Bank of the Carolinas (BCAR) 10-Q 15 May 14 2014 Q1 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	3 Months Ended
	Mar. 31, 2014	15-May-14
Document Information [Line Items]	'	'
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	31-Mar-14	'
Document Fiscal Year Focus	'2014	'
Document Fiscal Period Focus	'Q1	'
Trading Symbol	'BCAR	'
Entity Registrant Name	'Bank of the Carolinas CORP	'
Entity Central Index Key	'0001365997	'
Current Fiscal Year End Date	'--12-31	'
Entity Filer Category	'Smaller Reporting Company	'
Entity Common Stock, Shares Outstanding	'	3,895,840

Consolidated_Balance_Sheets

Consolidated Balance Sheets (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, except Share data, unless otherwise specified
Assets:	'	'
Cash and due from banks, noninterest-bearing	$12,846	$12,778	[1]
Interest-bearing deposits in banks	2,209	2,064	[1]
Cash and cash equivalents	15,055	14,842	[1]
Federal funds sold	24,755	19,580	[1]
Investment securities	90,558	90,315	[1]
Loans receivable	277,869	278,510	[1]
Less: Allowance for loan losses	-7,111	-6,015	[1]
Loans, net	270,758	272,495	[1]
Premises and equipment	11,190	11,274	[1]
Other real estate owned	2,092	1,233	[1]
Bank owned life insurance	10,973	10,888	[1]
Deferred tax assets	'	'	[1]
Accrued interest receivable	1,092	1,156	[1]
Other assets	1,574	1,867	[1]
Total Assets	428,047	423,650	[1]
Deposits:	'	'
Noninterest-bearing demand deposits	33,914	35,243	[1]
Interest-checking deposits	42,651	40,939	[1]
Savings and money market deposits	112,080	109,419	[1]
Time deposits	181,045	180,549	[1]
Total deposits	369,690	366,150	[1]
Securities sold under agreements to repurchase	45,722	45,388	[1]
Subordinated debt	7,855	7,855	[1]
Other liabilities	2,791	2,509	[1]
Total Liabilities	426,058	421,902	[1]
Commitments and contingencies (Note 6)	'	'	[1]
Stockholders' Equity:	'	'
Preferred stock, no par value	13,179	13,179	[1]
Discount on preferred stock	-16	-100	[1]
Common stock, $5 per share par value	19,479	19,479	[1]
Additional paid-in capital	12,991	12,991	[1]
Retained deficit	-40,028	-38,422	[1]
Accumulated other comprehensive loss	-3,616	-5,379	[1]
Total Stockholders' Equity	1,989	1,748	[1]
Total Liabilities and Stockholders' Equity	428,047	423,650	[1]
Preferred shares authorized	3,000,000	3,000,000	[1]
Preferred shares issued	13,179	13,179	[1]
Preferred shares outstanding	13,179	13,179	[1]
Unaccrued preferred stock dividend	$2,059	$1,894	[1]
Common shares authorized	15,000,000	15,000,000	[1]
Common shares issued	3,895,840	3,895,840	[1]
Common shares outstanding	3,895,840	3,895,840	[1]
[1]	Derived from audited consolidated financial statements.

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets (Parenthetical) (USD $)	Mar. 31, 2014	Dec. 31, 2013
Preferred stock, par value	'	'	[1]
Common stock, par value	$5	$5	[1]
[1]	Derived from audited consolidated financial statements.

Consolidated_Statements_of_Ope

Consolidated Statements of Operations (USD $)	3 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Interest income	'	'
Interest and fees on loans	$3,193	$3,216
Interest on securities	538	589
Other interest income	18	14
Total interest income	3,749	3,819
Interest expense	'	'
Interest on deposits	527	621
Interest on borrowed funds	557	557
Total interest expense	1,084	1,178
Net interest income	2,665	2,641
Provision for loan losses	1,062	-1,146
Net interest income after provision for loan losses	1,603	3,787
Noninterest income	'	'
Customer service fees	291	281
Increase in value of bank owned life insurance	85	87
Gains on sales of investment securities	'	'
Other income (loss)	14	-2
Total noninterest income	390	366
Noninterest expense	'	'
Salaries and benefits	1,590	1,598
Occupancy and equipment	472	452
FDIC insurance assessments	363	367
Data processing services	261	269
Valuation provisions and net operating costs associated with foreclosed real estate	39	365
Other	790	668
Total noninterest expense	3,515	3,719
Income (loss) before income taxes	-1,522	434
Provision for income taxes	'	297
Net income (loss)	-1,522	137
Dividends and accretion on preferred stock	-249	-243
Net loss available to common stockholders	($1,771)	($106)
Loss per common share:	'	'
Basic	($0.45)	($0.03)
Diluted	($0.45)	($0.03)

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Loss (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Net income (loss)	($1,522)	$137
Other comprehensive income (loss):	'	'
Unrealized holding gains (losses) on securities available for sale	1,763	-380
Reclassification adjustment for gains realized in net income (loss)	'	'
Income tax effect	'	146
Total other comprehensive income (loss), net of income tax effect	1,763	-234
Total comprehensive income (loss)	$241	($97)

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014		Mar. 31, 2013
Cash flows from operating activities:	'		'
Net income (loss)	($1,522)		$137
Adjustments to reconcile net income (loss) to net cash provided by operating activities:	'		'
Provision for loan losses	1,062		-1,146
Deferred tax expense	'		297
Depreciation and amortization	168		174
Change in valuation allowance on other real estate owned	'		349
(Gain) loss on sale of other real estate owned	11		-47
Loss on disposal of premises and equipment	'		8
Increase in bank owned life insurance	-85		-87
Net amortization/accretion of premiums and discounts on investments	95		143
Net change in other assets	218		502
Net change in other liabilities	281		-42
Net cash provided by operating activities	228		288
Cash flows from investing activities:	'		'
Net change in federal funds sold	-5,175		2,440
Purchases of premises and equipment	-84		-22
Proceeds from sales, calls, maturities and principal repayments of securities available for sale	1,425		6,742
Redemption of FHLB stock	140		205
Proceeds from sales of other real estate owned	202		1,116
Net (increase) decrease in loans	-397		1,832
Net cash provided (used) by investing activities	-3,889		12,313
Cash flows from financing activities:	'		'
Net increase (decrease) in deposits	3,540		-6,505
Net increase in repurchase agreements	334		1,138
Cash dividends paid on preferred stock	'		'
Net cash provided (used) by financing activities	3,874		-5,367
Net increase in cash and cash equivalents	213		7,234
Cash and cash equivalents at beginning of period	14,842	[1]	7,786
Cash and cash equivalents at end of period	15,055		15,020
Supplemental disclosure of cash flow information:	'		'
Cash paid during the period for interest	1,021		1,123
Noncash investing and financing activities:	'		'
Change in fair value of securities available for sale	1,764		-380
Transfer from loans to other real estate owned	$1,072		$326
[1]	Derived from audited consolidated financial statements.

Consolidated_Statements_of_Cha

Consolidated Statements of Changes in Stockholders' Equity (USD $)	Total		Preferred Stock	Discount on Preferred Stock	Common Stock	Additional Paid-in Capital	Retained Deficit	Accumulated Other Comprehensive Income (Loss)
In Thousands, except Share data
Beginning Balance at Dec. 31, 2012	$9,065		$13,179	($419)	$19,479	$12,991	($36,748)	$583
Beginning Balance (in shares) at Dec. 31, 2012	'		13,179	'	3,895,840	'	'	'
Net income	137		'	'	'	'	137	'
Other comprehensive income (loss)	-234		'	'	'	'	'	-234
Discount accretion on preferred stock	'		'	78	'	'	-78	'
Dividends accrued on preferred stock	'		'	'	'	'	'	'
Ending Balance at Mar. 31, 2013	8,968		13,179	-341	19,479	12,991	-36,689	349
Ending Balance (in shares) at Mar. 31, 2013	'		13,179	'	3,895,840	'	'	'
Beginning Balance at Dec. 31, 2013	1,748	[1]	13,179	-100	19,479	12,991	-38,422	-5,379
Beginning Balance (in shares) at Dec. 31, 2013	'		13,179	'	3,895,840	'	'	'
Net income	-1,522		'	'	'	'	-1,522	'
Other comprehensive income (loss)	1,763		'	'	'	'	'	1,763
Discount accretion on preferred stock	'		'	84	'	'	-84	'
Dividends accrued on preferred stock	'		'	'	'	'	'	'
Ending Balance at Mar. 31, 2014	$1,989		$13,179	($16)	$19,479	$12,991	($40,028)	($3,616)
Ending Balance (in shares) at Mar. 31, 2014	'		13,179	'	3,895,840	'	'	'
[1]	Derived from audited consolidated financial statements.

BASIS_OF_PRESENTATION

BASIS OF PRESENTATION	3 Months Ended
	Mar. 31, 2014
BASIS OF PRESENTATION	'
	NOTE 1. BASIS OF PRESENTATION
	In the opinion of management, the financial information included in these unaudited financial statements reflects all adjustments (consisting of normal recurring adjustments) necessary for a fair presentation of the financial information as of March 31, 2014 and December 31, 2013 and for the three-month periods ended March 31, 2014 and 2013, in conformity with accounting principles generally accepted in the United States of America.
	The preparation of financial statements requires management to make estimates and assumptions that affect reported amounts of assets and liabilities at the date of the financial statements, as well as the amounts of income and expense during the reporting period. Actual results could differ from those estimates. Operating results for the three-month period ended March 31, 2014 are not necessarily indicative of the results that may be expected for the fiscal year ending December 31, 2014.
	The results presented here are for Bank of the Carolinas Corporation (“the Company”), the parent company of Bank of the Carolinas (“the Bank”). The organization and business of the Company, accounting policies followed by the Company and other relevant information are contained in the notes to the financial statements filed as part of the Company’s annual report on Form 10-K for the year ended December 31, 2013. This quarterly report should be read in conjunction with the annual report. Because the Company has no separate operations and conducts no business on its own other than owning the Bank, this discussion concerns primarily the business of the Bank. However, because the financial statements are presented on a consolidated basis, the Company and the Bank are collectively referred to as “the Company” unless otherwise noted.

EARNINGS_PER_SHARE

EARNINGS PER SHARE	3 Months Ended
	Mar. 31, 2014
EARNINGS PER SHARE	'
	NOTE 2. EARNINGS PER SHARE
	Basic earnings (loss) per share represents income (loss) available to common stockholders divided by the weighted average number of common shares outstanding during the period. When applicable, the weighted average shares outstanding for the diluted earnings per share computations are adjusted to reflect the assumed conversion of shares available under stock options using the treasury stock method.
	Earnings (loss) per share have been computed based on the following (dollars in thousands):
		Three months ended
		March 31,
		2014			2013
	Net loss applicable to common stockholders	$	(1,771	)	$	(106	)
	Weighted average number of common shares outstanding		3,895,840			3,895,840
	Weighted average number of diluted common shares outstanding		3,895,840			3,895,840
	Common stock options and common stock warrants - anti-dilutive		497,605			497,605
	The common stock warrants referred to above were issued to the United States Treasury in connection with the Company’s April 17, 2009 participation in the Capital Purchase Program, which was authorized as a part of the TARP legislation passed by Congress during 2008.

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	3 Months Ended
	Mar. 31, 2014
INVESTMENT SECURITIES	'
	NOTE 3. INVESTMENT SECURITIES
	The amortized cost, estimated fair values and carrying values of the investment securities portfolios at the indicated dates are summarized as follows (dollars in thousands):
		March 31, 2014
		Amortized		Gross		Gross		Estimated		Carrying
		Cost		Unrealized		Unrealized		Fair Value		Value
				Gains		Losses
	Investment securities available for sale:
	U.S. Government agencies securities	$	43,749	$	70	$	2,267	$	41,552	$	41,552
	State and municipal bonds		11,143		6		604		10,545		10,545
	Mortgage-backed securities		38,282		44		865		37,461		37,461
	Total investment securities available for sale		93,174		120		3,736		89,558		89,558
	Investment securities held to maturity:
	Corporate securities		1,000		—		180		820		1,000
	Total investment securities	$	94,174	$	120	$	3,916	$	90,378	$	90,558
		31-Dec-13
		Amortized		Gross		Gross		Estimated		Carrying
		Cost		Unrealized		Unrealized		Fair Value		Value
				Gains		Losses
	Investment securities available for sale:
	U.S. Government agencies securities	$	44,077	$	87	$	3,234	$	40,930	$	40,930
	State and municipal bonds		11,159		—		978		10,181		10,181
	Mortgage-backed securities		39,458		34		1,288		38,204		38,204
	Total investment securities available for sale		94,694		121		5,500		89,315		89,315
	Investment securities held to maturity:
	Corporate securities		1,000		—		180		820		1,000
	Total investment securities	$	95,694	$	121	$	5,680	$	90,135	$	90,315
	Management of the Bank believes all unrealized losses on available for sale securities as of March 31, 2014 represent temporary impairments related to market fluctuations. The unrealized losses on our securities are a nominal portion of the total value of the portfolio. The Bank has no intention of selling these securities before their maturity and has the appropriate sources of liquidity to hold these securities until maturity in order to minimize the likelihood that recognized losses will occur.
	The fair values of securities with unrealized losses at March 31, 2014 and December 31, 2013 are as follows (dollars in thousands):
	March 31, 2014:
		Less than 12 Months				12 Months or More				Total
	Temporarily impaired securities:	Estimated		Unrealized		Estimated		Unrealized		Estimated		Unrealized
		Fair Value		Losses		Fair Value		Losses		Fair Value		Losses
	U.S. Government agency securities	$	36,457	$	1,893	$	3,612	$	374	$	40,069	$	2,267
	State and municipal bonds		6,582		421		2,846		183		9,428		604
	Mortgage-backed securities		32,437		865		—		—		32,437		865
	Corporate securities		—		—		820		180		820		180
	Total	$	75,476	$	3,179	$	7,278	$	737	$	82,754	$	3,916
	December 31, 2013:
		Less than 12 Months				12 Months or More				Total
	Temporarily impaired securities:	Estimated		Unrealized		Estimated		Unrealized		Estimated		Unrealized
		Fair Value		Losses		Fair Value		Losses		Fair Value		Losses
	U.S. Government agency securities	$	35,679	$	2,731	$	3,482	$	503	$	39,161	$	3,234
	State and municipal bonds		7,835		723		2,346		255		10,181		978
	Mortgage-backed securities		34,564		1,287		528		1		35,092		1,288
	Corporate securities		—		—		820		180		820		180
	Total	$	78,078	$	4,741	$	7,176	$	939	$	85,254	$	5,680

