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Deposits

6 Months Ended

Jun. 30, 2013

Deposits [Abstract]

5.	DEPOSITS

Our total deposits at June 30, 2013 totaled $1.06 billion compared to $1.14 billion at December 31, 2012, a decrease of $73.9 million, or 6.5%. The components of our outstanding balances at June 30, 2013 and December 31, 2012, and percentage change in deposits from the end of 2012 to the end of the second quarter of 2013, are as follows:


																		Percent
		June 30, 2013								December 31, 2012								Increase
		Balance				%				Balance				%				(Decrease)

Noninterest-bearing demand		$	197,304,000				18.6	%		$	190,241,000				16.8	%			3.7	%
Interest-bearing checking			191,313,000				18.0				188,057,000				16.5				1.7
Money market			127,488,000				12.0				144,479,000				12.7				(11.8	)
Savings			53,278,000				5.0				56,454,000				5.0				(5.6	)
Time, under $100,000			46,979,000				4.4				51,730,000				4.6				(9.2	)
Time, $100,000 and over			234,089,000				22.1				234,430,000				20.6				(0.1	)

			850,451,000				80.1				865,391,000				76.2				(1.7	)

Out-of-area interest-bearing checking			9,534,000				0.9				21,967,000				1.9				(56.6	)
Out-of-area time, under $100,000			5,045,000				0.5				7,706,000				0.7				(34.5	)
Out-of-area time, $100,000 and over			196,285,000				18.5				240,140,000				21.2				(18.3	)

			210,864,000				19.9				269,813,000				23.8				(21.8	)


Total deposits		$	1,061,315,000				100.0	%		$	1,135,204,000				100.0	%			(6.5	%)

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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