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Deposits

3 Months Ended

Mar. 31, 2012

Deposits, Federal Home Loan Bank Advances/ Regulatory Matters [Abstract]

5.	DEPOSITS

Our total deposits at March 31, 2012 totaled $1.09 billion compared to $1.11 billion at December 31, 2011, a decrease of $18.6 million, or 1.7%. The components of our outstanding balances at March 31, 2012 and December 31, 2011, and percentage change in deposits from the end of 2011 to the end of the first quarter of 2012, are as follows:


		March 31, 2012								December 31, 2011								Percent Increase (Decrease)
		Balance				%				Balance				%				Percent Increase (Decrease)

Noninterest-bearing demand		$	151,617,000				13.8	%		$	147,031,000				13.2	%			3.1	%
Interest-bearing checking			176,857,000				16.2				179,770,000				16.2				(1.6	)
Money market			151,532,000				13.8				145,402,000				13.1				4.2
Savings			31,266,000				2.9				32,468,000				2.9				(3.7	)
Time, under $100,000			60,457,000				5.5				63,330,000				5.7				(4.5	)
Time, $100,000 and over			214,948,000				19.7				213,548,000				19.2				0.7

			786,677,000				71.9				781,549,000				70.3				0.7

Out-of-area interest- bearing checking			25,007,000				2.3				26,142,000				2.3				(4.3	)
Out-of-area time, under $100,000			12,090,000				1.1				18,457,000				1.7				(34.5	)
Out-of-area time, $100,000 and over			269,660,000				24.7				285,927,000				25.7				(5.7	)

			306,757,000				28.1				330,526,000				29.7				(7.2	)


Total deposits		$	1,093,434,000				100.0	%		$	1,112,075,000				100.0	%			(1.7	)%

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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