LOANS

LOANS	3 Months Ended
	Mar. 31, 2014
LOANS	'
	NOTE 4. LOANS
	The loan portfolio as of the dates indicated is summarized below (dollars in thousands):
		March 31,			December 31,
		2014			2013
	Real estate loans:
	Residential, 1-4 family	$	87,034		$	84,855
	Commercial real estate		116,027			117,463
	Construction and development		22,744			27,049
	Home equity		27,541			28,217
	Total real estate loans		253,346			257,584
	Commercial business and other loans		20,605			17,428
	Consumer loans:
	Installment		3,010			2,554
	Other		908			944
	Total consumer loans		3,918			3,498
	Gross loans receivable		277,869			278,510
	Allowance for loan losses		(7,111	)		(6,015	)
	Loans, net	$	270,758		$	272,495
	Impaired loans, segregated by class of loans, are summarized as follows as of the dates indicated (dollars in thousands):
		March 31, 2014												December 31, 2013
		Recorded			Unpaid			Related		Average		Interest		Recorded		Unpaid		Related		Average		Interest
		Investment			Principal			Allowance		Recorded		Income		Investment		Principal		Allowance		Recorded		Income
					Balance					Investment		Recognized				Balance				Investment		Recognized
	With no related allowance:
	Commercial - Non Real Estate	$	979		$	1,175		$	—	$	1,205	$	17	$	1,099	$	1,305	$	—	$	1,384	$	79
	Commercial Real Estate
	Owner occupied		2,431			2,738			—		2,819		37		3,480		4,062		—		4,365		239
	Income producing		3,534			3,701			—		3,713		42		3,734		3,887		—		3,938		183
	Multifamily		—			—			—		—		—		—		—		—		—		—
	Construction & Development
	1 - 4 Family		—			—			—		—		—		—		—		—		—		—
	Other		1,512			1,852			—		1,868		26		1,545		1,881		—		1,981		112
	Farmland		135			156			—		193		4		252		273		—		340		26
	Residential
	Equity Lines		147			153			—		153		2		95		101		—		105		3
	1 - 4 Family		4,674			5,088			—		5,393		64		5,632		6,198		—		6,281		322
	Junior Liens		193			216			—		217		3		196		218		—		223		12
	Consumer - Non Real Estate		67			67			—		68		1		68		68		—		70		4
	Total loans with no allowance	$	13,672		$	15,146		$	—	$	15,629	$	196	$	16,101	$	17,993	$	—	$	18,687	$	980
	With an allowance recorded:
	Commercial - Non Real Estate	$	1,242		$	1,242		$	24	$	1,260	$	11	$	1,205	$	1,205	$	25	$	1,282	$	45
	Commercial Real Estate
	Owner occupied		3,796			3,796			92		3,807		39		3,666		3,666		77		3,727		166
	Income producing		7,231			7,286			750		7,318		92		7,287		7,343		126		7,465		382
	Multifamily		1,215			1,248			82		1,255		11		1,226		1,259		12		1,273		45
	Construction & Development
	1 - 4 Family		357			363			7		365		5		360		366		8		371		19
	Other		3,170			3,170			732		3,175		28		3,176		3,181		107		3,224		118
	Farmland		—			—			—		—		—		—		—		—		—		—
	Residential
	Equity Lines		—			—			—		—		—		—		—		—		—		—
	1 - 4 Family		7,019			7,037			211		7,062		71		6,778		6,795		204		6,893		279
	Junior Liens		336			338			3		339		5		339		341		4		345		19
	Consumer - Non Real Estate		7			7			—		8		—		8		8		—		11		—
	Total loans with an allowance	$	24,373		$	24,487		$	1,901	$	24,589	$	262	$	24,045	$	24,164	$	563	$	24,591	$	1,073
	Total:
	Commercial - Non Real Estate	$	2,221		$	2,417		$	24	$	2,465	$	28	$	2,304	$	2,510	$	25	$	2,666	$	124
	Commercial Real Estate	$	18,207		$	18,769		$	924	$	18,912	$	221	$	19,393	$	20,217	$	215	$	20,768	$	1,015
	Construction & Development	$	5,174		$	5,541		$	739	$	5,601	$	63	$	5,333	$	5,701	$	115	$	5,916	$	275
	Residential	$	12,369		$	12,832		$	214	$	13,164	$	145	$	13,040	$	13,653	$	208	$	13,847	$	635
	Consumer - Non Real Estate	$	74		$	74		$	—	$	76	$	1	$	76	$	76	$	—	$	81	$	4
	Totals	$	38,045		$	39,633		$	1,901	$	40,218	$	458	$	40,146	$	42,157	$	563	$	43,278	$	2,053
	Impaired loans include loans whose contractual terms have been restructured in a manner that grants a concession to a borrower experiencing financial difficulties. Troubled debt restructurings (TDRs) are a subset of impaired loans and totaled $36.0 million at March 31, 2014 and $37.5 million at December 31, 2013.
The following tables illustrate TDR information for the three months ended March 31, 2014 and 2013 (dollars in thousands):
	For the three months ended March 31, 2014
Troubled Debt Restructuring	Number of			Pre-Modification			Post-Modification
	Contracts			Recorded			Recorded
				Investment			Investment
Commercial - Non Real Estate		1		$	61		$	61
Commercial - Real Estate		1			22			22
Construction & Development		—			—			—
Residential		—			—			—
Consumer - Non Real Estate		—			—			—
Totals		2		$	83		$	83
	For the three months ended March 31, 2013
Troubled Debt Restructuring	Number of			Pre-Modification			Post-Modification
	Contracts			Recorded			Recorded
				Investment			Investment
Commercial - Non Real Estate		1		$	32		$	32
Commercial - Real Estate		1			238			238
Construction & Development		—			—			—
Residential		2			293			293
Consumer - Non Real Estate		—			—			—
Totals		4		$	563		$	563
For the purposes of this report, default is defined as being 90-days past due or on non-accrual status without performance. There were no loans restructured in the twelve months prior to March 31, 2014 and 2013 that went into default during the three-month periods ended March 31, 2014 and 2013.
Some loan modifications classified as TDRs may not ultimately result in the full collection of principal and interest, as modified, and may result in potential incremental losses. These potential incremental losses have been factored into our overall allowance for loan losses estimate. The level of any re-defaults will likely be affected by future economic conditions. Once a loan becomes a TDR, it will continue to be reported as a TDR until it is ultimately repaid in full, reclassified to loans held for sale, or foreclosed and sold. Included in the allowance for loan losses at March 31, 2014 and 2013 was an impairment reserve for TDRs in the amount of $1.2 million and $746,000, respectively.
Non-accrual loans and an age analysis of past due loans, segregated by class of loans, were as follows (dollars in thousands):
	30 - 59			60 - 89			90 Days		Total		Current		Total		90 Days		Non-accrual
	Days			Days			or More		Past Due				Loans		Past Due		Loans
	Past Due			Past Due			Past Due								and Still
															Accruing
March 31, 2014:
Commercial - Non Real Estate	$	218		$	—		$	105	$	323	$	20,282	$	20,605	$	—	$	291
Commercial Real Estate
Owner occupied		104			—			—		104		56,630		56,734		—		629
Income producing		—			—			325		325		51,338		51,663		—		325
Multifamily		—			—			—		—		7,630		7,630		—		—
Construction & Development
1 - 4 Family		—			—			—		—		1,761		1,761		—		—
Other		2,433			—			240		2,673		17,899		20,572		—		2,999
Farmland		—			—			136		136		275		411		—		136
Residential
Equity Lines		168			—			75		243		27,298		27,541		—		147
1 - 4 Family		175			—			173		348		85,633		85,981		—		772
Junior Liens		—			—			26		26		1,027		1,053		—		52
Consumer - Non Real Estate		16			3			—		19		2,991		3,010		—		6
Other		—			—			—		—		908		908		—		—
Total	$	3,114		$	3		$	1,080	$	4,197	$	273,672	$	277,869	$	—	$	5,357
	30 - 59			60 - 89			90 Days		Total		Current		Total		90 Days		Non-accrual
	Days			Days			or More		Past Due				Loans		Past Due		Loans
	Past Due			Past Due			Past Due								and Still
															Accruing
December 31, 2013:
Commercial - Non Real Estate	$	46		$	—		$	154	$	200	$	17,228	$	17,428	$	—	$	463
Commercial Real Estate
Owner occupied		—			77			684		761		57,154		57,915		—		1,689
Income producing		—			—			503		503		51,297		51,800		—		503
Multifamily		—			—			—		—		7,748		7,748		—		—
Construction & Development
1 - 4 Family		—			—			—		—		1,745		1,745		—		—
Other		158			—			240		398		24,375		24,773		—		599
Farmland		—			—			252		252		279		531		—		252
Residential
Equity Lines		75			9			—		84		28,133		28,217		—		95
1 - 4 Family		157			242			355		754		82,995		83,749		—		1,128
Junior Liens		—			—			26		26		1,080		1,106		—		53
Consumer - Non Real Estate		1			2			—		3		2,551		2,554		—		6
Other		—			—			—		—		944		944		—		—
Total	$	437		$	330		$	2,214	$	2,981	$	275,529	$	278,510	$	—	$	4,788
The Bank categorizes loans and leases into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. This categorization is made on all commercial, commercial real estate, and construction and development loans. The Bank uses the following definitions for risk ratings:
Pass – Loans and leases classified as pass should be performing relatively close to expectations, with adequate evidence that the borrower is continuing to generate adequate cash flow to service debt. There should be no significant departure from the intended source and timing of repayment, and there should be no undue reliance on secondary sources of repayment. To the extent that some variance exists in one or more criteria being measured, it may be offset by the relative strength of other factors and/or collateral pledged to secure the transaction.
Special Mention - Loans and leases classified as special mention, while still adequately protected by the borrower’s capital adequacy and payment capability, exhibit distinct weakening trends and/or elevated levels of exposure to external conditions. If left unchecked or uncorrected, these potential weaknesses may result in deteriorated prospects of repayment. These exposures require management’s close attention so as to avoid becoming undue or unwarranted credit exposures.
Substandard - Loans and leases classified as substandard are inadequately protected by the borrower’s current financial condition and payment capability or of the collateral pledged, if any. Loans and leases so classified have a well-defined weakness or weaknesses that jeopardize the orderly repayment of debt. They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.
Doubtful - Loans and leases classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or orderly repayment in full, on the basis of current existing facts, conditions and values, highly questionable and improbable. Possibility of loss is extremely high, but because of certain important and reasonably specific factors that may work to the advantage and strengthening of the exposure, its classification as an estimated loss is deferred until its more exact status may be determined. The Company’s practice is to charge-off the portion of the loan amount determined to be doubtful in the quarter that the determination is made if the repayment of the loan is collateral dependent.
Loss - Loans and leases classified as loss are considered to be non-collectible and of such little value that their continuance as bankable assets is not warranted. This does not mean the loan has absolutely no recovery value, but rather it is neither practical nor desirable to defer writing off the loan, even though partial recovery may be obtained in the future. Losses are taken in the period in which they surface as uncollectible.
Commercial loans that do not require individual analysis as part of the above described process are considered to be pass-rated loans. As of March 31, 2014 and December 31, 2013, and based on the most recent analysis performed, the loans and leases were categorized as follows (dollars in thousands):
	March 31, 2014
Internal Risk Rating Grades	Pass			Special			Substandard		Doubtful		Loss
				Mention
Commercial - Non Real Estate	$	16,715		$	3,004		$	886	$	—	$	—
Commercial Real Estate
Owner occupied		47,957			4,325			4,452		—		—
Income producing		34,048			11,705			5,910		—		—
Multifamily		5,827			1,803			—		—		—
Construction & Development
1 - 4 Family		1,159			245			357		—		—
Other		14,320			1,936			4,316		—		—
Farmland		275			—			136		—		—
Totals	$	120,301		$	23,018		$	16,057	$	—	$	—
Total:
Commercial - Non Real Estate	$	16,715		$	3,004		$	886	$	—	$	—
Commercial Real Estate	$	87,832		$	17,833		$	10,362	$	—	$	—
Construction & Development	$	15,754		$	2,181		$	4,809	$	—	$	—
Totals	$	120,301		$	23,018		$	16,057	$	—	$	—
	31-Dec-13
Internal Risk Rating Grades	Pass			Special			Substandard		Doubtful		Loss
				Mention
Commercial - Non Real Estate	$	13,289		$	3,157		$	982	$	—	$	—
Commercial Real Estate
Owner occupied		47,207			6,009			4,699		—		—
Income producing		33,875			10,501			7,424		—		—
Multifamily		5,925			1,823			—		—		—
Construction & Development
1 - 4 Family		1,133			252			360		—		—
Other		17,122			3,265			4,386		—		—
Farmland		279			—			252		—		—
Totals	$	118,830		$	25,007		$	18,103	$	—	$	—
Total:
Commercial - Non Real Estate	$	13,289		$	3,157		$	982	$	—	$	—
Commercial Real Estate	$	87,007		$	18,333		$	12,123	$	—	$	—
Construction & Development	$	18,534		$	3,517		$	4,998	$	—	$	—
Totals	$	118,830		$	25,007		$	18,103	$	—	$	—
All consumer-related loans, including residential real estate and non-real estate, are evaluated and monitored based upon payment activity. Once a consumer-related loan becomes past due on a recurring basis, the Company will pull that loan out of the homogenized pool and evaluate it individually for impairment. At this time, the consumer-related loan may be placed on the Company’s internal watch list and risk rated either special mention or substandard, depending upon the individual circumstances. Consumer-related loans at March 31, 2014 and December 31, 2013, segregated by class of loans, were as follows (dollars in thousands):
	March 31, 2014						December 31, 2013
Risk Based on Payment Activity	Performing			Non-			Performing		Non-
				Performing					Performing
Residential
Equity Lines	$	27,394		$	147		$	28,122	$	95
1 - 4 Family		85,518			463			83,092		657
Junior Liens		1,027			26			1,080		26
Consumer - Non Real Estate
Credit Cards		—			—			—		—
Other		3,004			6			2,548		6
Totals	$	116,943		$	642		$	114,842	$	784
Total:
Residential	$	113,939		$	636		$	112,294	$	778
Consumer - Non Real Estate	$	3,004		$	6		$	2,548	$	6
Totals	$	116,943		$	642		$	114,842	$	784

ALLOWANCE_FOR_LOAN_LOSSES

ALLOWANCE FOR LOAN LOSSES	3 Months Ended
	Mar. 31, 2014
ALLOWANCE FOR LOAN LOSSES	'
	NOTE 5. ALLOWANCE FOR LOAN LOSSES
	The allowance for loan losses is a reserve established through a provision for loan losses charged to expense, which represents management’s best estimate of probable losses that have been incurred within the existing portfolio of loans. The allowance is necessary to reserve for, in the judgment of management, estimated loan losses and risks inherent in the loan portfolio. The Company’s allowance for loan loss methodology includes allowance allocations calculated in accordance with ASC Topic 310, “Receivables” and allowance allocations calculated in accordance with ASC Topic 450, “Contingencies.” Accordingly, the methodology is based on historical loss experience by type of credit and internal risk grade, specific homogeneous risk pools and specific loss allocations, with adjustments for current events and conditions. The Company’s process for determining the appropriate level of the allowance for loan losses is designed to account for credit deterioration as it occurs. The provision for loan losses reflects loan quality trends, including the levels of and trends related to non-accrual loans, past due loans, potential problem loans, criticized loans and net charge-offs or recoveries, among other factors. The provision for loan losses also reflects the totality of actions taken on all loans for a particular period. In other words, the amount of the provision reflects not only the necessary increases in the allowance for loan losses related to newly identified criticized loans, but it also reflects actions taken related to other loans including, among other things, any necessary increases or decreases in required allowances for specific loans.
	The level of the allowance reflects management’s continuing evaluation of industry concentrations, specific credit risks, loan loss experience, current loan portfolio quality, present economic, political and regulatory conditions and unidentified losses inherent in the current loan portfolio. Portions of the allowance may be allocated for specific credits; however, the entire allowance is available for any credit that, in management’s judgment, should be charged off. While management utilizes its best judgment and information available, the ultimate adequacy of the allowance is dependent upon a variety of factors beyond the Company’s control, including, among other things, the performance of the Company’s loan portfolio, the economy, changes in interest rates and the view of the regulatory authorities toward loan classifications.
	The Company’s allowance for loan losses consists of three elements: (i) specific valuation allowances determined in accordance with accounting principles regarding receivables based on probable losses on specific loans; (ii) historical valuation allowances determined in accordance with accounting principles regarding contingencies based on historical loan loss experience for similar loans with similar characteristics and trends, adjusted, as necessary, to reflect the impact of current conditions; and (iii) general valuation allowances determined in accordance with accounting principles regarding contingencies based on general economic conditions and other qualitative risk factors both internal and external to the Company.
	Historical valuation allowances are calculated based on the historical loss experience of specific types of loans at the time they were charged-off. The Company calculates historical loss ratios for pools of similar loans with similar characteristics based on the proportion of actual charge-offs experienced to the total population of loans in the pool. The historical loss ratios are periodically updated based on actual charge-off experience. A historical valuation allowance is established for each pool of similar loans based upon the product of the historical loss ratio and the total dollar amount of the loans in the pool. The Company’s pools of similar loans include commercial and industrial loans, commercial real estate loans, construction and development loans, residential real estate loans, and consumer and other loans. General valuation allowances are based on general economic conditions and other qualitative risk factors both internal and external to the Company. In general, such valuation allowances are determined by evaluating, among other things: (i) levels and trends in delinquencies and impaired loans; (ii) levels of and trends in charge-offs and recoveries; (iii) levels of non-impaired substandard loans; (iv) trends in volume and terms of loans; (v) effects of changes in risk selection and underwriting practices; (vi) experience, ability, and depth of lending management and staff; (vii) national and local economic trends and conditions; (viii) industry conditions; and (ix) effect of changes in credit concentrations. Management evaluates the degree of risk that each one of these components has on the quality of the loan portfolio on a quarterly basis. Loans identified as losses by management, internal loan review and/or regulatory examiners are charged-off.
	Changes in the allowance for loan losses by segment, since their respective year-end, are as follows (dollars in thousands):
		March 31, 2014												March 31, 2013
		Beginning		Chargeoffs			Recoveries		Provision			Ending		Beginning		Chargeoffs			Recoveries		Provision			Ending
		Balance										Balance		Balance										Balance
	Commercial - Non Real Estate	$	176	$	(48	)	$	80	$	(8	)	$	200	$	1,209	$	(9	)	$	1,290	$	(1,855	)	$	635
	Commercial Real Estate
	Owner occupied		1,224		—			4		(49	)		1,179		1,359		(216	)		12		325			1,480
	Income producing		831		—			—		626			1,457		773		(21	)		20		(1	)		771
	Multifamily		50		—			—		69			119		78		—			—		(9	)		69
	Construction & Development
	1 - 4 Family		52		—			—		(16	)		36		78		(5	)		—		8			81
	Other		580		—			2		526			1,108		728		—			2		(61	)		669
	Farmland		3		—			—		—			3		—		(8	)		—		9			1
	Residential
	Equity Lines		332		(59	)		2		(9	)		266		314		(198	)		10		238			364
	1 - 4 Family		1,218		(8	)		62		(72	)		1,200		1,267		(126	)		3		93			1,237
	Consumer - Non Real Estate		44		(8	)		7		8			51		98		(11	)		11		(6	)		92
	Unallocated		1,505		—			—		(13	)		1,492		986		—			—		113			1,099
	Total	$	6,015	$	(123	)	$	157	$	1,062		$	7,111	$	6,890	$	(594	)	$	1,348	$	(1,146	)	$	6,498
	As of March 31, 2014 and December 31, 2013, loans were evaluated for impairment as follows (dollars in thousands):
		Individually Evaluated for Impairment
		March 31, 2014					December 31, 2013
		Allowance		Total Loans			Allowance		Total Loans
	Commercial - Non Real Estate	$	24	$	2,221		$	25	$	2,304
	Commercial Real Estate
	Owner occupied		92		6,227			77		7,146
	Income producing		750		10,765			126		11,021
	Multifamily		82		1,215			12		1,226
	Construction & Development
	1 - 4 Family		7		357			8		360
	Other		732		4,682			107		4,721
	Farmland		—		135			—		252
	Residential
	Equity Lines		—		147			—		95
	1 - 4 Family		211		11,693			208		12,945
	Consumer - Non Real Estate		3		529			—		76
	Unallocated		—		74			—		—
	Total	$	1,901	$	38,045		$	563	$	40,146
		Collectively Evaluated for Impairment
		31-Mar-14					31-Dec-13
		Allowance		Total Loans			Allowance		Total Loans
	Commercial - Non Real Estate	$	176	$	18,384		$	151	$	15,124
	Commercial Real Estate
	Owner occupied		1,087		50,507			1,147		50,769
	Income producing		707		40,898			705		40,779
	Multifamily		37		6,415			38		6,522
	Construction & Development
	1 - 4 Family		29		1,404			44		1,385
	Other		376		15,890			473		20,052
	Farmland		3		276			3		279
	Residential
	Equity Lines		266		27,394			332		28,122
	1 - 4 Family		989		75,341			1,010		71,910
	Consumer - Non Real Estate		48		2,481			44		2,478
	Unallocated		1,492		834			1,505		944
	Total	$	5,210	$	239,824		$	5,452	$	238,364

