Deposits

The Company has developed an interest bearing product that integrates the use of the cash within client accounts at Middleburg Trust Company for overnight funding at Middleburg Bank. The overall balance of this product was $42.1 million and $56.9 million at December 31, 2013 and 2012, respectively.

The aggregate amount of jumbo time deposits, each with a minimum denomination of $100,000, was approximately $146.0 million and $160.7 million at December 31, 2013 and 2012, respectively.

At December 31, 2013, the scheduled maturities of time deposits (in thousands) are as follows:



2014	$	132,174
2015	51,470
2016	46,272
2017	35,944
2018	2,080
	$	267,940

At December 31, 2013 and 2012, overdraft demand deposits reclassified to loans totaled $133,000 and $312,000, respectively.

At December 31, 2013, one depositor, with $31.7 million, held approximately 3.2% of the total deposits at Middleburg Bank.

Middleburg Bank obtains certain deposits through the efforts of third-party brokers. At December 31, 2013 and 2012, brokered deposits totaled $61.0 million and $65.1 million, respectively, and were included in time deposits.