Note 6: Deposits

12 Months Ended

Jun. 30, 2013

Notes

Note 6: Deposits

NOTE 6:  Deposits

Deposits are summarized as follows:

	June 30,
	2013	2012
Non-interest bearing accounts	$45,441,845	$54,812,645
NOW accounts	208,047,966	193,870,344
Money market deposit accounts	22,274,947	18,099,265
Savings accounts	84,372,522	86,717,214
TOTAL NON-MATURITY DEPOSITS	360,137,280	353,499,468
Certificates
0.00-.99%	129,001,095	59,459,416
1.00-1.99%	98,756,575	106,609,956
2.00-2.99%	24,345,200	37,863,634
3.00-3.99%	19,431,132	24,185,741
4.00-4.99%	707,652	2,499,301
5.00-5.99%	-	696,106
TOTAL CERTIFICATES	272,241,653	231,314,155
TOTAL DEPOSITS	$632,378,933	$584,813,623

The aggregate amount of deposits with a minimum denomination of $100,000 was $335,925,226 and $313,814,344 at June 30, 2013 and 2012, respectively. 

Certificate maturities are summarized as follows:

	June 30, 2013
July 1, 2013 to June 30, 2014	$160,998,469
July 1, 2014 to June 30, 2015	55,178,265
July 1, 2015 to June 30, 2016	26,970,008
July 1, 2016 to June 30, 2017	12,223,141
July 1, 2017 to June 30, 2018	16,871,770
Thereafter	-
TOTAL	$272,241,653

Deposits from executive officers, directors, significant shareholders and their affiliates (related parties) held by the Company at June 30, 2013 and 2012 totaled approximately $1.9 million and $1.7 million, respectively.