COMMITMENTS_AND_CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	3 Months Ended
	Mar. 31, 2014
COMMITMENTS AND CONTINGENCIES	'
	NOTE 6. COMMITMENTS AND CONTINGENCIES
	The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, lines of credit and standby letters of credit. These instruments involve elements of credit risk in excess of amounts recognized in the accompanying financial statements.
	The Company’s risk of loss related to unfunded loan commitments and lines of credit or standby letters of credit is represented by the contractual amount of these instruments. The Company uses the same credit policies in making commitments under such instruments as it does for on-balance sheet instruments. The amount of collateral obtained, if any, is based on management’s credit evaluation of the borrower. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The following table presents a summary of outstanding financial instruments whose contract amounts represent credit risk as of March 31, 2014 (dollars in thousands):
	Unfunded loan commitments	$	31,682
	Financial standby letters of credit		121
	Total unused commitments	$	31,803

RECENT_ACCOUNTING_PRONOUNCEMEN

RECENT ACCOUNTING PRONOUNCEMENTS	3 Months Ended
	Mar. 31, 2014
RECENT ACCOUNTING PRONOUNCEMENTS	'
	NOTE 7. RECENT ACCOUNTING PRONOUNCEMENTS
	In January 2013, the FASB issued Accounting Standards Update 2013-01, Balance Sheet (Topic 210). The amendments in this Update affect entities that have derivatives accounted for in accordance with Topic 815, including bifurcated embedded derivatives, repurchase agreements and reverse repurchase agreements, and securities borrowing and securities lending transactions that are either offset in accordance with Section 210-20-45 or Section 815-10-45 or subject to an enforceable master netting arrangement or similar agreement. Entities with other types of financial assets and financial liabilities subject to a master netting arrangement or similar agreement also are affected because these amendments make them no longer subject to the disclosure requirements in Update 2011-11. The amendments clarify the intended scope of the disclosures required by Section 210-20-50. The FASB concluded that the clarified scope will reduce significantly the operability concerns expressed by preparers while still providing decision-useful information about certain transactions involving master netting arrangements. The amendments provide a user of financial statements with comparable information as it relates to certain reconciling differences between financial statements prepared in accordance with U.S. GAAP and those financial statements prepared in accordance with International Financial Reporting Standards (IFRS). An entity is required to apply the amendments for fiscal years beginning on or after January 1, 2013, and interim periods within those annual periods. An entity should provide the required disclosures retrospectively for all comparative periods presented. The effective date is the same as the effective date of Update 2011-11. The amendments have not had a significant impact on the Company.
	In February 2013, the FASB issued Accounting Standards Update 2013-02, Comprehensive Income (Topic 220). The amendments do not change the current requirements for reporting net income or other comprehensive income in financial statements. However, the amendments require an entity to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, an entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income but only if the amount reclassified is required under U.S. GAAP to be reclassified to net income in its entirety in the same reporting period. For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income, an entity is required to cross-reference to other disclosures required under U.S. GAAP that provide additional detail about those amounts. Substantially all of the information that this Update requires already is required to be disclosed elsewhere in the financial statements under U.S. GAAP. However, the new requirement about presenting information about amounts reclassified out of accumulated other comprehensive income and their corresponding effect on net income will present, in one place, information about significant amounts reclassified and, in some cases, cross-references to related footnote disclosures. Currently, this information is presented in different places throughout the financial statements. For public entities, the amendments are effective prospectively for reporting periods beginning after December 15, 2012. For nonpublic entities, the amendments are effective prospectively for reporting periods beginning after December 15, 2013. Early adoption is permitted. The amendments have not had a significant impact on the Company.
	In February 2013, the FASB issued Accounting Standards Update 2013-03, Financial Instruments (Topic 825). The amendments clarify that the requirement to disclose “the level of the fair value hierarchy within which the fair value measurements are categorized in their entirety (Level 1, 2, or 3)” does not apply to nonpublic entities for items that are not measured at fair value in the statement of financial position but for which fair value is disclosed. The amendments have not had a significant impact on the Company.
	In April 2013, the FASB issued Accounting Standards Update 2013-07, Presentation of Financial Statements (Topic 205). The amendments require an entity to prepare its financial statements using the liquidation basis of accounting when liquidation is imminent. Liquidation is imminent when the likelihood is remote that the entity will return from liquidation and either (a) a plan for liquidation is approved by the person or persons with the authority to make such a plan effective and the likelihood is remote that the execution of the plan will be blocked by other parties or (b) a plan for liquidation is being imposed by other forces (for example, involuntary bankruptcy). If a plan for liquidation was specified in the entity’s governing documents from the entity’s inception (for example, limited-life entities), the entity should apply the liquidation basis of accounting only if the approved plan for liquidation differs from the plan for liquidation that was specified at the entity’s inception.
	The amendments require financial statements prepared using the liquidation basis of accounting to present relevant information about an entity’s expected resources in liquidation by measuring and presenting assets at the amount of the expected cash proceeds from liquidation. The entity should include in its presentation of assets any items it had not previously recognized under U.S. GAAP but that it expects to either sell in liquidation or use in settling liabilities (for example, trademarks).
	An entity should recognize and measure its liabilities in accordance with U.S. GAAP that otherwise applies to those liabilities. The entity should not anticipate that it will be legally released from being the primary obligor under those liabilities, either judicially or by creditor(s). The entity also is required to accrue and separately present the costs that it expects to incur and the income that it expects to earn during the expected duration of the liquidation, including any costs associated with sale or settlement of those assets and liabilities.
	Additionally, the amendments require disclosures about an entity’s plan for liquidation, the methods and significant assumptions used to measure assets and liabilities, the type and amount of costs and income accrued, and the expected duration of the liquidation process. The amendments are effective for entities that determine liquidation is imminent during annual reporting periods beginning after December 15, 2013, and interim reporting periods therein. Entities should apply the requirements prospectively from the day that liquidation becomes imminent. Early adoption is permitted. The amendments are not expected to have a significant impact on the Company.
	In July 2013, the FASB issued Accounting Standards Update 2013-11, Income Taxes (Topic 740). An unrecognized tax benefit, or a portion of an unrecognized tax benefit, should be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except as follows. To the extent a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available at the reporting date under the tax law of the applicable jurisdiction to settle any additional income taxes that would result from the disallowance of a tax position or the tax law of the applicable jurisdiction does not require the entity to use, and the entity does not intend to use, the deferred tax asset for such purpose, the unrecognized tax benefit should be presented in the financial statements as a liability and should not be combined with deferred tax assets. The assessment of whether a deferred tax asset is available is based on the unrecognized tax benefit and deferred tax asset that exist at the reporting date and should be made presuming disallowance of the tax position at the reporting date. For example, an entity should not evaluate whether the deferred tax asset expires before the statute of limitations on the tax position or whether the deferred tax asset may be used prior to the unrecognized tax benefit being settled.
	The amendments in this Update do not require new recurring disclosures. The amendments are not expected to have a significant impact on the Company.
	In January 2014, the FASB issued Accounting Standards Update 2014-02, Intangibles – Goodwill and Other (Topic 350). The amendments in this Update allow an accounting alternative for the subsequent measurement of goodwill. An entity within the scope of the amendments that elects the accounting alternative in this Update should amortize goodwill on a straight-line basis over 10 years, or less than 10 years if the entity demonstrates that another useful life is more appropriate. An entity that elects the accounting alternative is further required to make an accounting policy election to test goodwill for impairment at either the entity level or the reporting unit level. Goodwill should be tested for impairment when a triggering event occurs that indicates that the fair value of an entity (or a reporting unit) may be below its carrying amount. When a triggering event occurs, an entity has the option to first assess qualitative factors to determine whether the quantitative impairment test is necessary. If that qualitative assessment indicates that it is more likely than not that goodwill is impaired, the entity must perform the quantitative test to compare the entity’s fair value with its carrying amount, including goodwill (or the fair value of the reporting unit with the carrying amount, including goodwill, of the reporting unit). If the qualitative assessment indicates that it is not more likely than not that goodwill is impaired, further testing is unnecessary.
	The goodwill impairment loss, if any, represents the excess of the carrying amount of the entity over its fair value (or the excess of the carrying amount of the reporting unit over the fair value of the reporting unit). The goodwill impairment loss cannot exceed the entity’s (or the reporting unit’s) carrying amount of goodwill. The disclosures required under this alternative are similar to existing U.S. generally accepted accounting principles (GAAP). However, an entity that elects the accounting alternative is not required to present changes in goodwill in a tabular reconciliation.
	The accounting alternative, if elected, should be applied prospectively to goodwill existing as of the beginning of the period of adoption and new goodwill recognized in annual periods beginning after December 15, 2014, and interim periods within annual periods beginning after December 15, 2015. Early application is permitted, including application to any period for which the entity’s annual or interim financial statements have not yet been made available for issuance. The amendments are not expected to have a significant impact on the Company.
	In January 2014, the FASB issued Accounting Standards Update 2014-04, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40). The amendments in this Update clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction.
	The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. For entities other than public business entities, the amendments in this Update are effective for annual periods beginning after December 15, 2014, and interim periods within annual periods beginning after December 15, 2015. The amendments are not expected to have a significant impact on the Company.
	From time to time the FASB issues Proposed Accounting Standards Updates. Such proposed updates are subject to comment from the public, to revisions by the FASB and to final issuance by the FASB as Accounting Standards Updates. Management considers the effect of the proposed updates on the consolidated financial statements of the Company and monitors the status of changes to and proposed effective dates of proposed updates.

FAIR_VALUE

FAIR VALUE	3 Months Ended
	Mar. 31, 2014
FAIR VALUE	'
	NOTE 8. FAIR VALUE
	Accounting principles generally accepted in the United States of America require that companies measure and record certain assets and liabilities at fair value and record any adjustments to the fair value of those assets. Securities are recorded at fair value on a recurring basis while other assets, such as impaired loans, are recorded at fair value on a non-recurring basis.
	The Company uses three levels of measurement to group those assets measured at fair value. These groupings are made based on the markets the assets are traded in and the reliability of the assumptions used to determine fair value. The groupings include:
		•		Level 1 – quoted prices (unadjusted) in active markets for identical assets or liabilities.
		•		Level 2 – observable inputs other than the quoted prices included in Level 1.
		•		Level 3 – unobservable inputs.
	Investment Securities – The Company’s investment securities are measured on a recurring basis through a model used by our bond agent. All of our bond price adjustments meet level 2 criteria. Prices are derived from a model which uses actively quoted rates, prepayment models and other underlying credit and collateral data.
	Impaired Loans – The Company does not record loans at fair value on a recurring basis. However, from time to time, a loan is considered impaired and an allowance for loan losses is established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Impaired loans are recorded at fair value less estimated selling costs. Once a loan is identified as individually impaired, the Company measures impairment. Fair values of impaired loans are generally estimated using one of several methods, including collateral value, liquidation value, discounted cash flows and, in rare cases, the market value of the note. Those impaired loans not requiring an allowance represent loans for which the net present value of the expected cash flows or fair value of the collateral less costs to sell exceed the recorded investments in such loans. At March 31, 2014 and December 31, 2013, a majority of the total impaired loans were evaluated based on the fair value of the collateral. When the fair value of the collateral is based on an executed sales contract with an independent third party, the Company records the impaired loans as nonrecurring Level 1. If the collateral is based on another observable market price or a current appraised value, the Company records the impaired loans as nonrecurring Level 2. When an appraised value is not available or the Company determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, the Company records the impaired loan as nonrecurring Level 3. Impaired loans can also be evaluated for impairment using the present value of expected future cash flows discounted at the loan’s effective interest rate. The measurement of impaired loans using future cash flows discounted at the loan’s effective interest rate rather than the market rate of interest is not a fair value measurement and is therefore excluded from fair value disclosure requirements. Impaired loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly.
	Other Real Estate Owned – Properties acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less costs to sell at the date of foreclosure. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying value or the new fair value less estimated selling costs. Fair value is generally based upon current appraisals, comparable sales, and other estimates of value obtained principally from independent sources, adjusted for selling costs. When the fair value of the collateral is based on an observable market price or a current appraised value, the Company records the asset as nonrecurring Level 2. However, the Company also considers other factors or recent developments which could result in adjustments to the collateral value estimates indicated in the appraisals such as changes in absorption rates or market conditions from the time of valuation. In situations where an appraisal less estimated selling costs is used to determine fair value, management adjustments are significant to the fair value measurements, or other means are used to estimate fair value in the absence of an appraisal, the Company records the impaired loan as nonrecurring Level 3 within the valuation hierarchy.
	The following table summarizes the Company’s assets measured at fair value at the dates indicated (dollars in thousands):
			At March 31, 2014
			Total		Level 1		Level 2		Level 3
	Assets valued on a recurring basis
	Investment securities:
	U.S. government and agency		$	41,552	$	—	$	41,552	$	—
	State and municipals			10,545		—		10,545		—
	Mortgage-backed			37,461		—		37,461		—
	Assets valued on a non-recurring basis
	Impaired loans			36,144		—		—		36,144
	Other real estate owned			2,092		—		—		2,092
	Total		$	127,794	$	—	$	89,558	$	38,236
			At December 31, 2013
			Total		Level 1		Level 2		Level 3
	Assets valued on a recurring basis
	Investment securities:
	U.S. government and agency		$	40,930	$	—	$	40,930	$	—
	State and municipals			10,181		—		10,181		—
	Mortgage-backed			38,204		—		38,204		—
	Assets valued on a non-recurring basis
	Impaired loans			39,583		—		—		39,583
	Other real estate owned			1,233		—		—		1,233
	Total		$	130,131	$	—	$	89,315	$	40,816

