5.	DEPOSITS

Our total deposits at September 30, 2013 totaled $1.12 billion compared to $1.14 billion at December 31, 2012, a decrease of $13.7 million, or 1.2%. The components of our outstanding balances at September 30, 2013 and December 31, 2012, and percentage change in deposits from the end of 2012 to the end of the third quarter of 2013, are as follows:


	September 30, 2013					December 31, 2012					Percent Increase
	Balance		%			Balance		%			(Decrease)

Noninterest-bearing demand	$	216,055,000		19.3	%	$	190,241,000		16.8	%		13.6	%
Interest-bearing checking		195,964,000		17.5			188,057,000		16.5			4.2
Money market		136,363,000		12.1			144,479,000		12.7			(5.6	)
Savings		52,993,000		4.7			56,454,000		5.0			(6.1	)
Time, under $100,000		45,146,000		4.0			51,730,000		4.6			(12.7	)
Time, $100,000 and over		257,651,000		23.0			234,430,000		20.6			9.9

		904,172,000		80.6			865,391,000		76.2			4.5

Out-of-area interest-bearing checking		0		0.0			21,967,000		1.9			NM
Out-of-area time, under $100,000		4,672,000		0.4			7,706,000		0.7			(39.4	)
Out-of-area time, $100,000 and over		212,665,000		19.0			240,140,000		21.2			(11.4	)

		217,337,000		19.4			269,813,000		23.8			(19.4	)


Total deposits	$	1,121,509,000		100.0	%	$	1,135,204,000		100.0	%		(1.2	)%