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Deposits

9 Months Ended

Sep. 30, 2011

Deposits [Abstract]

Note 13 – Deposits

A summary of the balances of deposits follows (in thousands):


		September 30, 2011				December 31, 2010
Noninterest-bearing demand		$	469,630			$	424,070
Interest-bearing demand			425,281				395,413
Savings			788,279				585,850
Time certificates, $100,000 and over			226,587				235,992
Other time certificates			210,446				210,848

Total deposits		$	2,120,223			$	1,852,173

Certificate of deposit balances of $5,000,000 and $5,000,000 from the State of California were included in time certificates, $100,000 and over, at September 30, 2011 and December 31, 2010, respectively. The Bank participates in a deposit program offered by the State of California whereby the State may make deposits at the Bank’s request subject to collateral and credit worthiness constraints. The negotiated rates on these State deposits are generally more favorable than other wholesale funding sources available to the Bank. Overdrawn deposit balances of $1,178,000 and $1,513,000 were classified as consumer loans at September 30, 2011 and December 31, 2010, respectively.

The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.

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