BORROWED_FUNDS

BORROWED FUNDS	3 Months Ended
	Mar. 31, 2014
BORROWED FUNDS	'
	NOTE 9. BORROWED FUNDS
	A summary of the Company’s outstanding borrowings and the annual rate of interest currently payable on each category is presented in the following table at the dates indicated (dollars in thousands):
		March 31, 2014					December 31, 2013
		Outstanding		Annual			Outstanding		Annual
		Balance		Interest Rate			Balance		Interest Rate
	Securities sold under overnight repurchase agreements	$	722		0.15	%	$	388		0.14	%
	Securities sold under term repurchase agreements		45,000		4.38			45,000		4.38
	Trust preferred securities		5,155		3.2			5,155		3.19
	Subordinated debt		2,700		4			2,700		4
	Total borrowed funds	$	53,577		4.19	%	$	53,243		4.21	%
	The Bank engages from time-to-time in federal funds purchases from upstream correspondent institutions to meet temporary funding needs. There were none of these transactions outstanding at the close of either period presented in the above table.
	The Bank had a total of $45.0 million of borrowings in the form of securities sold under term repurchase agreements that were entered into during 2008. These borrowings are secured by marketable investment securities equal to approximately 109.5% of the principal balances outstanding plus accrued interest and the value of an imbedded interest rate cap. The following table contains certain pertinent information with respect to these agreements at March 31, 2014 (dollars in thousands):
		Outstanding		Annual			Final		Beginning			Collateral
		Principal		Effective			Maturity		Quarterly			Requirement
		Balance		Interest Rate			Date		Call Dates
	Agreement dated 7/8/2008	$	25,000		4.85	%		7/8/18		7/8/13		$	6,761
	Agreement dated 8/20/2008		20,000		3.78			8/20/15		8/20/11			3,447
	Total	$	45,000		4.38	%						$	10,208
	The Bank utilizes borrowings from the Federal Home Loan Bank (“FHLB”) as a source of liquidity. At March 31, 2014, the Bank had immediately available credit of $7.3 million. There were no advances from the FHLB at quarter-end.
	During 2008, the Company issued $5.2 million of junior subordinated debentures to its wholly owned capital trust, Bank of the Carolinas Trust I (the “Trust”), which, in turn, issued $5.0 million in trust preferred securities having a like liquidation amount and $155,000 in common securities (all common securities are owned by the Company). The Company has fully and unconditionally guaranteed the Trust’s obligations related to the trust preferred securities. The Trust has the right to redeem the trust preferred securities in whole or in part at a redemption price equal to 100% of the principal amount plus accrued and unpaid interest.
	In addition, the Trust may redeem the trust preferred securities in whole (but not in part) at any time within 90 days following the occurrence of a tax event, an investment company event, or a capital treatment event at a special redemption price (as defined in the debenture). Interest is payable quarterly on the trust preferred securities at the annual rate of 90-day LIBOR plus 300 basis points. In February 2011, the Company announced its election to defer its regularly scheduled interest payments on the junior subordinated debentures related to the trust preferred securities. Furthermore, the Company is party to a written agreement with the Federal Reserve, which restricts the Company’s ability to make interest payments on subordinated debt, as described below.
	The Company also has issued $2.7 million of subordinated debt in a private transaction with another financial institution. This subordinated note has a floating interest rate equal to 75 basis points over the Prime Rate published by Wall Street Journal and a maturity date of August 13, 2018. This debt can be repaid in full at any time with no penalty.
	Under the terms of a written agreement between the Company and the Federal Reserve Bank of Richmond, the Company and the Trust may not make any distributions of interest, principal, or other sums on subordinated debentures or trust preferred securities without the prior written approval of the Federal Reserve Bank of Richmond and the Director of the Division of Banking Supervision and Regulation of the Federal Reserve Board of Governors.

STOCKHOLDERS_EQUITY

STOCKHOLDERS' EQUITY	3 Months Ended
	Mar. 31, 2014
STOCKHOLDERS' EQUITY	'
	NOTE 10. STOCKHOLDERS’ EQUITY
	Preferred Stock:
	The Company has 3.0 million shares of preferred stock authorized. There were 13,179 shares of preferred stock issued and outstanding with a $1,000 per share liquidation preference on March 31, 2014 and December 31, 2013. All of the shares were issued on April 17, 2009 in connection with the Company’s participation in the U.S. Treasury’s TARP Capital Purchase Program.
	In February 2011, the Company notified the Treasury of its intent to defer the payment of its regular quarterly cash dividend on its Series A Preferred Stock sold to the Treasury. In addition, the Company has entered into a written agreement with the Federal Reserve Bank of Richmond, which prohibits the Company’s payment of any dividends without the prior approval of the Federal Reserve Bank of Richmond and the Director of the Division of Banking Supervision and Regulation of the Federal Reserve Board of Governors.
	At March 31, 2014 and December 31, 2012, the cumulative amount of dividends in arrears not declared was $2.1 million and $1.9 million, respectively.
	Common Stock:
	The Company has 15.0 million shares of $5 par value common stock authorized. There were 3,895,840 shares of common stock issued and outstanding at March 31, 2014 and December 31, 2013, respectively.
	Warrants:
	In connection with the issuance of the preferred shares under the U.S. Treasury’s TARP Capital Purchase Program, the Company issued the U.S. Treasury a warrant to purchase 475,204 shares of its common stock for $4.16 per share. The warrant expires April 17, 2019.

INCOME_TAXES

INCOME TAXES	3 Months Ended
	Mar. 31, 2014
INCOME TAXES	'
	NOTE 11. INCOME TAXES
	The Company utilizes the liability method of computing income taxes. Under the liability method, deferred tax liabilities and assets are established for future tax return effects of the temporary differences between the stated value of assets and liabilities for financial reporting purposes and their tax bases. The focus is on accruing the appropriate balance sheet deferred tax amount, with the statement of income effect being the result of the changes in the balance sheet amounts from period to period. The current portion of income tax expense is provided based upon the actual tax liability incurred for tax return purposes.
	An evaluation of the probability of being able to realize the future benefits of deferred tax assets is made. A valuation allowance is provided for the deferred tax asset when it is more likely than not that some portion or all of the deferred tax asset will not be realized. Management has established a deferred tax asset valuation allowance of $17.6 million and $17.7 as of March 31, 2014 and December 31, 2013, respectively. The valuation allowance has been established because management believes current overall credit trends, as well as actual and forecasted performance, raise significant concern over the ability of the Company to realize the components of its deferred tax assets relating to net operating losses and the allowances for losses on loans and OREO.

GOING_CONCERN

GOING CONCERN	3 Months Ended
	Mar. 31, 2014
GOING CONCERN	'
	NOTE 12. GOING CONCERN
	Going Concern Considerations
	The consolidated financial statements have been prepared on a going concern basis, which contemplates the realization of assets and the discharge of liabilities in the normal course of business for the foreseeable future. It is the responsibility of management to assess the Company’s ability to continue as a going concern. In making this assessment, the Company has taken into account all available information about the future, which is at least, but is not limited to, twelve months from the balance sheet date of March 31, 2014. The Company had a history of profitable operations prior to 2008 and sufficient sources of liquidity to meet its short-term and long-term funding needs.
	The effects of the 2007 – 2009 recession were felt across many industries, with financial services and real estate being particularly hard-hit. The Bank, with a loan portfolio consisting of a concentration in commercial real estate loans, including residential construction and development loans, saw a decline in the value of the collateral securing its portfolio as well as rapid deterioration in its borrowers’ cash flow and ability to repay their outstanding loans to the Bank. As a result, the Bank’s level of nonperforming assets increased substantially during 2010 and 2011. During 2012, 2013, and continuing into 2014, the Bank saw significant improvement in levels of nonperforming assets. The significant losses from 2010 through the three months of 2014, which were primarily related to credit losses and the valuation allowance on deferred tax asset, reduced the Company’s capital levels. In order to again become well capitalized under federal banking agencies’ guidelines, management believes that the Company will need to raise additional capital to recapitalize the Bank and to absorb the potential future credit losses associated with the disposition of its nonperforming assets. Accordingly, management is in the process of evaluating various alternatives to increase tangible common equity and regulatory capital through the issuance of additional equity in public or private offerings. Management is actively evaluating a number of potential capital sources, asset reductions, and other balance sheet management strategies with the goal of increasing its level of regulatory capital to support its balance sheet long-term. Management is currently reducing and otherwise restructuring its balance sheet to improve capital ratios.
	The Company’s financial condition and a depressed stock price are significant barriers to the success of any plan to issue additional equity in public or private offerings. An equity financing transaction would result in substantial dilution to the Company’s current stockholders and could adversely affect the market price of the Company’s common stock. There can be no assurance as to whether these efforts will be successful, either on a short-term or long-term basis. Should these efforts be unsuccessful, due to existing regulatory restrictions on cash payments and dividends between the Bank and the holding company, the Company may be unable to discharge its liabilities in the normal course of business. There can be no assurance that the Company will be successful in any efforts to raise additional capital during 2014.
	Both the Company and the Bank actively manage liquidity and cash flow needs. The Bank is prohibited from declaring or paying dividends without prior approval of the FDIC or the Commissioner and the Company is prohibited from declaring or paying dividends without the prior approval from the Federal Reserve. Even if these requirements were not in place, the Company does not intend to declare or pay dividends to shareholders at any time in the foreseeable future. At March 31, 2014, the Company had $15.1 million of cash and cash equivalents. The Company has no long-term debt maturing in 2014.
	Based on current capital levels and continued operating losses management believes the Company will require additional capital to be able to remain viable. Management has implemented various strategies to provide this needed capital. In spite of management’s best efforts, there is no guarantee management will be successful in raising the additional capital. The accompanying consolidated financial statements for the Company have been prepared on a going concern basis, which contemplates the realization of assets and the discharge of liabilities in the normal course of business for the foreseeable future, and does not include any adjustments to reflect the possible future effects on the recoverability or classification of assets.
	Management’s Plans and Intentions
	The Company incurred significant net losses in 2011 and 2012 primarily from the higher provisions for loan losses due to the significant level of nonperforming assets and increases in foreclosed real estate. While conditions improved in 2013 and into the first three months of 2014, the Company’s expenses are still at an excessive level due to the term repurchase agreements, FDIC insurance premiums, and costs related to foreclosed real estate. The FDIC and the Commissioner issued the Consent Order in April 2011. The Company entered into a written agreement with the FRB in August 2011. The Company’s independent registered public accounting firm issued a report with respect to the Company’s audited financial statements for the fiscal year ended December 31, 2013, which contained an explanatory paragraph indicating that there is substantial doubt about the Company’s ability to continue as a going concern. The following strategies to improve the Company’s financial condition have been or are being implemented:
	Deferring Preferred Stock and Trust Preferred Securities Payments – The Company began deferring the payment of cash dividends on its outstanding Fixed Rate Cumulative Perpetual Preferred Stock, Series A, beginning in February 2011, as well as the payment of interest on the outstanding junior subordinated notes related to its trust preferred securities to enhance the Company’s liquidity. The expense associated with trust preferred securities continues to accrue and is reflected in the Company’s Consolidated Statements of Operations. The dividends on preferred stock are shown as an increase to net loss to derive net loss to common shareholders in the Consolidated Statements of Operations.
	Balance Sheet Reduction – Management currently is implementing strategies to improve capital ratios through the reduction of assets and off-balance sheet commitments. At March 31, 2014, risk-weighted assets had been reduced by $49.1 million since December 31, 2011. Reductions occurred primarily in the commercial loan portfolio. Management expects future reductions in risk-weighted assets to be moderate and occur primarily in the loan portfolio. To offset the majority of asset reductions, liabilities declined primarily through reductions in brokered and institutional CDs by $34.7 million.
	Earnings – In June 2011, the Bank retired $10.0 million in FHLB advances and paid an early redemption penalty of $273,000 to the FHLB for the retirement of these advances. In November 2011, the Bank retired an additional advance of $10.0 million due to the FHLB and paid an early redemption penalty of $7,000. The advances had a remaining average life of 1.0 year and an average interest rate of 1.21%. The Bank is prohibited from accepting or rolling over any brokered certificates of deposits. Since April 2011, the brokered certificates of deposit had maturities ranging from 2 months to 27 months with interest rates ranging from 0.75% to 2.40%. As these matured and continue to mature, the Bank replaced and will continue to replace these funds with institutional certificates of deposit with average interest rates of 0.55%. In 2012, 2013 and continuing into 2014, the Bank was able to return loans, previously in a non-accrual status, to accrual status after six months of payment performance. As a result of these changes, the Bank expects a positive impact on its net interest margin.
	Additional Capital – The Company has engaged investment banking firms and is working to secure investors in a capital raise plan that may include issuing common stock, preferred stock or a combination of both, debt, or other financing alternatives that may be treated as capital for capital adequacy ratio purposes. Currently, the Company is working diligently to raise additional capital in the next few months; however, there are no assurances that an offering will be completed or that the Company will succeed in this endeavor. In addition, a transaction would more likely than not involve equity financing, resulting in substantial dilution to current shareholders and an adverse effect on the price of the Company’s common stock. The Company’s ability to raise capital is contingent on the current capital markets and on its financial performance. Available capital markets may not be favorable, and the Company cannot be certain of its ability to raise capital on any terms.

