Deposits

12 Months Ended

Mar. 31, 2012

Deposits:

Deposits

(9) Deposits

Deposits outstanding by type of account are summarized as follows:

		At March 31, 2012				At March 31, 2011
		Amount	Weighted Rate	Interest Rate Range		Amount	Weighted Rate	Interest Rate Range
Checking Accounts	$	124,750,127	0.11%	0.00-0.30%	$	117,077,343	0.09%	0.00-0.60%
Money Market Accounts		224,195,659	0.55%	0.25-0.60%		194,560,099	0.85%	0.30-0.90%
Statement Savings Accounts		22,348,787	0.20%	0.00-0.25%		20,582,505	0.24%	0.00-0.30%
Total		371,294,573	0.38%	0.00-0.60%		332,219,947	0.54%	0.00-0.60%
Certificate Accounts:
0.00 – 1.99%		267,556,217				239,078,153
2.00 – 2.99%		49,260,643				107,386,573
3.00 – 3.99%		2,936,931				3,307,422
4.00 – 4.99%		4,021,999				5,272,507
5.00 – 5.99%		1,130,693				3,092,512
Total		324,906,483	1.36%	0.20-5.50%		358,137,167	1.71%	0.15-5.50%
Total Deposits	$	696,201,056	0.84%	0.00-5.50%	$	690,357,114	1.15%	0.00-5.50%

Included in the certificate accounts above at March 31, 2012 and 2011 were $34.4 million and $39.7 million, respectively, in brokered deposits with a weighted average interest rate of 1.71% and 2.18%, respectively. Of the brokered deposits at March 31, 2012, $12.5 million mature within one year.

The aggregate amount of certificates of deposit with a minimum denomination of $100,000 was $156.0 million and $172.2 million at March 31, 2012 and 2011, respectively.

The amounts and scheduled maturities of all certificates of deposit at March 31 are as follows:

		March 31,
		2012		2011
Within 1 Year	$	215,738,167	$	243,178,999
After 1 Year, Within 2 Years		53,231,294		70,524,910
After 2 Years, Within 3 Years		14,494,174		10,601,023
After 3 Years, Within 4 Years		24,155,416		15,014,756
After 4 Years, Within 5 Years		17,287,432		18,817,479
Thereafter		-		-
	$	324,906,483	$	358,137,167

At March 31, 2012 and 2011, the Bank has $67,000 and $34,000, respectively, in overdrafts that were reclassified to loans.