level 1		Level 2		Level 3		Total
	Cash and cash equivalents	$	1,054		$	1,054	$	—	$	—	$	1,054
	Interest-bearing deposits with banks	257			—		272		—		272
	Investment securities	66,341			—		66,341		—		66,341
	Loans, net	80,927			—		—		83,172		83,172
	Loans held for sale	8,266			—		8,266		—		8,266
	FHLB and FRB stocks	2,091			—		—		NA		NA
	Bank-owned life insurance	4,353			—		—		4,353		4,353
	Accrued interest receivable	674			—		422		252		674
	Interest rate lock commitments	118			—		118		—		118
	Financial Liabilities:
	Deposits, demand, savings and money market	$	69,246		$	—	$	69,246	$	—	$	69,246
	Time deposits	62,784			—		63,326		—		63,326
	Securities sold under agreements to repurchase and federal funds purchased	204			—		204		—		204
	FHLB advances	17,183			—		17,296		—		17,296
	Accrued interest payable	71			—		71		—		71
	($ in thousands)	Carrying			Fair Value Measurements at December 31, 2013
	Financial Assets:	Value			Level 1		Level 2		Level 3		Total
	Cash and cash equivalents	$	2,342		$	2,342	$	—	$	—	$	2,342
	Interest-bearing deposits with banks	257			—		272		—		272
	Investment securities	69,839			—		69,839		—		69,839
	Loans, net	78,170			—		—		79,153		79,153
	Loans held for sale	7,951			—		7,951		—		7,951
	FHLB and FRB stocks	2,346			—		—		NA		NA
	Bank-owned life insurance	4,316			—		—		4,316		4,316
	Accrued interest receivable	705			—		471		234		705
	Interest rate lock commitments	62			—		62		—		62
	Financial Liabilities:
	Deposits, demand, savings and money market	$	68,106		$	—	$	68,106	$	—	$	68,106
	Time deposits	64,738			—		65,254		—		65,254
	Securities sold under agreements to repurchase	54			—		54		—		54
	FHLB advances	18,308			—		18,429		—		18,429
	Accrued interest payable	63			—		63		—		63

Segment_Reporting_Tables

Segment Reporting (Tables)	3 Months Ended
	Mar. 31, 2014
Segment Reporting [Abstract]	'
Schedule of Segment Reporting Information, by Segment	'
	The following table presents the financial information from the Bank's two operating segments for the periods presented:
	($ in thousands)	Community Banking			Residential Mortgage Banking			Total
	Three Months Ended March 31, 2014
	Net interest income	$	1,162		$	137		$	1,299
	Provision for loan and lease losses	—			—			—
	Total noninterest income	149			855			1,004
	Total noninterest expense	1,503			1,169			2,672
	(Loss) before income taxes	$	(192	)	$	(177	)	$	(369	)
	Three Months Ended March 31, 2013
	Net interest income	$	1,025		$	25		$	1,050
	Provision for loan and lease losses	—			—			—
	Total noninterest income	249			1,414			1,663
	Total noninterest expense	1,160			1,372			2,532
	Income before income taxes	$	114		$	67		$	181
	Segment Assets
	March 31, 2014	$	144,061		$	24,077		$	168,138
	December 31, 2013	151,255			18,422			169,677
	Average Loans
	YTD March 31, 2014	$	71,951		$	12,062		$	84,013
	YTD December 31, 2013	$	66,717		$	12,841		$	79,558

Basis_of_Presentation_Details

Basis of Presentation - (Details) (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Line Items]	'	'
Net income / (loss)	($369)	$181
Weighted-average shares outstanding - basic (shares)	2,605,380	2,553,671
(Loss) earnings per share - basic (In dollars per share)	($0.14)	$0.07
Weighted-average common shares outstanding - diluted (shares)	2,605,380	2,612,528
(Loss) earnings per share - diluted (In dollars per share)	($0.14)	$0.07
Stock Options [Member]	'	'
Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Line Items]	'	'
Dilutive shares	0	50,437
Restricted Stock [Member]	'	'
Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Line Items]	'	'
Dilutive shares	0	8,420

