Deposit Accounts (Tables)

12 Months Ended

Dec. 31, 2012

Deposit Accounts

Schedule of components of deposit accounts and weighted average interest rates

	2012 Balance		Weighted Average Interest Rate		2011 Balance		Weighted Average Interest Rate
	(dollars in thousands)
Transaction accounts
Noninterest-bearing checking	$	213,636	0.00	%	$	112,313	0.00	%
Interest-bearing checking	14,299		0.10	%	63,620		0.23	%
Money market	236,206		0.32	%	132,509		0.66	%
Regular passbook	79,420		0.22	%	91,747		0.50	%
Total transaction accounts	543,561		0.19	%	400,189		0.37	%
Certificates of deposit accounts
Up to $100,000	157,150		0.97	%	199,823		1.38	%
Over $100,000 to $250,000	148,531		1.02	%	181,483		1.41	%
Over $250,000	55,527		1.04	%	47,382		1.34	%
Total certificates of deposit accounts	361,207		1.00	%	428,688		1.39	%
Total deposits	$	904,768	0.51	%	$	828,877	0.89	%

Schedule of aggregate annual maturities of certificates of deposit accounts

	2012
	Balance		Weighted average interest rate
	(in thousands)
Within 3 months	$	58,610	0.96	%
4 to 6 months	32,107		0.78	%
7 to 12 months	194,542		0.93	%
13 to 24 months	60,117		0.97	%
25 to 36 months	13,311		2.69	%
37 to 60 months	1,677		2.28	%
Over 60 months	843		1.43	%
Total	$	361,207	1.00	%

Schedule of interest expense on deposit accounts

	2012		2011
	(in thousands)
Checking accounts	$	82	$	126
Passbook accounts	266		516
Money market accounts	727		906
Certificates of deposit accounts	4,778		6,740
Total	$	5,853	$	8,288