Deposits

6 Months Ended

Jun. 30, 2012

Deposits [Abstract]

DEPOSITS

5. DEPOSITS

Our total deposits at June 30, 2012 totaled $1.11 billion, reflecting a decline of $6.4 million, or 0.6%, since December 31, 2011. The components of our outstanding balances at June 30, 2012 and December 31, 2011, and percentage change in deposits from the end of 2011 to the end of the second quarter of 2012, are as follows:

	June 30, 2012					December 31, 2011					Percent Increase
	Balance		%			Balance		%			(Decrease)
Noninterest-bearing demand	$	164,532,000		14.9	%	$	147,031,000		13.2	%		11.9	%
Interest-bearing checking		174,200,000		15.7			179,770,000		16.2			(3.1	)
Money market		152,646,000		13.8			145,402,000		13.1			5.0
Savings		32,797,000		3.0			32,468,000		2.9			1.0
Time, under $100,000		59,069,000		5.3			63,330,000		5.7			(6.7	)
Time, $100,000 and over		214,105,000		19.4			213,548,000		19.2			0.3
		797,349,000		72.1			781,549,000		70.3			2.0
Out-of-area interest-bearing checking		23,532,000		2.1			26,142,000		2.3			(10.0	)
Out-of-area time, under $100,000		10,864,000		1.0			18,457,000		1.7			(41.1	)
Out-of-area time, $100,000 and over		273,885,000		24.8			285,927,000		25.7			(4.2	)
		308,281,000		27.9			330,526,000		29.7			(6.7	)
Total deposits	$	1,105,630,000		100.0	%	$	1,112,075,000		100.0	%		(0.6	)%