Basis_of_Presentation_Narrativ

Basis of Presentation - Narrative (Details) (USD $)	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
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	$1,126	'	$1,116
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	'	'
Number of operating segments	2	2	2
Statement [Line Items]	'	'	'
Antidilutive Securities Excluded from Computation of Earnings Per Share (number)	407	483	'
Restricted Stock [Member]	'	'	'
Statement [Line Items]	'	'	'
Antidilutive Securities Excluded from Computation of Earnings Per Share (number)	12	'	'

Investments_Amortized_Cost_and

Investments - Amortized Cost and Estimated Fair Value of Investment Securities (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized Cost	$67,069	$71,331
Gross Unrealized Gains	420	353
Gross Unrealized Losses	-1,148	-1,845
Investment securities, available-for-sale	66,341	69,839
Corporate Debt Securities [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized Cost	12,592	13,210
Gross Unrealized Gains	146	113
Gross Unrealized Losses	-249	-344
Investment securities, available-for-sale	12,489	12,979
State and Municipal [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized Cost	15,712	19,157
Gross Unrealized Gains	74	69
Gross Unrealized Losses	-503	-986
Investment securities, available-for-sale	15,283	18,240
Residential agency MBS and CMOs [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized Cost	38,765	38,964
Gross Unrealized Gains	200	171
Gross Unrealized Losses	-396	-515
Investment securities, available-for-sale	$38,569	$38,620

Investments_Contractual_Maturi

Investments - Contractual Maturities of Investment Securities (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Securities available-for-sale:	'	'
Due within one year, amortized cost	$0	$0
Due after one year through five years, amortized cost	6,181	6,442
Due after five years through ten years, amortized cost	20,905	25,435
Due after ten years, amortized cost	39,983	39,454
Total securities available-for-sale, amortized cost	67,069	71,331
Due within one year, fair value	0	0
Due after one year through five years, fair value	6,299	6,557
Due after five years through ten years, fair value	20,361	24,339
Due after ten years, fair value	39,681	38,943
Investment securities, available-for-sale	$66,341	$69,839

Investments_Securities_in_a_Co

Investments - Securities in a Continuous Loss Position (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
	securities	securities
Securities Estimated Fair Value	'	'
Estimated Fair Value, Less than 12 months	$35,817	$40,531
Estimated Fair Value, 12 months or more	9,199	12,328
Total Estimated Fair Value	45,016	52,859
Securities Unrealized Losses	'	'
Unrealized Loss, Less than 12 months	-907	-1,466
Unrealized Loss, 12 months or more	-241	-379
Total Unrealized Losses	-1,148	-1,845
Number of Securities	'	'
Number of Securities, Less than 12 months	57	66
Number of Securities, 12 months or more	14	18
Total Number of Securities	71	84
Corporate Debt Securities [Member]	'	'
Securities Estimated Fair Value	'	'
Estimated Fair Value, Less than 12 months	5,017	5,544
Estimated Fair Value, 12 months or more	3,027	3,488
Total Estimated Fair Value	8,044	9,032
Securities Unrealized Losses	'	'
Unrealized Loss, Less than 12 months	-173	-223
Unrealized Loss, 12 months or more	-76	-121
Total Unrealized Losses	-249	-344
Number of Securities	'	'
Number of Securities, Less than 12 months	9	10
Number of Securities, 12 months or more	5	6
Total Number of Securities	14	16
State and Municipal [Member]	'	'
Securities Estimated Fair Value	'	'
Estimated Fair Value, Less than 12 months	11,904	15,482
Estimated Fair Value, 12 months or more	739	719
Total Estimated Fair Value	12,643	16,201
Securities Unrealized Losses	'	'
Unrealized Loss, Less than 12 months	-470	-932
Unrealized Loss, 12 months or more	-33	-54
Total Unrealized Losses	-503	-986
Number of Securities	'	'
Number of Securities, Less than 12 months	26	33
Number of Securities, 12 months or more	2	2
Total Number of Securities	28	35
Residential agency MBS and CMOs [Member]	'	'
Securities Estimated Fair Value	'	'
Estimated Fair Value, Less than 12 months	18,896	19,505
Estimated Fair Value, 12 months or more	5,433	8,121
Total Estimated Fair Value	24,329	27,626
Securities Unrealized Losses	'	'
Unrealized Loss, Less than 12 months	-264	-311
Unrealized Loss, 12 months or more	-132	-204
Total Unrealized Losses	($396)	($515)
Number of Securities	'	'
Number of Securities, Less than 12 months	22	23
Number of Securities, 12 months or more	7	10
Total Number of Securities	29	33