RECENT_ACCOUNTING_PRONOUNCEMEN1

RECENT ACCOUNTING PRONOUNCEMENTS (Policies)	3 Months Ended
	Mar. 31, 2014
Balance Sheet	'
	In January 2013, the FASB issued Accounting Standards Update 2013-01, Balance Sheet (Topic 210). The amendments in this Update affect entities that have derivatives accounted for in accordance with Topic 815, including bifurcated embedded derivatives, repurchase agreements and reverse repurchase agreements, and securities borrowing and securities lending transactions that are either offset in accordance with Section 210-20-45 or Section 815-10-45 or subject to an enforceable master netting arrangement or similar agreement. Entities with other types of financial assets and financial liabilities subject to a master netting arrangement or similar agreement also are affected because these amendments make them no longer subject to the disclosure requirements in Update 2011-11. The amendments clarify the intended scope of the disclosures required by Section 210-20-50. The FASB concluded that the clarified scope will reduce significantly the operability concerns expressed by preparers while still providing decision-useful information about certain transactions involving master netting arrangements. The amendments provide a user of financial statements with comparable information as it relates to certain reconciling differences between financial statements prepared in accordance with U.S. GAAP and those financial statements prepared in accordance with International Financial Reporting Standards (IFRS). An entity is required to apply the amendments for fiscal years beginning on or after January 1, 2013, and interim periods within those annual periods. An entity should provide the required disclosures retrospectively for all comparative periods presented. The effective date is the same as the effective date of Update 2011-11. The amendments have not had a significant impact on the Company.
Comprehensive Income	'
	In February 2013, the FASB issued Accounting Standards Update 2013-02, Comprehensive Income (Topic 220). The amendments do not change the current requirements for reporting net income or other comprehensive income in financial statements. However, the amendments require an entity to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, an entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income but only if the amount reclassified is required under U.S. GAAP to be reclassified to net income in its entirety in the same reporting period. For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income, an entity is required to cross-reference to other disclosures required under U.S. GAAP that provide additional detail about those amounts. Substantially all of the information that this Update requires already is required to be disclosed elsewhere in the financial statements under U.S. GAAP. However, the new requirement about presenting information about amounts reclassified out of accumulated other comprehensive income and their corresponding effect on net income will present, in one place, information about significant amounts reclassified and, in some cases, cross-references to related footnote disclosures. Currently, this information is presented in different places throughout the financial statements. For public entities, the amendments are effective prospectively for reporting periods beginning after December 15, 2012. For nonpublic entities, the amendments are effective prospectively for reporting periods beginning after December 15, 2013. Early adoption is permitted. The amendments have not had a significant impact on the Company.
Financial Instruments	'
	In February 2013, the FASB issued Accounting Standards Update 2013-03, Financial Instruments (Topic 825). The amendments clarify that the requirement to disclose “the level of the fair value hierarchy within which the fair value measurements are categorized in their entirety (Level 1, 2, or 3)” does not apply to nonpublic entities for items that are not measured at fair value in the statement of financial position but for which fair value is disclosed. The amendments have not had a significant impact on the Company.
Presentation of Financial Statements	'
	In April 2013, the FASB issued Accounting Standards Update 2013-07, Presentation of Financial Statements (Topic 205). The amendments require an entity to prepare its financial statements using the liquidation basis of accounting when liquidation is imminent. Liquidation is imminent when the likelihood is remote that the entity will return from liquidation and either (a) a plan for liquidation is approved by the person or persons with the authority to make such a plan effective and the likelihood is remote that the execution of the plan will be blocked by other parties or (b) a plan for liquidation is being imposed by other forces (for example, involuntary bankruptcy). If a plan for liquidation was specified in the entity’s governing documents from the entity’s inception (for example, limited-life entities), the entity should apply the liquidation basis of accounting only if the approved plan for liquidation differs from the plan for liquidation that was specified at the entity’s inception.
	The amendments require financial statements prepared using the liquidation basis of accounting to present relevant information about an entity’s expected resources in liquidation by measuring and presenting assets at the amount of the expected cash proceeds from liquidation. The entity should include in its presentation of assets any items it had not previously recognized under U.S. GAAP but that it expects to either sell in liquidation or use in settling liabilities (for example, trademarks).
	An entity should recognize and measure its liabilities in accordance with U.S. GAAP that otherwise applies to those liabilities. The entity should not anticipate that it will be legally released from being the primary obligor under those liabilities, either judicially or by creditor(s). The entity also is required to accrue and separately present the costs that it expects to incur and the income that it expects to earn during the expected duration of the liquidation, including any costs associated with sale or settlement of those assets and liabilities.
	Additionally, the amendments require disclosures about an entity’s plan for liquidation, the methods and significant assumptions used to measure assets and liabilities, the type and amount of costs and income accrued, and the expected duration of the liquidation process. The amendments are effective for entities that determine liquidation is imminent during annual reporting periods beginning after December 15, 2013, and interim reporting periods therein. Entities should apply the requirements prospectively from the day that liquidation becomes imminent. Early adoption is permitted. The amendments are not expected to have a significant impact on the Company.
Income Taxes	'
	In July 2013, the FASB issued Accounting Standards Update 2013-11, Income Taxes (Topic 740). An unrecognized tax benefit, or a portion of an unrecognized tax benefit, should be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except as follows. To the extent a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available at the reporting date under the tax law of the applicable jurisdiction to settle any additional income taxes that would result from the disallowance of a tax position or the tax law of the applicable jurisdiction does not require the entity to use, and the entity does not intend to use, the deferred tax asset for such purpose, the unrecognized tax benefit should be presented in the financial statements as a liability and should not be combined with deferred tax assets. The assessment of whether a deferred tax asset is available is based on the unrecognized tax benefit and deferred tax asset that exist at the reporting date and should be made presuming disallowance of the tax position at the reporting date. For example, an entity should not evaluate whether the deferred tax asset expires before the statute of limitations on the tax position or whether the deferred tax asset may be used prior to the unrecognized tax benefit being settled.
	The amendments in this Update do not require new recurring disclosures. The amendments are not expected to have a significant impact on the Company.
Intangibles - Goodwill and Other	'
	In January 2014, the FASB issued Accounting Standards Update 2014-02, Intangibles – Goodwill and Other (Topic 350). The amendments in this Update allow an accounting alternative for the subsequent measurement of goodwill. An entity within the scope of the amendments that elects the accounting alternative in this Update should amortize goodwill on a straight-line basis over 10 years, or less than 10 years if the entity demonstrates that another useful life is more appropriate. An entity that elects the accounting alternative is further required to make an accounting policy election to test goodwill for impairment at either the entity level or the reporting unit level. Goodwill should be tested for impairment when a triggering event occurs that indicates that the fair value of an entity (or a reporting unit) may be below its carrying amount. When a triggering event occurs, an entity has the option to first assess qualitative factors to determine whether the quantitative impairment test is necessary. If that qualitative assessment indicates that it is more likely than not that goodwill is impaired, the entity must perform the quantitative test to compare the entity’s fair value with its carrying amount, including goodwill (or the fair value of the reporting unit with the carrying amount, including goodwill, of the reporting unit). If the qualitative assessment indicates that it is not more likely than not that goodwill is impaired, further testing is unnecessary.
	The goodwill impairment loss, if any, represents the excess of the carrying amount of the entity over its fair value (or the excess of the carrying amount of the reporting unit over the fair value of the reporting unit). The goodwill impairment loss cannot exceed the entity’s (or the reporting unit’s) carrying amount of goodwill. The disclosures required under this alternative are similar to existing U.S. generally accepted accounting principles (GAAP). However, an entity that elects the accounting alternative is not required to present changes in goodwill in a tabular reconciliation.
	The accounting alternative, if elected, should be applied prospectively to goodwill existing as of the beginning of the period of adoption and new goodwill recognized in annual periods beginning after December 15, 2014, and interim periods within annual periods beginning after December 15, 2015. Early application is permitted, including application to any period for which the entity’s annual or interim financial statements have not yet been made available for issuance. The amendments are not expected to have a significant impact on the Company.
Receivables - Troubled Debt Restructurings by Creditors	'
	In January 2014, the FASB issued Accounting Standards Update 2014-04, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40). The amendments in this Update clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction.
	The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. For entities other than public business entities, the amendments in this Update are effective for annual periods beginning after December 15, 2014, and interim periods within annual periods beginning after December 15, 2015. The amendments are not expected to have a significant impact on the Company.
	From time to time the FASB issues Proposed Accounting Standards Updates. Such proposed updates are subject to comment from the public, to revisions by the FASB and to final issuance by the FASB as Accounting Standards Updates. Management considers the effect of the proposed updates on the consolidated financial statements of the Company and monitors the status of changes to and proposed effective dates of proposed updates.

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	3 Months Ended
	Mar. 31, 2014
Computation of Earnings (Loss) Per Share	'
	Earnings (loss) per share have been computed based on the following (dollars in thousands):
		Three months ended
		March 31,
		2014			2013
	Net loss applicable to common stockholders	$	(1,771	)	$	(106	)
	Weighted average number of common shares outstanding		3,895,840			3,895,840
	Weighted average number of diluted common shares outstanding		3,895,840			3,895,840
	Common stock options and common stock warrants - anti-dilutive		497,605			497,605

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2014
Amortized Cost, Estimated Fair Values and Carrying Values of Investment Securities Portfolios	'
	The amortized cost, estimated fair values and carrying values of the investment securities portfolios at the indicated dates are summarized as follows (dollars in thousands):
		March 31, 2014
		Amortized		Gross		Gross		Estimated		Carrying
		Cost		Unrealized		Unrealized		Fair Value		Value
				Gains		Losses
	Investment securities available for sale:
	U.S. Government agencies securities	$	43,749	$	70	$	2,267	$	41,552	$	41,552
	State and municipal bonds		11,143		6		604		10,545		10,545
	Mortgage-backed securities		38,282		44		865		37,461		37,461
	Total investment securities available for sale		93,174		120		3,736		89,558		89,558
	Investment securities held to maturity:
	Corporate securities		1,000		—		180		820		1,000
	Total investment securities	$	94,174	$	120	$	3,916	$	90,378	$	90,558
		31-Dec-13
		Amortized		Gross		Gross		Estimated		Carrying
		Cost		Unrealized		Unrealized		Fair Value		Value
				Gains		Losses
	Investment securities available for sale:
	U.S. Government agencies securities	$	44,077	$	87	$	3,234	$	40,930	$	40,930
	State and municipal bonds		11,159		—		978		10,181		10,181
	Mortgage-backed securities		39,458		34		1,288		38,204		38,204
	Total investment securities available for sale		94,694		121		5,500		89,315		89,315
	Investment securities held to maturity:
	Corporate securities		1,000		—		180		820		1,000
	Total investment securities	$	95,694	$	121	$	5,680	$	90,135	$	90,315
Fair Values of Securities with Unrealized Losses	'
	The fair values of securities with unrealized losses at March 31, 2014 and December 31, 2013 are as follows (dollars in thousands):
	March 31, 2014:
		Less than 12 Months				12 Months or More				Total
	Temporarily impaired securities:	Estimated		Unrealized		Estimated		Unrealized		Estimated		Unrealized
		Fair Value		Losses		Fair Value		Losses		Fair Value		Losses
	U.S. Government agency securities	$	36,457	$	1,893	$	3,612	$	374	$	40,069	$	2,267
	State and municipal bonds		6,582		421		2,846		183		9,428		604
	Mortgage-backed securities		32,437		865		—		—		32,437		865
	Corporate securities		—		—		820		180		820		180
	Total	$	75,476	$	3,179	$	7,278	$	737	$	82,754	$	3,916
	December 31, 2013:
		Less than 12 Months				12 Months or More				Total
	Temporarily impaired securities:	Estimated		Unrealized		Estimated		Unrealized		Estimated		Unrealized
		Fair Value		Losses		Fair Value		Losses		Fair Value		Losses
	U.S. Government agency securities	$	35,679	$	2,731	$	3,482	$	503	$	39,161	$	3,234
	State and municipal bonds		7,835		723		2,346		255		10,181		978
	Mortgage-backed securities		34,564		1,287		528		1		35,092		1,288
	Corporate securities		—		—		820		180		820		180
	Total	$	78,078	$	4,741	$	7,176	$	939	$	85,254	$	5,680

LOANS_Tables

LOANS (Tables)	3 Months Ended
	Mar. 31, 2014
Loan Portfolio	'
	The loan portfolio as of the dates indicated is summarized below (dollars in thousands):
		March 31,			December 31,
		2014			2013
	Real estate loans:
	Residential, 1-4 family	$	87,034		$	84,855
	Commercial real estate		116,027			117,463
	Construction and development		22,744			27,049
	Home equity		27,541			28,217
	Total real estate loans		253,346			257,584
	Commercial business and other loans		20,605			17,428
	Consumer loans:
	Installment		3,010			2,554
	Other		908			944
	Total consumer loans		3,918			3,498
	Gross loans receivable		277,869			278,510
	Allowance for loan losses		(7,111	)		(6,015	)
	Loans, net	$	270,758		$	272,495
Impaired Loans, Segregated by Class of Loans	'
	Impaired loans, segregated by class of loans, are summarized as follows as of the dates indicated (dollars in thousands):
		March 31, 2014												December 31, 2013
		Recorded			Unpaid			Related		Average		Interest		Recorded		Unpaid		Related		Average		Interest
		Investment			Principal			Allowance		Recorded		Income		Investment		Principal		Allowance		Recorded		Income
					Balance					Investment		Recognized				Balance				Investment		Recognized
	With no related allowance:
	Commercial - Non Real Estate	$	979		$	1,175		$	—	$	1,205	$	17	$	1,099	$	1,305	$	—	$	1,384	$	79
	Commercial Real Estate
	Owner occupied		2,431			2,738			—		2,819		37		3,480		4,062		—		4,365		239
	Income producing		3,534			3,701			—		3,713		42		3,734		3,887		—		3,938		183
	Multifamily		—			—			—		—		—		—		—		—		—		—
	Construction & Development
	1 - 4 Family		—			—			—		—		—		—		—		—		—		—
	Other		1,512			1,852			—		1,868		26		1,545		1,881		—		1,981		112
	Farmland		135			156			—		193		4		252		273		—		340		26
	Residential
	Equity Lines		147			153			—		153		2		95		101		—		105		3
	1 - 4 Family		4,674			5,088			—		5,393		64		5,632		6,198		—		6,281		322
	Junior Liens		193			216			—		217		3		196		218		—		223		12
	Consumer - Non Real Estate		67			67			—		68		1		68		68		—		70		4
	Total loans with no allowance	$	13,672		$	15,146		$	—	$	15,629	$	196	$	16,101	$	17,993	$	—	$	18,687	$	980
	With an allowance recorded:
	Commercial - Non Real Estate	$	1,242		$	1,242		$	24	$	1,260	$	11	$	1,205	$	1,205	$	25	$	1,282	$	45
	Commercial Real Estate
	Owner occupied		3,796			3,796			92		3,807		39		3,666		3,666		77		3,727		166
	Income producing		7,231			7,286			750		7,318		92		7,287		7,343		126		7,465		382
	Multifamily		1,215			1,248			82		1,255		11		1,226		1,259		12		1,273		45
	Construction & Development
	1 - 4 Family		357			363			7		365		5		360		366		8		371		19
	Other		3,170			3,170			732		3,175		28		3,176		3,181		107		3,224		118
	Farmland		—			—			—		—		—		—		—		—		—		—
	Residential
	Equity Lines		—			—			—		—		—		—		—		—		—		—
	1 - 4 Family		7,019			7,037			211		7,062		71		6,778		6,795		204		6,893		279
	Junior Liens		336			338			3		339		5		339		341		4		345		19
	Consumer - Non Real Estate		7			7			—		8		—		8		8		—		11		—
	Total loans with an allowance	$	24,373		$	24,487		$	1,901	$	24,589	$	262	$	24,045	$	24,164	$	563	$	24,591	$	1,073
	Total:
	Commercial - Non Real Estate	$	2,221		$	2,417		$	24	$	2,465	$	28	$	2,304	$	2,510	$	25	$	2,666	$	124
	Commercial Real Estate	$	18,207		$	18,769		$	924	$	18,912	$	221	$	19,393	$	20,217	$	215	$	20,768	$	1,015
	Construction & Development	$	5,174		$	5,541		$	739	$	5,601	$	63	$	5,333	$	5,701	$	115	$	5,916	$	275
	Residential	$	12,369		$	12,832		$	214	$	13,164	$	145	$	13,040	$	13,653	$	208	$	13,847	$	635
	Consumer - Non Real Estate	$	74		$	74		$	—	$	76	$	1	$	76	$	76	$	—	$	81	$	4
	Totals	$	38,045		$	39,633		$	1,901	$	40,218	$	458	$	40,146	$	42,157	$	563	$	43,278	$	2,053
Troubled Debt Restructuring	'
	The following tables illustrate TDR information for the three months ended March 31, 2014 and 2013 (dollars in thousands):
		For the three months ended March 31, 2014
	Troubled Debt Restructuring	Number of			Pre-Modification			Post-Modification
		Contracts			Recorded			Recorded
					Investment			Investment
	Commercial - Non Real Estate		1		$	61		$	61
	Commercial - Real Estate		1			22			22
	Construction & Development		—			—			—
	Residential		—			—			—
	Consumer - Non Real Estate		—			—			—
	Totals		2		$	83		$	83
		For the three months ended March 31, 2013
	Troubled Debt Restructuring	Number of			Pre-Modification			Post-Modification
		Contracts			Recorded			Recorded
					Investment			Investment
	Commercial - Non Real Estate		1		$	32		$	32
	Commercial - Real Estate		1			238			238
	Construction & Development		—			—			—
	Residential		2			293			293
	Consumer - Non Real Estate		—			—			—
	Totals		4		$	563		$	563
Non-Accrual Loans and Age Analysis of Past Due Loans, Segregated by Class of Loans	'
	Non-accrual loans and an age analysis of past due loans, segregated by class of loans, were as follows (dollars in thousands):
		30 - 59			60 - 89			90 Days		Total		Current		Total		90 Days		Non-accrual
		Days			Days			or More		Past Due				Loans		Past Due		Loans
		Past Due			Past Due			Past Due								and Still
																Accruing
	March 31, 2014:
	Commercial - Non Real Estate	$	218		$	—		$	105	$	323	$	20,282	$	20,605	$	—	$	291
	Commercial Real Estate
	Owner occupied		104			—			—		104		56,630		56,734		—		629
	Income producing		—			—			325		325		51,338		51,663		—		325
	Multifamily		—			—			—		—		7,630		7,630		—		—
	Construction & Development
	1 - 4 Family		—			—			—		—		1,761		1,761		—		—
	Other		2,433			—			240		2,673		17,899		20,572		—		2,999
	Farmland		—			—			136		136		275		411		—		136
	Residential
	Equity Lines		168			—			75		243		27,298		27,541		—		147
	1 - 4 Family		175			—			173		348		85,633		85,981		—		772
	Junior Liens		—			—			26		26		1,027		1,053		—		52
	Consumer - Non Real Estate		16			3			—		19		2,991		3,010		—		6
	Other		—			—			—		—		908		908		—		—
	Total	$	3,114		$	3		$	1,080	$	4,197	$	273,672	$	277,869	$	—	$	5,357
		30 - 59			60 - 89			90 Days		Total		Current		Total		90 Days		Non-accrual
		Days			Days			or More		Past Due				Loans		Past Due		Loans
		Past Due			Past Due			Past Due								and Still
																Accruing
	December 31, 2013:
	Commercial - Non Real Estate	$	46		$	—		$	154	$	200	$	17,228	$	17,428	$	—	$	463
	Commercial Real Estate
	Owner occupied		—			77			684		761		57,154		57,915		—		1,689
	Income producing		—			—			503		503		51,297		51,800		—		503
	Multifamily		—			—			—		—		7,748		7,748		—		—
	Construction & Development
	1 - 4 Family		—			—			—		—		1,745		1,745		—		—
	Other		158			—			240		398		24,375		24,773		—		599
	Farmland		—			—			252		252		279		531		—		252
	Residential
	Equity Lines		75			9			—		84		28,133		28,217		—		95
	1 - 4 Family		157			242			355		754		82,995		83,749		—		1,128
	Junior Liens		—			—			26		26		1,080		1,106		—		53
	Consumer - Non Real Estate		1			2			—		3		2,551		2,554		—		6
	Other		—			—			—		—		944		944		—		—
	Total	$	437		$	330		$	2,214	$	2,981	$	275,529	$	278,510	$	—	$	4,788
Risk Category of Loans and Leases	'
	As of March 31, 2014 and December 31, 2013, and based on the most recent analysis performed, the loans and leases were categorized as follows (dollars in thousands):
		March 31, 2014
	Internal Risk Rating Grades	Pass			Special			Substandard		Doubtful		Loss
					Mention
	Commercial - Non Real Estate	$	16,715		$	3,004		$	886	$	—	$	—
	Commercial Real Estate
	Owner occupied		47,957			4,325			4,452		—		—
	Income producing		34,048			11,705			5,910		—		—
	Multifamily		5,827			1,803			—		—		—
	Construction & Development
	1 - 4 Family		1,159			245			357		—		—
	Other		14,320			1,936			4,316		—		—
	Farmland		275			—			136		—		—
	Totals	$	120,301		$	23,018		$	16,057	$	—	$	—
	Total:
	Commercial - Non Real Estate	$	16,715		$	3,004		$	886	$	—	$	—
	Commercial Real Estate	$	87,832		$	17,833		$	10,362	$	—	$	—
	Construction & Development	$	15,754		$	2,181		$	4,809	$	—	$	—
	Totals	$	120,301		$	23,018		$	16,057	$	—	$	—
		31-Dec-13
	Internal Risk Rating Grades	Pass			Special			Substandard		Doubtful		Loss
					Mention
	Commercial - Non Real Estate	$	13,289		$	3,157		$	982	$	—	$	—
	Commercial Real Estate
	Owner occupied		47,207			6,009			4,699		—		—
	Income producing		33,875			10,501			7,424		—		—
	Multifamily		5,925			1,823			—		—		—
	Construction & Development
	1 - 4 Family		1,133			252			360		—		—
	Other		17,122			3,265			4,386		—		—
	Farmland		279			—			252		—		—
	Totals	$	118,830		$	25,007		$	18,103	$	—	$	—
	Total:
	Commercial - Non Real Estate	$	13,289		$	3,157		$	982	$	—	$	—
	Commercial Real Estate	$	87,007		$	18,333		$	12,123	$	—	$	—
	Construction & Development	$	18,534		$	3,517		$	4,998	$	—	$	—
	Totals	$	118,830		$	25,007		$	18,103	$	—	$	—
Consumer Related Loans, Segregated by Class of Loans	'
	Consumer-related loans at March 31, 2014 and December 31, 2013, segregated by class of loans, were as follows (dollars in thousands):
		March 31, 2014						December 31, 2013
	Risk Based on Payment Activity	Performing			Non-			Performing		Non-
					Performing					Performing
	Residential
	Equity Lines	$	27,394		$	147		$	28,122	$	95
	1 - 4 Family		85,518			463			83,092		657
	Junior Liens		1,027			26			1,080		26
	Consumer - Non Real Estate
	Credit Cards		—			—			—		—
	Other		3,004			6			2,548		6
	Totals	$	116,943		$	642		$	114,842	$	784
	Total:
	Residential	$	113,939		$	636		$	112,294	$	778
	Consumer - Non Real Estate	$	3,004		$	6		$	2,548	$	6
	Totals	$	116,943		$	642		$	114,842	$	784

