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Deposits

12 Months Ended

Dec. 31, 2012

Deposits/Securities Sold Under Repurchase Agreements [Abstract]

(8)

Deposits

Deposits at December 31, 2012 and 2011 are summarized as follows:


		In Thousands
		2012				2011
Demand deposits		$	126,953				107,403
Savings accounts			94,441				90,010
Negotiable order of withdrawal accounts			310,080				257,242
Money market demand accounts			339,417				293,186
Certificates of deposit $100,000 or greater			260,641				271,556
Other certificates of deposit			263,095				288,489
Individual retirement accounts $100,000 or greater			44,845				44,189
Other individual retirement accounts			54,450				53,967

		$	1,493,922				1,406,042

Principal maturities of certificates of deposit and individual retirement accounts at December 31, 2012 are as follows:


		(In Thousands)
Maturity		Total
2013		$	360,308
2014			152,637
2015			64,858
2016			14,133
2017			31,095
Thereafter			—

		$	623,031

The aggregate amount of overdrafts reclassified as loans receivable was $256,000 and $388,000 at December 31, 2012 and 2011, respectively.

Wilson Bank is required to maintain cash balances or balances with the Federal Reserve Bank or other correspondent banks based on certain percentages of deposit types. The average required amounts for the year ended December 31, 2011 was approximately $1,500,000. At December 31, 2012, the Bank was not required to maintain a cash balance with the Federal Reserve.

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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