Investments_Proceeds_from_Sale

Investments - Proceeds from Sales of Available-for-sale Securities (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Investments, Debt and Equity Securities [Abstract]	'	'
Proceeds	$9,397	$5,729
Gross Gains	50	100
Gross Losses	$0	$0

Investments_Narrative_Details

Investments - Narrative (Details) (USD $)	3 Months Ended		12 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
	securities		securities
Schedule of Available-for-sale Securities [Line Items]	'	'	'
Other than Temporary Impairment Losses, Investments	$0	'	'
Number of securities in a continuous loss position, 12 months or more	14	'	18
Proceeds from the maturity/prepayment of investment securities	2,063,000	3,796,000	'
Available-for-sale securities due within one year	0	'	0
Available-for-sale Securities, Net Unrealized Gain (Loss)	-728,000	'	-1,492,000
Change in net unrealized gain/loss in the investment portfolio	764,000	100,000	'
Carrying values of securities pledged as collateral	$24,900,000	'	$26,400,000
Corporate Debt Securities [Member]	'	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'	'
Number of securities in a continuous loss position, 12 months or more	5	'	6
State and Municipal [Member]	'	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'	'
Number of securities in a continuous loss position, 12 months or more	2	'	2
Residential agency MBS and CMOs [Member]	'	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'	'
Number of securities in a continuous loss position, 12 months or more	7	'	10

Loans_Loan_Portfolio_Details

Loans - Loan Portfolio (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Loans and Leases Receivable Disclosure [Abstract]	'	'
Commercial real estate ('CRE')	$46,191	$47,063
Commercial and industrial	10,918	11,730
Residential real estate	20,934	17,889
Construction and land development	3,851	2,044
Consumer	68	514
Gross loans	81,962	79,240
Net deferred loan expenses / (fees)	91	46
Allowance for loan and lease losses	-1,126	-1,116
NET LOANS	$80,927	$78,170

Loans_Narrative_Details

Loans - Narrative (Details) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
	loan	loan
Loans and Leases Receivable Disclosure [Abstract]	'	'	'
Number of purchased loans (loans)	0	2	'
Principal balances of purchased loans	'	$170,000	'
Number of guaranteed portion of SBA 7(a) loans sold during the period (loans)	1	2	'
Guaranteed portion of SBA 7(a) loans sold during the period, amount	405,000	1,400,000	'
Gain on sale of guaranteed portion of SBA 7(a) note	44,000	144,000	'
Recognized Income from sale of guaranteed loans	34,000	111,000	'
Loans receivable from related parties	0	'	141,000
Legal lending limit to a single borrower	$2,600,000	'	'

Allowance_for_Loan_and_Lease_L2

Allowance for Loan and Lease Losses - Allowance Activity for Loan and Lease Losses (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Allowance for Loan and Lease Losses [Roll Forward]	'	'
Balance, beginning of period	$1,116	$1,063
Charge-offs	0	0
Recoveries	10	11
Provision for loan and lease losses	0	0
Balance, end of period	$1,126	$1,074