ALLOWANCE_FOR_LOAN_LOSSES_Tabl

ALLOWANCE FOR LOAN LOSSES (Tables)	3 Months Ended
	Mar. 31, 2014
Schedule of Changes in Allowance for Loan Losses by Segment	'
	Changes in the allowance for loan losses by segment, since their respective year-end, are as follows (dollars in thousands):
		March 31, 2014												March 31, 2013
		Beginning		Chargeoffs			Recoveries		Provision			Ending		Beginning		Chargeoffs			Recoveries		Provision			Ending
		Balance										Balance		Balance										Balance
	Commercial - Non Real Estate	$	176	$	(48	)	$	80	$	(8	)	$	200	$	1,209	$	(9	)	$	1,290	$	(1,855	)	$	635
	Commercial Real Estate
	Owner occupied		1,224		—			4		(49	)		1,179		1,359		(216	)		12		325			1,480
	Income producing		831		—			—		626			1,457		773		(21	)		20		(1	)		771
	Multifamily		50		—			—		69			119		78		—			—		(9	)		69
	Construction & Development
	1 - 4 Family		52		—			—		(16	)		36		78		(5	)		—		8			81
	Other		580		—			2		526			1,108		728		—			2		(61	)		669
	Farmland		3		—			—		—			3		—		(8	)		—		9			1
	Residential
	Equity Lines		332		(59	)		2		(9	)		266		314		(198	)		10		238			364
	1 - 4 Family		1,218		(8	)		62		(72	)		1,200		1,267		(126	)		3		93			1,237
	Consumer - Non Real Estate		44		(8	)		7		8			51		98		(11	)		11		(6	)		92
	Unallocated		1,505		—			—		(13	)		1,492		986		—			—		113			1,099
	Total	$	6,015	$	(123	)	$	157	$	1,062		$	7,111	$	6,890	$	(594	)	$	1,348	$	(1,146	)	$	6,498
Schedule of Loans Individually Evaluated for Impairment	'
	As of March 31, 2014 and December 31, 2013, loans were evaluated for impairment as follows (dollars in thousands):
		Individually Evaluated for Impairment
		March 31, 2014					December 31, 2013
		Allowance		Total Loans			Allowance		Total Loans
	Commercial - Non Real Estate	$	24	$	2,221		$	25	$	2,304
	Commercial Real Estate
	Owner occupied		92		6,227			77		7,146
	Income producing		750		10,765			126		11,021
	Multifamily		82		1,215			12		1,226
	Construction & Development
	1 - 4 Family		7		357			8		360
	Other		732		4,682			107		4,721
	Farmland		—		135			—		252
	Residential
	Equity Lines		—		147			—		95
	1 - 4 Family		211		11,693			208		12,945
	Consumer - Non Real Estate		3		529			—		76
	Unallocated		—		74			—		—
	Total	$	1,901	$	38,045		$	563	$	40,146
		Collectively Evaluated for Impairment
		31-Mar-14					31-Dec-13
		Allowance		Total Loans			Allowance		Total Loans
	Commercial - Non Real Estate	$	176	$	18,384		$	151	$	15,124
	Commercial Real Estate
	Owner occupied		1,087		50,507			1,147		50,769
	Income producing		707		40,898			705		40,779
	Multifamily		37		6,415			38		6,522
	Construction & Development
	1 - 4 Family		29		1,404			44		1,385
	Other		376		15,890			473		20,052
	Farmland		3		276			3		279
	Residential
	Equity Lines		266		27,394			332		28,122
	1 - 4 Family		989		75,341			1,010		71,910
	Consumer - Non Real Estate		48		2,481			44		2,478
	Unallocated		1,492		834			1,505		944
	Total	$	5,210	$	239,824		$	5,452	$	238,364

COMMITMENTS_AND_CONTINGENCIES_

COMMITMENTS AND CONTINGENCIES (Tables)	3 Months Ended
	Mar. 31, 2014
Summary of Outstanding Financial Instruments Whose Contract Amounts Represent Credit Risk	'
	The following table presents a summary of outstanding financial instruments whose contract amounts represent credit risk as of March 31, 2014 (dollars in thousands):
	Unfunded loan commitments	$	31,682
	Financial standby letters of credit		121
	Total unused commitments	$	31,803

FAIR_VALUE_Tables

FAIR VALUE (Tables)	3 Months Ended
	Mar. 31, 2014
Assets Measured on Recurring Basis	'
	The following table summarizes the Company’s assets measured at fair value at the dates indicated (dollars in thousands):
		At March 31, 2014
		Total		Level 1		Level 2		Level 3
	Assets valued on a recurring basis
	Investment securities:
	U.S. government and agency	$	41,552	$	—	$	41,552	$	—
	State and municipals		10,545		—		10,545		—
	Mortgage-backed		37,461		—		37,461		—
	Assets valued on a non-recurring basis
	Impaired loans		36,144		—		—		36,144
	Other real estate owned		2,092		—		—		2,092
	Total	$	127,794	$	—	$	89,558	$	38,236
		At December 31, 2013
		Total		Level 1		Level 2		Level 3
	Assets valued on a recurring basis
	Investment securities:
	U.S. government and agency	$	40,930	$	—	$	40,930	$	—
	State and municipals		10,181		—		10,181		—
	Mortgage-backed		38,204		—		38,204		—
	Assets valued on a non-recurring basis
	Impaired loans		39,583		—		—		39,583
	Other real estate owned		1,233		—		—		1,233
	Total	$	130,131	$	—	$	89,315	$	40,816

BORROWED_FUNDS_Tables

BORROWED FUNDS (Tables)	3 Months Ended
	Mar. 31, 2014
Outstanding Borrowings and Annual Rate of Interest	'
	A summary of the Company’s outstanding borrowings and the annual rate of interest currently payable on each category is presented in the following table at the dates indicated (dollars in thousands):
		March 31, 2014					December 31, 2013
		Outstanding		Annual			Outstanding		Annual
		Balance		Interest Rate			Balance		Interest Rate
	Securities sold under overnight repurchase agreements	$	722		0.15	%	$	388		0.14	%
	Securities sold under term repurchase agreements		45,000		4.38			45,000		4.38
	Trust preferred securities		5,155		3.2			5,155		3.19
	Subordinated debt		2,700		4			2,700		4
	Total borrowed funds	$	53,577		4.19	%	$	53,243		4.21	%
Securities Sold Under Term Repurchase Agreements	'
	The following table contains certain pertinent information with respect to these agreements at March 31, 2014 (dollars in thousands):
		Outstanding		Annual			Final		Beginning			Collateral
		Principal		Effective			Maturity		Quarterly			Requirement
		Balance		Interest Rate			Date		Call Dates
	Agreement dated 7/8/2008	$	25,000		4.85	%		7/8/18		7/8/13		$	6,761
	Agreement dated 8/20/2008		20,000		3.78			8/20/15		8/20/11			3,447
	Total	$	45,000		4.38	%						$	10,208

Computation_of_Earnings_Loss_P

Computation of Earnings (Loss) Per Share (Detail) (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Earnings Per Share [Line Items]	'	'
Net loss applicable to common stockholders	($1,771)	($106)
Weighted average number of common shares outstanding	3,895,840	3,895,840
Weighted average number of diluted common shares outstanding	3,895,840	3,895,840
Common stock options and common stock warrants - anti-dilutive	497,605	497,605

Amortized_Cost_Estimated_Fair_

Amortized Cost, Estimated Fair Values and Carrying Values of Investment Securities Portfolios (Detail) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Investment [Line Items]	'	'
Investment securities available for sale, Amortized Cost	$93,174	$94,694
Investment securities available for sale, Gross Unrealized Gains	120	121
Investment securities available for sale, Gross Unrealized Losses	3,736	5,500
Investment securities available for sale, Estimated Fair Value	89,558	89,315
Investment securities available for sale, Carrying Value	89,558	89,315
Investment securities held to maturity, Gross Unrealized Gains	'	'
Total Investment Securities, Amortized Cost	94,174	95,694
Total Investment Securities, Gross Unrealized Gains	120	121
Total Investment Securities, Gross Unrealized Losses	3,916	5,680
Total Investment Securities, Estimated Fair Value	90,378	90,135
Total Investment Securities, Carrying Value	90,558	90,315
U.S. Government agency securities	'	'
Investment [Line Items]	'	'
Investment securities available for sale, Amortized Cost	43,749	44,077
Investment securities available for sale, Gross Unrealized Gains	70	87
Investment securities available for sale, Gross Unrealized Losses	2,267	3,234
Investment securities available for sale, Estimated Fair Value	41,552	40,930
Investment securities available for sale, Carrying Value	41,552	40,930
State and municipal bonds	'	'
Investment [Line Items]	'	'
Investment securities available for sale, Amortized Cost	11,143	11,159
Investment securities available for sale, Gross Unrealized Gains	6	'
Investment securities available for sale, Gross Unrealized Losses	604	978
Investment securities available for sale, Estimated Fair Value	10,545	10,181
Investment securities available for sale, Carrying Value	10,545	10,181
Mortgage-backed securities	'	'
Investment [Line Items]	'	'
Investment securities available for sale, Amortized Cost	38,282	39,458
Investment securities available for sale, Gross Unrealized Gains	44	34
Investment securities available for sale, Gross Unrealized Losses	865	1,288
Investment securities available for sale, Estimated Fair Value	37,461	38,204
Investment securities available for sale, Carrying Value	37,461	38,204
Corporate securities	'	'
Investment [Line Items]	'	'
Investment securities held to maturity, Amortized Cost	1,000	1,000
Investment securities held to maturity, Gross Unrealized Gains	'	'
Investment securities held to maturity, Gross Unrealized Losses	180	180
Investment securities held to maturity, Estimated Fair Value	820	820
Investment securities held to maturity, Carrying Value	$1,000	$1,000

Fair_Values_of_Securities_with

Fair Values of Securities with Unrealized Losses (Detail) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Schedule of Available-for-sale Securities [Line Items]	'	'
Less than 12 Months, Estimated Fair Value	$75,476	$78,078
Less than 12 Months, Unrealized Losses	3,179	4,741
12 Months or More, Estimated Fair Value	7,278	7,176
12 Months or More, Unrealized Losses	737	939
Total, Estimated Fair Value	82,754	85,254
Total, Unrealized Losses	3,916	5,680
U.S. Government agency securities	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Less than 12 Months, Estimated Fair Value	36,457	35,679
Less than 12 Months, Unrealized Losses	1,893	2,731
12 Months or More, Estimated Fair Value	3,612	3,482
12 Months or More, Unrealized Losses	374	503
Total, Estimated Fair Value	40,069	39,161
Total, Unrealized Losses	2,267	3,234
State and municipal bonds	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Less than 12 Months, Estimated Fair Value	6,582	7,835
Less than 12 Months, Unrealized Losses	421	723
12 Months or More, Estimated Fair Value	2,846	2,346
12 Months or More, Unrealized Losses	183	255
Total, Estimated Fair Value	9,428	10,181
Total, Unrealized Losses	604	978
Mortgage-backed securities	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Less than 12 Months, Estimated Fair Value	32,437	34,564
Less than 12 Months, Unrealized Losses	865	1,287
12 Months or More, Estimated Fair Value	'	528
12 Months or More, Unrealized Losses	'	1
Total, Estimated Fair Value	32,437	35,092
Total, Unrealized Losses	865	1,288
Corporate securities	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
12 Months or More, Estimated Fair Value	820	820
12 Months or More, Unrealized Losses	180	180
Total, Estimated Fair Value	820	820
Total, Unrealized Losses	$180	$180

Loan_Portfolio_Detail

Loan Portfolio (Detail) (USD $)	Mar. 31, 2014	Dec. 31, 2013		Mar. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'		'	'
Total real estate loans	$253,346	$257,584		'	'
Commercial business and other loans	20,605	17,428		'	'
Total consumer loans	3,918	3,498		'	'
Gross loans receivable	277,869	278,510		'	'
Allowance for loan losses	-7,111	-6,015	[1]	-6,498	-6,890
Loans, net	270,758	272,495	[1]	'	'
1-4 Family Residential	'	'		'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'		'	'
Total real estate loans	87,034	84,855		'	'
Commercial Real Estate	'	'		'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'		'	'
Total real estate loans	116,027	117,463		'	'
Construction & Development	'	'		'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'		'	'
Total real estate loans	22,744	27,049		'	'
Equity Lines	'	'		'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'		'	'
Total real estate loans	27,541	28,217		'	'
Consumer Loans - Installment	'	'		'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'		'	'
Installment	3,010	2,554		'	'
Consumer Loans Other	'	'		'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'		'	'
Other	$908	$944		'	'
[1]	Derived from audited consolidated financial statements.

