Deposits

9 Months Ended

Sep. 30, 2012

Deposits [Abstract]

DEPOSITS

5. DEPOSITS

Our total deposits at September 30, 2012 totaled $1.11 billion, reflecting a decline of $4.5 million, or 0.4%, since December 31, 2011. The components of our outstanding balances at September 30, 2012 and December 31, 2011, and percentage change in deposits from the end of 2011 to the end of the third quarter of 2012, are as follows:

											Percent
	September 30, 2012					December 31, 2011					Increase
	Balance		%			Balance		%			(Decrease)
Noninterest-bearing demand	$	166,890,000		15.1	%	$	147,031,000		13.2	%		13.5	%
Interest-bearing checking		186,175,000		16.8			179,770,000		16.2			3.6
Money market		146,354,000		13.2			145,402,000		13.1			0.7
Savings		47,893,000		4.3			32,468,000		2.9			47.5
Time, under $100,000		54,494,000		4.9			63,330,000		5.7			(14.0	)
Time, $100,000 and over		225,487,000		20.4			213,548,000		19.2			5.6
		827,293,000		74.7			781,549,000		70.3			5.9
Out-of-area interest-bearing checking		22,803,000		2.1			26,142,000		2.3			(12.8	)
Out-of-area time, under $100,000		8,864,000		0.8			18,457,000		1.7			(52.0	)
Out-of-area time, $100,000 and over		248,606,000		22.4			285,927,000		25.7			(13.1	)
		280,273,000		25.3			330,526,000		29.7			(15.2	)
Total deposits	$	1,107,566,000		100.0	%	$	1,112,075,000		100.0	%		(0.4	)%