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
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Allowance for Loan and Lease Losses [Roll Forward]	'	'
Balance, beginning of period	$1,116	$1,063
Charge-offs	0	0
Recoveries	10	11
Provision for loan and lease losses	0	0
Balance, end of period	1,126	1,074
Commercial Real Estate Secured [Member]	'	'
Allowance for Loan and Lease Losses [Roll Forward]	'	'
Balance, beginning of period	655	784
Charge-offs	0	0
Recoveries	0	0
Provision for loan and lease losses	7	-24
Balance, end of period	662	760
Residential Real Estate Secured [Member]	'	'
Allowance for Loan and Lease Losses [Roll Forward]	'	'
Balance, beginning of period	312	222
Charge-offs	0	0
Recoveries	9	10
Provision for loan and lease losses	11	-5
Balance, end of period	332	227
Commercial and Industrial [Member]	'	'
Allowance for Loan and Lease Losses [Roll Forward]	'	'
Balance, beginning of period	149	57
Charge-offs	0	0
Recoveries	1	1
Provision for loan and lease losses	-18	18
Balance, end of period	132	76
Consumer [Member]	'	'
Allowance for Loan and Lease Losses [Roll Forward]	'	'
Balance, beginning of period	0	0
Charge-offs	0	0
Recoveries	0	0
Provision for loan and lease losses	0	11
Balance, end of period	$0	$11

Allowance_for_Loan_and_Lease_L4

Allowance for Loan and Lease Losses - Ending Balances in Loans and Allowance (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Loans [Abstract]	'	'
Individually evaluated for impairment	$0	$0
Collectively evaluated for impairment	81,962	79,240
Gross loans	81,962	79,240
Allowance for loan losses [Abstract]	'	'
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	1,126	1,116
Total	1,126	1,116
Commercial Real Estate Secured [Member]	'	'
Loans [Abstract]	'	'
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	38,665	38,924
Gross loans	38,665	38,924
Allowance for loan losses [Abstract]	'	'
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	662	655
Total	662	655
Residential Real Estate Secured [Member]	'	'
Loans [Abstract]	'	'
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	30,547	26,230
Gross loans	30,547	26,230
Allowance for loan losses [Abstract]	'	'
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	332	312
Total	332	312
Commercial and Industrial [Member]	'	'
Loans [Abstract]	'	'
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	12,701	14,036
Gross loans	12,701	14,036
Allowance for loan losses [Abstract]	'	'
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	132	149
Total	132	149
Consumer [Member]	'	'
Loans [Abstract]	'	'
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	49	50
Gross loans	49	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 $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
CRE - owner occupied	$19,564	$20,964
CRE - non-owner occupied	18,404	17,960
Commercial and industrial	10,180	11,431
Residential real estate	26,696	24,186
Construction and land development	4,548	2,044
Government guaranteed	2,521	2,605
Consumer	49	50
Gross loans	81,962	79,240
Commercial Real Estate Secured [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
CRE - owner occupied	19,564	20,964
CRE - non-owner occupied	18,404	17,960
Commercial and industrial	0	0
Residential real estate	0	0
Construction and land development	697	0
Government guaranteed	0	0
Consumer	0	0
Gross loans	38,665	38,924
Residential Real Estate Secured [Member]	'	'
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	26,696	24,186
Construction and land development	3,851	2,044
Government guaranteed	0	0
Consumer	0	0
Gross loans	30,547	26,230
Commercial and Industrial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
CRE - owner occupied	0	0
CRE - non-owner occupied	0	0
Commercial and industrial	10,180	11,431
Residential real estate	0	0
Construction and land development	0	0
Government guaranteed	2,521	2,605
Consumer	0	0
Gross loans	12,701	14,036
Consumer [Member]	'	'
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	0	0
Consumer	49	50
Gross loans	$49	$50

