Deposits

9 Months Ended

Sep. 30, 2011

Deposits, Federal Home Loan Bank Advances and Regulatory Matters [Abstract]

DEPOSITS

5. DEPOSITS

Our total deposits at September 30, 2011 totaled $1.19 billion compared to $1.27 billion at December 31, 2010, a decrease of $88.5 million, or 6.9%. The components of our outstanding balances at September 30, 2011 and December 31, 2010, and percentage change in deposits from the end of 2010 to the end of the third quarter of 2011, are as follows:

											Percent
	September 30, 2011					December 31, 2010					Increase
	Balance		%			Balance		%			(Decrease)
Noninterest-bearing demand	$	144,022,000		12.1	%	$	112,944,000		8.9	%		27.5	%
Interest-bearing checking		165,707,000		14.0			158,177,000		12.4			4.8
Money market		152,603,000		12.9			150,631,000		11.8			1.3
Savings		37,336,000		3.1			60,201,000		4.7			(38.0	)
Time, under $100,000		65,966,000		5.6			75,857,000		6.0			(13.0	)
Time, $100,000 and over		212,486,000		17.9			206,954,000		16.2			2.7
		778,120,000		65.6			764,764,000		60.0			1.7
Out-of-area interest-bearing checking		26,987,000		2.3			0		NA			NA
Out-of-area time, under $100,000		23,413,000		2.0			37,253,000		2.9			(37.2	)
Out-of-area time, $100,000 and over		356,813,000		30.1			471,815,000		37.1			(24.4	)
		407,213,000		34.4			509,068,000		40.0			(20.0	)
Total deposits	$	1,185,333,000		100.0	%	$	1,273,832,000		100.0	%		(6.9	)%