Impaired_Loans_Segregated_by_C

Impaired Loans, Segregated by Class of Loans (Detail) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Financing Receivable, Impaired [Line Items]	'	'
With No Related Allowance, Recorded Investment	$13,672	$16,101
With No Related Allowance, Unpaid Principal Balance	15,146	17,993
With No Related Allowance, Related Allowance	'	'
With No Related Allowance, Average Recorded Investment	15,629	18,687
With No Related Allowance, Interest Income Recognized	196	980
With Related Allowance, Recorded Investment	24,373	24,045
With Related Allowance, Unpaid Principal Balance	24,487	24,164
With Related Allowance, Related Allowance	1,901	563
With Related Allowance, Average Recorded Investment	24,589	24,591
With Related Allowance, Interest Income Recognized	262	1,073
Recorded Investment, Total	38,045	40,146
Unpaid Principal Balance, Total	39,633	42,157
Related Allowance, Total	1,901	563
Average Recorded Investment, Total	40,218	43,278
Interest Income Recognized, Total	458	2,053
Consumer - Non Real Estate	'	'
Financing Receivable, Impaired [Line Items]	'	'
With No Related Allowance, Recorded Investment	67	68
With No Related Allowance, Unpaid Principal Balance	67	68
With No Related Allowance, Related Allowance	'	'
With No Related Allowance, Average Recorded Investment	68	70
With No Related Allowance, Interest Income Recognized	1	4
With Related Allowance, Recorded Investment	7	8
With Related Allowance, Unpaid Principal Balance	7	8
With Related Allowance, Average Recorded Investment	8	11
Recorded Investment, Total	74	76
Unpaid Principal Balance, Total	74	76
Average Recorded Investment, Total	76	81
Interest Income Recognized, Total	1	4
Commercial - Non Real Estate	'	'
Financing Receivable, Impaired [Line Items]	'	'
With No Related Allowance, Recorded Investment	979	1,099
With No Related Allowance, Unpaid Principal Balance	1,175	1,305
With No Related Allowance, Related Allowance	'	'
With No Related Allowance, Average Recorded Investment	1,205	1,384
With No Related Allowance, Interest Income Recognized	17	79
With Related Allowance, Recorded Investment	1,242	1,205
With Related Allowance, Unpaid Principal Balance	1,242	1,205
With Related Allowance, Related Allowance	24	25
With Related Allowance, Average Recorded Investment	1,260	1,282
With Related Allowance, Interest Income Recognized	11	45
Recorded Investment, Total	2,221	2,304
Unpaid Principal Balance, Total	2,417	2,510
Related Allowance, Total	24	25
Average Recorded Investment, Total	2,465	2,666
Interest Income Recognized, Total	28	124
Commercial Real Estate	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded Investment, Total	18,207	19,393
Unpaid Principal Balance, Total	18,769	20,217
Related Allowance, Total	924	215
Average Recorded Investment, Total	18,912	20,768
Interest Income Recognized, Total	221	1,015
Commercial Real Estate | Owner occupied	'	'
Financing Receivable, Impaired [Line Items]	'	'
With No Related Allowance, Recorded Investment	2,431	3,480
With No Related Allowance, Unpaid Principal Balance	2,738	4,062
With No Related Allowance, Related Allowance	'	'
With No Related Allowance, Average Recorded Investment	2,819	4,365
With No Related Allowance, Interest Income Recognized	37	239
With Related Allowance, Recorded Investment	3,796	3,666
With Related Allowance, Unpaid Principal Balance	3,796	3,666
With Related Allowance, Related Allowance	92	77
With Related Allowance, Average Recorded Investment	3,807	3,727
With Related Allowance, Interest Income Recognized	39	166
Commercial Real Estate | Income Producing	'	'
Financing Receivable, Impaired [Line Items]	'	'
With No Related Allowance, Recorded Investment	3,534	3,734
With No Related Allowance, Unpaid Principal Balance	3,701	3,887
With No Related Allowance, Related Allowance	'	'
With No Related Allowance, Average Recorded Investment	3,713	3,938
With No Related Allowance, Interest Income Recognized	42	183
With Related Allowance, Recorded Investment	7,231	7,287
With Related Allowance, Unpaid Principal Balance	7,286	7,343
With Related Allowance, Related Allowance	750	126
With Related Allowance, Average Recorded Investment	7,318	7,465
With Related Allowance, Interest Income Recognized	92	382
Commercial Real Estate | Multifamily	'	'
Financing Receivable, Impaired [Line Items]	'	'
With No Related Allowance, Related Allowance	'	'
With Related Allowance, Recorded Investment	1,215	1,226
With Related Allowance, Unpaid Principal Balance	1,248	1,259
With Related Allowance, Related Allowance	82	12
With Related Allowance, Average Recorded Investment	1,255	1,273
With Related Allowance, Interest Income Recognized	11	45
Construction & Development	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded Investment, Total	5,174	5,333
Unpaid Principal Balance, Total	5,541	5,701
Related Allowance, Total	739	115
Average Recorded Investment, Total	5,601	5,916
Interest Income Recognized, Total	63	275
Construction & Development | 1-4 Family Residential	'	'
Financing Receivable, Impaired [Line Items]	'	'
With No Related Allowance, Related Allowance	'	'
With Related Allowance, Recorded Investment	357	360
With Related Allowance, Unpaid Principal Balance	363	366
With Related Allowance, Related Allowance	7	8
With Related Allowance, Average Recorded Investment	365	371
With Related Allowance, Interest Income Recognized	5	19
Construction & Development | Construction & Development, Other	'	'
Financing Receivable, Impaired [Line Items]	'	'
With No Related Allowance, Recorded Investment	1,512	1,545
With No Related Allowance, Unpaid Principal Balance	1,852	1,881
With No Related Allowance, Related Allowance	'	'
With No Related Allowance, Average Recorded Investment	1,868	1,981
With No Related Allowance, Interest Income Recognized	26	112
With Related Allowance, Recorded Investment	3,170	3,176
With Related Allowance, Unpaid Principal Balance	3,170	3,181
With Related Allowance, Related Allowance	732	107
With Related Allowance, Average Recorded Investment	3,175	3,224
With Related Allowance, Interest Income Recognized	28	118
Construction & Development | Farmland	'	'
Financing Receivable, Impaired [Line Items]	'	'
With No Related Allowance, Recorded Investment	135	252
With No Related Allowance, Unpaid Principal Balance	156	273
With No Related Allowance, Related Allowance	'	'
With No Related Allowance, Average Recorded Investment	193	340
With No Related Allowance, Interest Income Recognized	4	26
Residential	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded Investment, Total	12,369	13,040
Unpaid Principal Balance, Total	12,832	13,653
Related Allowance, Total	214	208
Average Recorded Investment, Total	13,164	13,847
Interest Income Recognized, Total	145	635
Residential | 1-4 Family Residential	'	'
Financing Receivable, Impaired [Line Items]	'	'
With No Related Allowance, Recorded Investment	4,674	5,632
With No Related Allowance, Unpaid Principal Balance	5,088	6,198
With No Related Allowance, Related Allowance	'	'
With No Related Allowance, Average Recorded Investment	5,393	6,281
With No Related Allowance, Interest Income Recognized	64	322
With Related Allowance, Recorded Investment	7,019	6,778
With Related Allowance, Unpaid Principal Balance	7,037	6,795
With Related Allowance, Related Allowance	211	204
With Related Allowance, Average Recorded Investment	7,062	6,893
With Related Allowance, Interest Income Recognized	71	279
Residential | Equity Lines	'	'
Financing Receivable, Impaired [Line Items]	'	'
With No Related Allowance, Recorded Investment	147	95
With No Related Allowance, Unpaid Principal Balance	153	101
With No Related Allowance, Related Allowance	'	'
With No Related Allowance, Average Recorded Investment	153	105
With No Related Allowance, Interest Income Recognized	2	3
Residential | Junior Liens	'	'
Financing Receivable, Impaired [Line Items]	'	'
With No Related Allowance, Recorded Investment	193	196
With No Related Allowance, Unpaid Principal Balance	216	218
With No Related Allowance, Related Allowance	'	'
With No Related Allowance, Average Recorded Investment	217	223
With No Related Allowance, Interest Income Recognized	3	12
With Related Allowance, Recorded Investment	336	339
With Related Allowance, Unpaid Principal Balance	338	341
With Related Allowance, Related Allowance	3	4
With Related Allowance, Average Recorded Investment	339	345
With Related Allowance, Interest Income Recognized	$5	$19

Loans_Receivable_Additional_In

Loans Receivable - Additional Information (Detail) (USD $)	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Financing Receivable Modifications Recorded Investment	$36,000,000	$37,500,000	'
Impairment reserve for troubled debt restructurings	$1,200,000	'	$746,000

Troubled_Debt_Restructuring_De

Troubled Debt Restructuring (Detail) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
	Contract	Contract
Financing Receivable, Modifications [Line Items]	'	'
Troubled Debt Restructuring, Number of Contracts	2	4
Troubled Debt Restructuring, Pre-Modification Recorded Investment	$83	$563
Troubled Debt Restructuring, Post- Modification Recorded Investment	83	563
Commercial - Non Real Estate	'	'
Financing Receivable, Modifications [Line Items]	'	'
Troubled Debt Restructuring, Number of Contracts	1	1
Troubled Debt Restructuring, Pre-Modification Recorded Investment	61	32
Troubled Debt Restructuring, Post- Modification Recorded Investment	61	32
Commercial Real Estate	'	'
Financing Receivable, Modifications [Line Items]	'	'
Troubled Debt Restructuring, Number of Contracts	1	1
Troubled Debt Restructuring, Pre-Modification Recorded Investment	22	238
Troubled Debt Restructuring, Post- Modification Recorded Investment	22	238
Residential	'	'
Financing Receivable, Modifications [Line Items]	'	'
Troubled Debt Restructuring, Number of Contracts	'	2
Troubled Debt Restructuring, Pre-Modification Recorded Investment	'	293
Troubled Debt Restructuring, Post- Modification Recorded Investment	'	$293

Nonaccrual_Loans_and_Age_Analy

Non-accrual Loans and Age Analysis of Past Due Loans, Segregated by Class of Loans (Detail) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30 to 59 Days Past Due	$3,114	$437
60 - 89 Days Past Due	3	330
Equal to Greater than 90 Days Past Due	1,080	2,214
Past Due	4,197	2,981
Current	273,672	275,529
Gross loans receivable	277,869	278,510
90 Days Past Due and Still Accruing	'	'
Non-accrual Status	5,357	4,788
Consumer - Non Real Estate	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30 to 59 Days Past Due	16	1
60 - 89 Days Past Due	3	2
Past Due	19	3
Current	2,991	2,551
Gross loans receivable	3,010	2,554
90 Days Past Due and Still Accruing	'	'
Non-accrual Status	6	6
Commercial - Non Real Estate	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30 to 59 Days Past Due	218	46
Equal to Greater than 90 Days Past Due	105	154
Past Due	323	200
Current	20,282	17,228
Gross loans receivable	20,605	17,428
90 Days Past Due and Still Accruing	'	'
Non-accrual Status	291	463
Commercial Real Estate | Owner occupied	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30 to 59 Days Past Due	104	'
60 - 89 Days Past Due	'	77
Equal to Greater than 90 Days Past Due	'	684
Past Due	104	761
Current	56,630	57,154
Gross loans receivable	56,734	57,915
90 Days Past Due and Still Accruing	'	'
Non-accrual Status	629	1,689
Commercial Real Estate | Income Producing	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Equal to Greater than 90 Days Past Due	325	503
Past Due	325	503
Current	51,338	51,297
Gross loans receivable	51,663	51,800
90 Days Past Due and Still Accruing	'	'
Non-accrual Status	325	503
Commercial Real Estate | Multifamily	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Current	7,630	7,748
Gross loans receivable	7,630	7,748
90 Days Past Due and Still Accruing	'	'
Construction & Development | 1-4 Family Residential	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Current	1,761	1,745
Gross loans receivable	1,761	1,745
90 Days Past Due and Still Accruing	'	'
Construction & Development | Construction & Development, Other	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30 to 59 Days Past Due	2,433	158
Equal to Greater than 90 Days Past Due	240	240
Past Due	2,673	398
Current	17,899	24,375
Gross loans receivable	20,572	24,773
90 Days Past Due and Still Accruing	'	'
Non-accrual Status	2,999	599
Construction & Development | Farmland	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Equal to Greater than 90 Days Past Due	136	252
Past Due	136	252
Current	275	279
Gross loans receivable	411	531
90 Days Past Due and Still Accruing	'	'
Non-accrual Status	136	252
Residential | 1-4 Family Residential	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30 to 59 Days Past Due	175	157
60 - 89 Days Past Due	'	242
Equal to Greater than 90 Days Past Due	173	355
Past Due	348	754
Current	85,633	82,995
Gross loans receivable	85,981	83,749
90 Days Past Due and Still Accruing	'	'
Non-accrual Status	772	1,128
Residential | Equity Lines	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30 to 59 Days Past Due	168	75
60 - 89 Days Past Due	'	9
Equal to Greater than 90 Days Past Due	75	'
Past Due	243	84
Current	27,298	28,133
Gross loans receivable	27,541	28,217
90 Days Past Due and Still Accruing	'	'
Non-accrual Status	147	95
Residential | Junior Liens	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Equal to Greater than 90 Days Past Due	26	26
Past Due	26	26
Current	1,027	1,080
Gross loans receivable	1,053	1,106
90 Days Past Due and Still Accruing	'	'
Non-accrual Status	52	53
Others	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Current	908	944
Gross loans receivable	908	944
90 Days Past Due and Still Accruing	'	'

Risk_Category_of_Loans_and_Lea

Risk Category of Loans and Leases (Detail) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	$277,869	$278,510
Commercial - Non Real Estate	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	20,605	17,428
Commercial Real Estate | Owner occupied	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	56,734	57,915
Commercial Real Estate | Income Producing	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	51,663	51,800
Commercial Real Estate | Multifamily	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	7,630	7,748
Construction & Development | Construction & Development, Other	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	20,572	24,773
Construction & Development | Farmland	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	411	531
Pass	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	120,301	118,830
Pass | Commercial - Non Real Estate	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	16,715	13,289
Pass | Commercial Real Estate	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	87,832	87,007
Pass | Commercial Real Estate | Owner occupied	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	47,957	47,207
Pass | Commercial Real Estate | Income Producing	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	34,048	33,875
Pass | Commercial Real Estate | Multifamily	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	5,827	5,925
Pass | Construction & Development	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	15,754	18,534
Pass | Construction & Development | 1-4 Family	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	1,159	1,133
Pass | Construction & Development | Construction & Development, Other	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	14,320	17,122
Pass | Construction & Development | Farmland	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	275	279
Special Mention	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	23,018	25,007
Special Mention | Commercial - Non Real Estate	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	3,004	3,157
Special Mention | Commercial Real Estate	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	17,833	18,333
Special Mention | Commercial Real Estate | Owner occupied	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	4,325	6,009
Special Mention | Commercial Real Estate | Income Producing	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	11,705	10,501
Special Mention | Commercial Real Estate | Multifamily	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	1,803	1,823
Special Mention | Construction & Development	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	2,181	3,517
Special Mention | Construction & Development | 1-4 Family	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	245	252
Special Mention | Construction & Development | Construction & Development, Other	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	1,936	3,265
Substandard	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	16,057	18,103
Substandard | Commercial - Non Real Estate	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	886	982
Substandard | Commercial Real Estate	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	10,362	12,123
Substandard | Commercial Real Estate | Owner occupied	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	4,452	4,699
Substandard | Commercial Real Estate | Income Producing	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	5,910	7,424
Substandard | Construction & Development	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	4,809	4,998
Substandard | Construction & Development | 1-4 Family	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	357	360
Substandard | Construction & Development | Construction & Development, Other	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	4,316	4,386
Substandard | Construction & Development | Farmland	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	$136	$252