Allowance_for_Loan_and_Lease_L6

Allowance for Loan and Lease Losses - Credit Quality of Loans by Class (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment [Line Items]	'	'
CRE - owner occupied	$19,564	$20,964
CRE - non-owner occupied	18,404	17,960
Commercial and industrial	10,180	11,431
Residential real estate	26,696	24,186
Construction and land development	4,548	2,044
Government guaranteed	2,521	2,605
Consumer	49	50
Gross loans	81,962	79,240
Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
CRE - owner occupied	17,156	18,533
CRE - non-owner occupied	17,573	17,124
Commercial and industrial	9,886	11,134
Residential real estate	25,909	23,393
Construction and land development	4,548	2,044
Government guaranteed	2,521	2,605
Consumer	49	50
Gross loans	77,642	74,883
Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
CRE - owner occupied	177	179
CRE - non-owner occupied	831	836
Commercial and industrial	124	127
Residential real estate	0	0
Construction and land development	0	0
Government guaranteed	0	0
Consumer	0	0
Gross loans	1,132	1,142
Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
CRE - owner occupied	2,231	2,252
CRE - non-owner occupied	0	0
Commercial and industrial	170	170
Residential real estate	787	793
Construction and land development	0	0
Government guaranteed	0	0
Consumer	0	0
Gross loans	3,188	3,215
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	0	0
Consumer	0	0
Gross loans	$0	$0

Allowance_for_Loan_and_Lease_L7

Allowance for Loan and Lease Losses - Narrative (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
	loan	loan	loan
Loans and Leases Receivable, Allowance [Abstract]	'	'	'
Total number of impaired loans	0	'	0
Total troubled debt restructurings	$0	'	$0
Number of loans modified as TDRs	0	0	'
Loans restructured as TDRs during last twelve months	0	'	'
Number of loans 30-59 days past due	1	'	'
Loans 30 to 59 Days Past Due	135	'	'
Nonaccrual loans	0	'	0
Total loans past due	'	'	$0

Loans_Held_for_Sale_and_Intere2

Loans Held for Sale and Interest Rate Lock Commitments (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Notional amount of interest rate lock commitments (mortgage)	$15,213	$6,280
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)	$118	$62

Loans_Held_for_Sale_and_Intere3

Loans Held for Sale and Interest Rate Lock Commitments - Narrative (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Loans Held For Sale And Interest Rate Lock Commitments [Abstract]	'	'
Loans held for sale	$8,266	$7,951

Deposits_Schedule_of_Deposits_

Deposits - Schedule of Deposits (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Deposits [Abstract]	'	'
Noninterest-bearing demand	$6,118	$6,362
Interest-bearing demand	10,535	10,559
Money market accounts	16,790	14,929
Savings accounts	35,803	36,256
Time deposits, less than $100,000	4,454	4,485
Time Deposits, $100,000 or More	58,330	60,253
TOTAL DEPOSITS	$132,030	$132,844
Noninterest-bearing demand, Percent of Total	5.00%	5.00%
Interest-bearing demand, Percent of Total	8.00%	8.00%
Money market accounts, Percent of Total	13.00%	11.00%
Savings accounts, Percent of Total	27.00%	28.00%
Time deposits, less than $100,000, Percent of Total	3.00%	3.00%
Time deposits, $100,000 or more, Percent of Total	44.00%	45.00%
TOTAL DEPOSITS, Percent of Total	100.00%	100.00%

Deposits_Narrative_Details

Deposits - Narrative (Details) (USD $)	3 Months Ended	12 Months Ended
	Mar. 31, 2014	Dec. 31, 2013
Deposits [Abstract]	'	'
Related party deposits	$3,400,000	$3,100,000
Customer deposits acquired	'	6,000,000
Deposit premium, useful life	'	'7 years
Core deposit intangible, period end balance	412,000	'
Core deposit intangible, original balance	'	468,000
Impairment of Intangible Assets, Finite-lived	$0	$0

