Deposits

3 Months Ended

Mar. 31, 2013

Deposits [Abstract]

DEPOSITS

5. DEPOSITS

Our total deposits at March 31, 2013 totaled $1.09 billion compared to $1.14 billion at December 31, 2012, a decrease of $42.4 million, or 3.7%. The components of our outstanding balances at March 31, 2013 and December 31, 2012, and percentage change in deposits from the end of 2012 to the end of the first quarter of 2013, are as follows:

	March 31, 2013					December 31, 2012					Percent Increase (Decrease)
	Balance		%			Balance		%
Noninterest-bearing demand	$	189,477,000		17.4	%	$	190,241,000		16.8	%		(0.4	%)
Interest-bearing checking		197,136,000		18.0			188,057,000		16.5			4.8
Money market		139,249,000		12.7			144,479,000		12.7			(3.6	)
Savings		54,593,000		5.0			56,454,000		5.0			(3.3	)
Time, under $100,000		50,159,000		4.6			51,730,000		4.6			(3.0	)
Time, $100,000 and over		229,585,000		21.0			234,430,000		20.6			(2.1	)
		860,199,000		78.7			865,391,000		76.2			(0.6	)
Out-of-area interest-bearing checking		21,446,000		2.0			21,967,000		1.9			(2.4	)
Out-of-area time, under $100,000		5,440,000		0.5			7,706,000		0.7			(29.4	)
Out-of-area time, $100,000 and over		205,705,000		18.8			240,140,000		21.2			(14.3	)
		232,591,000		21.3			269,813,000		23.8			(13.8	)
Total deposits	$	1,092,790,000		100.0	%	$	1,135,204,000		100.0	%		(3.7	)%