Consumer_Related_Loans_Segrega

Consumer Related Loans, Segregated by Class of Loans (Detail) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	$277,869	$278,510
Consumer - Non Real Estate	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	3,010	2,554
Residential | 1-4 Family Residential	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	85,981	83,749
Residential | Junior Liens	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	1,053	1,106
Performing Financing Receivable	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	116,943	114,842
Performing Financing Receivable | Consumer - Non Real Estate	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	3,004	2,548
Performing Financing Receivable | Consumer Other Financing Receivable | Consumer - Non Real Estate	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	3,004	2,548
Performing Financing Receivable | Residential	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	113,939	112,294
Performing Financing Receivable | Residential | Equity Lines	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	27,394	28,122
Performing Financing Receivable | Residential | 1-4 Family Residential	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	85,518	83,092
Performing Financing Receivable | Residential | Junior Liens	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	1,027	1,080
Nonperforming Financing Receivable	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	642	784
Nonperforming Financing Receivable | Consumer - Non Real Estate	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	6	6
Nonperforming Financing Receivable | Consumer Other Financing Receivable | Consumer - Non Real Estate	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	6	6
Nonperforming Financing Receivable | Residential	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	636	778
Nonperforming Financing Receivable | Residential | Equity Lines	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	147	95
Nonperforming Financing Receivable | Residential | 1-4 Family Residential	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	463	657
Nonperforming Financing Receivable | Residential | Junior Liens	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Totals	$26	$26

Changes_in_Allowance_for_Loan_

Changes in Allowance for Loan Losses by Segment (Detail) (USD $)	3 Months Ended																				3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014		Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2013	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013
				Consumer - Non Real Estate	Consumer - Non Real Estate	Commercial - Non Real Estate	Commercial - Non Real Estate	Commercial Real Estate	Commercial Real Estate	Commercial Real Estate	Commercial Real Estate	Commercial Real Estate	Commercial Real Estate	Construction & Development	Construction & Development	Construction & Development	Construction & Development	Construction & Development	Construction & Development	Construction & Development	Residential	Residential	Residential	Residential	Unallocated	Unallocated
								Owner occupied	Owner occupied	Income Producing	Income Producing	Multifamily	Multifamily	1-4 Family Residential	1-4 Family Residential	Construction & Development, Other	Construction & Development, Other	Farmland	Farmland	Farmland	1-4 Family Residential	1-4 Family Residential	Equity Lines	Equity Lines
Financing Receivable, Allowance for Credit Losses [Line Items]	'		'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'
Beginning Balance	$6,015	[1]	$6,890	$44	$98	$176	$1,209	$1,224	$1,359	$831	$773	$50	$78	$52	$78	$580	$728	'	$3	$3	$1,218	$1,267	$332	$314	$1,505	$986
Charge offs	-123		-594	-8	-11	-48	-9	'	-216	'	-21	'	'	'	-5	'	'	-8	'	'	-8	-126	-59	-198	'	'
Recoveries	157		1,348	7	11	80	1,290	4	12	'	20	'	'	'	'	2	2	'	'	'	62	3	2	10	'	'
Provision	1,062		-1,146	8	-6	-8	-1,855	-49	325	626	-1	69	-9	-16	8	526	-61	9	'	'	-72	93	-9	238	-13	113
Ending Balance	$7,111		$6,498	$51	$92	$200	$635	$1,179	$1,480	$1,457	$771	$119	$69	$36	$81	$1,108	$669	$1	$3	$3	$1,200	$1,237	$266	$364	$1,492	$1,099
[1]	Derived from audited consolidated financial statements.

Individually_Evaluated_for_Imp

Individually Evaluated for Impairment (Detail) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Individually Evaluated for Impairment, Allowance	$1,901	$563
Individually Evaluated for Impairment, Total Loans	38,045	40,146
Consumer - Non Real Estate	'	'
Individually Evaluated for Impairment, Allowance	3	'
Individually Evaluated for Impairment, Total Loans	529	76
Commercial - Non Real Estate	'	'
Individually Evaluated for Impairment, Allowance	24	25
Individually Evaluated for Impairment, Total Loans	2,221	2,304
Commercial Real Estate | Owner occupied	'	'
Individually Evaluated for Impairment, Allowance	92	77
Individually Evaluated for Impairment, Total Loans	6,227	7,146
Commercial Real Estate | Income Producing	'	'
Individually Evaluated for Impairment, Allowance	750	126
Individually Evaluated for Impairment, Total Loans	10,765	11,021
Commercial Real Estate | Multifamily	'	'
Individually Evaluated for Impairment, Allowance	82	12
Individually Evaluated for Impairment, Total Loans	1,215	1,226
Construction & Development | 1-4 Family Residential	'	'
Individually Evaluated for Impairment, Allowance	7	8
Individually Evaluated for Impairment, Total Loans	357	360
Construction & Development | Construction & Development, Other	'	'
Individually Evaluated for Impairment, Allowance	732	107
Individually Evaluated for Impairment, Total Loans	4,682	4,721
Construction & Development | Farmland	'	'
Individually Evaluated for Impairment, Total Loans	135	252
Residential | 1-4 Family Residential	'	'
Individually Evaluated for Impairment, Allowance	211	208
Individually Evaluated for Impairment, Total Loans	11,693	12,945
Residential | Equity Lines	'	'
Individually Evaluated for Impairment, Total Loans	147	95
Unallocated	'	'
Individually Evaluated for Impairment, Total Loans	$74	'

Collectively_Evaluated_for_Imp

Collectively Evaluated for Impairment (Detail) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'
Collectively Evaluated for Impairment, Allowance	$5,210	$5,452
Collectively Evaluated for Impairment, Total Loans	239,824	238,364
Consumer - Non Real Estate	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'
Collectively Evaluated for Impairment, Allowance	48	44
Collectively Evaluated for Impairment, Total Loans	2,481	2,478
Commercial - Non Real Estate	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'
Collectively Evaluated for Impairment, Allowance	176	151
Collectively Evaluated for Impairment, Total Loans	18,384	15,124
Commercial Real Estate | Owner occupied	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'
Collectively Evaluated for Impairment, Allowance	1,087	1,147
Collectively Evaluated for Impairment, Total Loans	50,507	50,769
Commercial Real Estate | Income Producing	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'
Collectively Evaluated for Impairment, Allowance	707	705
Collectively Evaluated for Impairment, Total Loans	40,898	40,779
Commercial Real Estate | Multifamily	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'
Collectively Evaluated for Impairment, Allowance	37	38
Collectively Evaluated for Impairment, Total Loans	6,415	6,522
Construction & Development | 1-4 Family Residential	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'
Collectively Evaluated for Impairment, Allowance	29	44
Collectively Evaluated for Impairment, Total Loans	1,404	1,385
Construction & Development | Construction & Development, Other	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'
Collectively Evaluated for Impairment, Allowance	376	473
Collectively Evaluated for Impairment, Total Loans	15,890	20,052
Construction & Development | Farmland	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'
Collectively Evaluated for Impairment, Allowance	3	3
Collectively Evaluated for Impairment, Total Loans	276	279
Residential | 1-4 Family Residential	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'
Collectively Evaluated for Impairment, Allowance	989	1,010
Collectively Evaluated for Impairment, Total Loans	75,341	71,910
Residential | Equity Lines	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'
Collectively Evaluated for Impairment, Allowance	266	332
Collectively Evaluated for Impairment, Total Loans	27,394	28,122
Unallocated	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'
Collectively Evaluated for Impairment, Allowance	1,492	1,505
Collectively Evaluated for Impairment, Total Loans	$834	$944

Summary_of_Outstanding_Financi

Summary of Outstanding Financial Instruments Whose Contract Amounts Represent Credit Risk (Detail) (Commitments, USD $)	Mar. 31, 2014
In Thousands, unless otherwise specified
Loss Contingencies [Line Items]	'
Commitments	$31,803
Unfunded loan commitments	'
Loss Contingencies [Line Items]	'
Commitments	31,682
Financial standby letters of credit	'
Loss Contingencies [Line Items]	'
Commitments	$121

Assets_Measured_on_Recurring_a

Assets Measured on Recurring and Non-recurring Basis (Detail) (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]	'	'
Total	$127,794	$130,131
U.S. Government agency securities	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Assets valued on a recurring basis	41,552	40,930
State and municipal bonds	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Assets valued on a recurring basis	10,545	10,181
Mortgage-backed	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Assets valued on a recurring basis	37,461	38,204
Impaired Loans	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Assets valued on a non-recurring basis	36,144	39,583
Other real estate owned	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Assets valued on a non-recurring basis	2,092	1,233
Level 2	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Total	89,558	89,315
Level 2 | U.S. Government agency securities	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Assets valued on a recurring basis	41,552	40,930
Level 2 | State and municipal bonds	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Assets valued on a recurring basis	10,545	10,181
Level 2 | Mortgage-backed	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Assets valued on a recurring basis	37,461	38,204
Level 3	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Total	38,236	40,816
Level 3 | Impaired Loans	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Assets valued on a non-recurring basis	36,144	39,583
Level 3 | Other real estate owned	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Assets valued on a non-recurring basis	$2,092	$1,233

Outstanding_Borrowings_and_Ann

Outstanding Borrowings and Annual Rate of Interest (Detail) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Assets Sold under Agreements to Repurchase [Line Items]	'	'
Outstanding Balance	$53,577	$53,243
Annual Interest Rate	4.19%	4.21%
Securities sold under overnight repurchase agreements	'	'
Assets Sold under Agreements to Repurchase [Line Items]	'	'
Outstanding Balance	722	388
Annual Interest Rate	0.15%	0.14%
Securities sold under term repurchase agreements	'	'
Assets Sold under Agreements to Repurchase [Line Items]	'	'
Outstanding Balance	45,000	45,000
Annual Interest Rate	4.38%	4.38%
Trust preferred securities	'	'
Assets Sold under Agreements to Repurchase [Line Items]	'	'
Outstanding Balance	5,155	5,155
Annual Interest Rate	3.20%	3.19%
Subordinated debt	'	'
Assets Sold under Agreements to Repurchase [Line Items]	'	'
Outstanding Balance	$2,700	$2,700
Annual Interest Rate	4.00%	4.00%

Borrowed_Funds_Additional_Info

Borrowed Funds - Additional Information (Detail) (USD $)	3 Months Ended
	Mar. 31, 2014	Dec. 31, 2013
Debt Instrument [Line Items]	'	'
Securities sold under agreements to repurchase	$45,722,000	$45,388,000	[1]
Borrowings in the form of securities sold	53,577,000	53,243,000
Issued trust preferred securities	90,558,000	90,315,000	[1]
Securities sold under term repurchase agreements	'	'
Debt Instrument [Line Items]	'	'
Securities sold under agreements to repurchase	45,000,000	'
Percentage of marketable investment securities used to secure borrowings	109.50%	'
Borrowings in the form of securities sold	45,000,000	45,000,000
Federal Home Loan Bank Advances	'	'
Debt Instrument [Line Items]	'	'
Immediately available credit	7,300,000	'
Junior Subordinated Debt	'	'
Debt Instrument [Line Items]	'	'
Borrowings in the form of securities sold	5,200,000	'
Trust preferred securities	'	'
Debt Instrument [Line Items]	'	'
Borrowings in the form of securities sold	5,155,000	5,155,000
Preferred securities, liquidation amount	155,000	'
Trust preferred securities redemption price percentage	100.00%	'
Trust preferred security frequency of payment	'Interest is payable quarterly on the trust preferred securities at the annual rate of 90-day LIBOR plus 300 basis points	'
Subordinated debt floating rate spread	3.00%	'
Trust preferred securities | Bank of Carolinas Trust I	'	'
Debt Instrument [Line Items]	'	'
Issued trust preferred securities	5,000,000	'
Subordinated debt	'	'
Debt Instrument [Line Items]	'	'
Borrowings in the form of securities sold	$2,700,000	$2,700,000
Subordinated debt floating rate spread	0.75%	'
Subordinated debt Maturity Date	13-Aug-18	'
[1]	Derived from audited consolidated financial statements.

Securities_Sold_Under_Term_Rep

Securities Sold Under Term Repurchase Agreements (Detail) (USD $)	Mar. 31, 2014	Dec. 31, 2013		Mar. 31, 2014	Mar. 31, 2014	Mar. 31, 2014
In Thousands, unless otherwise specified				Securities sold under term repurchase agreements	Securities sold under term repurchase agreements	Securities sold under term repurchase agreements
					Agreement dated 7/8/2008	Agreement dated 8/20/2008
Assets Sold under Agreements to Repurchase [Line Items]	'	'		'	'	'
Outstanding Principal Balance	$45,722	$45,388	[1]	$45,000	$25,000	$20,000
Annual Effective Interest Rate	'	'		4.38%	4.85%	3.78%
Final Maturity Date	'	'		'	8-Jul-18	20-Aug-15
Beginning Quarterly Call Dates	'	'		'	8-Jul-13	20-Aug-11
Collateral Requirement	'	'		$10,208	$6,761	$3,447
[1]	Derived from audited consolidated financial statements.

Stockholders_Equity_Additional

Stockholders' Equity - Additional Information (Detail) (USD $)	Mar. 31, 2014	Dec. 31, 2013		Dec. 31, 2012	Mar. 31, 2014
In Millions, except Share data, unless otherwise specified					US Treasury Securities
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'		'	'
Preferred stock authorized	3,000,000	3,000,000	[1]	'	'
Preferred shares issued	13,179	13,179	[1]	'	'
Preferred shares outstanding	13,179	13,179	[1]	'	'
Preferred shares, liquidation preference	$1,000	$1,000		'	'
Cumulative amount of dividends in arrears, not declared	$2.10	'		$1.90	'
Common stock authorized	15,000,000	15,000,000	[1]	'	'
Common stock par value	$5	$5	[1]	'	'
Common shares issued	3,895,840	3,895,840	[1]	'	'
Common shares outstanding	3,895,840	3,895,840	[1]	'	'
Company issued the U.S. Treasury a warrant to purchase common shares	'	'		'	475,204
Common stock par value	'	'		'	4.16
Warrant, expiration date	'	'		'	17-Apr-19
[1]	Derived from audited consolidated financial statements.

Income_Taxes_Additional_Inform

Income Taxes - Additional Information (Detail) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Millions, unless otherwise specified
Income Tax [Line Items]	'	'
Valuation allowance established against deferred tax asset	$17.60	$17.70

Going_Concern_Considerations_A

Going Concern Considerations - Additional Information (Detail) (USD $)	1 Months Ended		3 Months Ended
	Nov. 30, 2011	Jun. 30, 2011	Mar. 31, 2014	Dec. 31, 2013		Mar. 31, 2013	Dec. 31, 2012
Going Concern [Line Items]	'	'	'	'		'	'
Cash and cash equivalents	'	'	$15,055,000	$14,842,000	[1]	$15,020,000	$7,786,000
Long term debt maturity in 2014	'	'	0	'		'	'
Reduction of risk-weighted assets	'	'	49,100,000	'		'	'
Reductions in other borrowings	'	'	34,700,000	'		'	'
Retired advances in FHLB	10,000,000	10,000,000	'	'		'	'
Early redemption penalty paid	$7,000	$273,000	'	'		'	'
Remaining average life of advances	'	'	'1 year	'		'	'
Average interest rate of Advances	'	'	1.21%	'		'	'
Average interest rates, institutional certificates of deposit	'	'	0.55%	'		'	'
Minimum	'	'	'	'		'	'
Going Concern [Line Items]	'	'	'	'		'	'
Brokered certificates of deposit, maturities range	'	'	'2 months	'		'	'
Brokered certificates of deposit, Interest rate range	'	'	0.75%	'		'	'
Maximum	'	'	'	'		'	'
Going Concern [Line Items]	'	'	'	'		'	'
Brokered certificates of deposit, maturities range	'	'	'27 months	'		'	'
Brokered certificates of deposit, Interest rate range	'	'	2.40%	'		'	'
[1]	Derived from audited consolidated financial statements.