FHLB_Advances_Narrative_Detail

FHLB Advances - Narrative (Details) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
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	$8,500,000	'	$8,500,000
Federal Home Loan Bank, Fixed-rate advances, Branch of FHLB Bank, Due Date, Earliest	'2014	'	'2014
Federal Home Loan Bank, Fixed-rate advances, Branch of FHLB Bank, Due Date, Last	'2018	'	'2018
Federal Home Loan Bank, Fixed-rate advances, Branch of FHLB Bank, Weighted Average Interest Rate	1.73%	'	1.73%
Variable-rate advances by Federal Home Loan Bank	8,683,000	'	9,808,000
Federal Home Loan Bank, Variable-rate advances, Weighted Average Interest Rate	0.21%	'	0.19%
Interest Expense, FHLB Advances, Short-term	4,000	6,000	'
Interest Expense, FHLB Advances, Short and Long-term	40,000	39,000	'
Unsecured overnight funds, current borrowing capacity from correspondent banks	13,100,000	'	13,100,000
Unsecured overnight funds, borrowings outstanding from correspondent banks	$150,000	'	$0

StockBased_Compensation_Outsta

Stock-Based Compensation - Outstanding Stock Options and Related Activity (Details) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]	'	'
Number of Options Outstanding, Beginning	610,177	523,500
Number of Options Granted	0	121,000
Number of Options Exercised	-39,532	0
Number of Options Forfeited	-7,323	0
Number of Options Expired	-12,333	-4,479
Number of Options Outstanding, Ending	550,989	640,021
Weighted-Average Grant Date Fair Value, Beginning	$1.66	$1.65
Weighted Average Grant Date Fair Value Granted	$0	$1.28
Weighted Average Grant Date Fair Value Exercised	$0.69	$0
Weighted Average Grant Date Fair Value Forfeited	$1.26	$0
Weighted Average Grant Date Fair Value Expired	$2.43	$1.40
Weighted-Average Grant Date Fair Value, Ending	$1.71	$1.59
Weighted Average Exercise Price Outstanding, Beginning	$6.70	$6.72
Weighted Average Exercise Price Granted	$0	$5.43
Weighted Average Exercise Price Exercised	$3.50	$0
Weighted Average Exercise Price Forfeited	$5.35	$0
Weighted Average Exercise Price Expired	$9	$6
Weighted Average Exercise Price Outstanding, Ending	$6.89	$6.48

StockBased_Compensation_Narrat

Stock-Based Compensation - Narrative (Details) (USD $)	3 Months Ended		12 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013	Dec. 31, 2012
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'	'
Stock-Based Compensation Cost	$40	$48	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding (number)	32,000	18,750	'	'
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized, Stock Options	166	'	'	'
Unrecognized compensation, weighted-average period for recognition	'2 years 2 months 12 days	'	'	'
Company's 2012 Long-Term Incentive Plan [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	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Shares Available for Grant (shares)	75,000	'	'	'
Stock Options Expiration Date	'10 years	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	'4 years	'	'	'
Company's 2007 Stock Incentive Plan [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)	510,734	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Shares Available for Grant (shares)	64,000	'	'	'
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	'	'	'
Restricted Stock [Member]	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	'	'	'48 months	'
Stock-Based Compensation Cost	18	30	'	'
Unrecognized compensation, weighted-average period for recognition	'2 years 1 month 6 days	'	'	'
Stock Issued During Period, Shares, Restricted Stock Award, Gross (shares)	5,000	'	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	$5.76	'	$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, Equity Instruments Other than Options, Vested in Period	'	'	12,500	'
Additional Performance Based Stock Issued During Period, Shares, Restricted Stock Award, Gross (shares)	'	'	'	25,000
Maximum number of performance based restricted shares that vest annually, December 31, 2014 (shares)	5,000	'	'	'
Maximum number of performance based restricted shares that vest annually, December 31, 2015 (shares)	5,000	'	'	'
Maximum number of performance based restricted shares that vest annually, December 31, 2016 (shares)	5,000	'	'	'
Maximum number of performance based restricted shares that vest annually, December 31, 2017 (shares)	5,000	'	'	'
Maximum number of performance based restricted shares that vest annually, December 31, 2018 (shares)	5,000	'	'	'
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	$106	'	'	'
Shares, Outstanding (shares)	47,500	'	'	'

Noninterest_Expense_General_an

Noninterest Expense - General and Administrative Expense (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Noninterest Expense [Abstract]	'	'
Data processing	$151	$117
Other loan expenses	74	73
Marketing and promotions	32	37
Regulatory and reporting fees	33	33
FDIC assessment	33	35
Directors' fees	25	27
Telephone/communication	26	23
Printing, stationery and supplies	26	15
All other	103	109
Selling, General and Administrative Expense	$503	$469

Noninterest_Expense_Narrative_

Noninterest Expense - Narrative (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014
Noninterest Expense [Abstract]	'
Threshold for disaggregation of other general and administrative expense components	$25

Commitments_and_Contingencies_

Commitments and Contingencies - Narrative (Details) (USD $)	3 Months Ended	12 Months Ended
	Mar. 31, 2014	Dec. 31, 2013
Commitments and Contingencies Disclosure [Abstract]	'	'
Unfunded commitments	$34,800,000	$21,000,000
Outstanding unfunded commitments at variable rates	6,600,000	7,600,000
Outstanding unfunded commitments at fixed rates	19,300,000	9,500,000
Outstanding unfunded commitments with terms still being negotiated	8,900,000	3,900,000
Commitments to sell residential mortgage loans	8,100,000	7,800,000
Repurchases of loans under representations and warranties	0	'
Recourse reserve liability balance, at period end	$12,000	'

Fair_Value_Assets_and_Liabilit

Fair Value - Assets and Liabilities Measured on a Recurring Basis (Details) (Fair Value, Measurements, Recurring [Member], USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
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	0
Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]	'	'
Corporate Debt, at Fair Value	12,489	12,979
State and Municipal Government Obligations, at Fair Value	15,283	18,240
Residential agency MBS/CMOs, at Fair Value	38,569	38,620
Loans Held-for-sale, Fair Value Disclosure	8,266	7,951
Interest rate lock commitments	118	62
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	0
Estimate of Fair Value, Fair Value Disclosure [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring Basis [Abstract]	'	'
Corporate Debt, at Fair Value	12,489	12,979
State and Municipal Government Obligations, at Fair Value	15,283	18,240
Residential agency MBS/CMOs, at Fair Value	38,569	38,620
Loans Held-for-sale, Fair Value Disclosure	8,266	7,951
Interest rate lock commitments	$118	$62

Fair_Value_Assets_and_Liabilit1

Fair Value - Assets and Liabilities Measured on a Nonrecurring Basis (Details) (Fair Value, Measurements, Nonrecurring [Member], USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
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)	1,881	1,881
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)	$1,881	$1,881

Fair_Value_Valuation_Process_T

Fair Value - Valuation Process To Determine Recurring and Nonrecurring Fair Value Measurements (Details)	3 Months Ended
	Mar. 31, 2014
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 $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Interest-bearing deposits with banks	$257	$257
Investment securities	66,341	69,839
Bank-owned life insurance	4,353	4,316
Accrued interest receivable	674	705
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Cash and cash equivalents	1,054	2,342
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	0
Deposits, demand, savings and money market	0	0
Time deposits	0	0
Securities sold under agreements to repurchase and federal funds purchased	0	0
FHLB advances	0	0
Accrued interest payable	0	0
Fair Value, Measurements, Recurring [Member] | 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	272	272
Investment securities	66,341	69,839
Loans, net	0	0
Loans held for sale	8,266	7,951
FHLB and FRB stocks	0	0
Bank-owned life insurance	0	0
Accrued interest receivable	422	471
Interest rate lock commitments	118	62
Deposits, demand, savings and money market	69,246	68,106
Time deposits	63,326	65,254
Securities sold under agreements to repurchase and federal funds purchased	204	54
FHLB advances	17,296	18,429
Accrued interest payable	71	63
Fair Value, Measurements, Recurring [Member] | 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	83,172	79,153
Loans held for sale	0	0
Bank-owned life insurance	4,353	4,316
Accrued interest receivable	252	234
Interest rate lock commitments	0	0
Deposits, demand, savings and money market	0	0
Time deposits	0	0
Securities sold under agreements to repurchase and federal funds purchased	0	0
FHLB advances	0	0
Accrued interest payable	0	0
Fair Value, Measurements, Recurring [Member] | 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	1,054	2,342
Interest-bearing deposits with banks	272	272
Investment securities	66,341	69,839
Loans, net	83,172	79,153
Loans held for sale	8,266	7,951
Bank-owned life insurance	4,353	4,316
Accrued interest receivable	674	705
Interest rate lock commitments	118	62
Deposits, demand, savings and money market	69,246	68,106
Time deposits	63,326	65,254
Securities sold under agreements to repurchase and federal funds purchased	204	54
FHLB advances	17,296	18,429
Accrued interest payable	71	63
Fair Value, Measurements, Recurring [Member] | Carrying (Reported) Amount, Fair Value Disclosure [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Cash and cash equivalents	1,054	2,342
Interest-bearing deposits with banks	257	257
Investment securities	66,341	69,839
Loans, net	80,927	78,170
Loans held for sale	8,266	7,951
FHLB and FRB stocks	2,091	2,346
Bank-owned life insurance	4,353	4,316
Accrued interest receivable	674	705
Interest rate lock commitments	118	62
Deposits, demand, savings and money market	69,246	68,106
Time deposits	62,784	64,738
Securities sold under agreements to repurchase and federal funds purchased	204	54
FHLB advances	17,183	18,308
Accrued interest payable	$71	$63

Fair_Value_Narrative_Details

Fair Value - Narrative (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
	loan	loan
Fair Value Disclosures [Abstract]	'	'
Transfers in or out of fair value hierarchy levels	$0	$0
Total number of impaired loans	0	0
OREO, carrying amount	$1,746	$1,746

Segment_Reporting_Details

Segment Reporting (Details) (USD $)	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Segment Reporting Information [Line Items]	'	'	'
Net interest income	$1,299	$1,050	'
Provision for loan and lease losses	0	0	'
Total noninterest income	1,004	1,663	'
Total noninterest expense	2,672	2,532	'
(Loss)/Income before income taxes	-369	181	'
Segment Assets	168,138	'	169,677
Average Loans	84,013	'	79,558
Community Banking [Member]	'	'	'
Segment Reporting Information [Line Items]	'	'	'
Net interest income	1,162	1,025	'
Provision for loan and lease losses	0	0	'
Total noninterest income	149	249	'
Total noninterest expense	1,503	1,160	'
(Loss)/Income before income taxes	-192	114	'
Segment Assets	144,061	'	151,255
Average Loans	71,951	'	66,717
Residential Mortgage Banking [Member]	'	'	'
Segment Reporting Information [Line Items]	'	'	'
Net interest income	137	25	'
Provision for loan and lease losses	0	0	'
Total noninterest income	855	1,414	'
Total noninterest expense	1,169	1,372	'
(Loss)/Income before income taxes	-177	67	'
Segment Assets	24,077	'	18,422
Average Loans	$12,062	'	$12,841

Segment_Reporting_Narrative_De

Segment Reporting - Narrative (Details) (USD $)	3 Months Ended		12 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Segment Reporting [Abstract]	'	'	'
Number of operating segments	2	2	2
Amount of residential mortgage loans refinanced	$5,000,000	$19,900,000	'
Amount of residential mortgage loans funded for a new home purchase	25,800,000	32,300,000	'
Severance costs incurred	102,000	'	'
Expenses incurred related to contested proxy	$80,000	'	'

Legal_Contingencies_Narrative_

Legal Contingencies - Narrative (Details)	Mar. 31, 2014
Commitments and Contingencies Disclosure [Abstract]	'
Percentage ownership of majority shareholder	22.00%